• AGE LIMIT COVERAGE: No Upper Age Limit

Figo Pet Insurance: Reviews, Coverage, Pros & Cons

  • AGE LIMIT COVERAGE: No Upper Age Limit

Best For

No-Frills Coverage for a Reasonable Cost


  • Up to 100% possible reimbursements
  • No upper age limit for coverage
  • 30-day money-back guarantee
  • Covers both cats and dogs


  • No routine wellness or preventative care offered
  • One-time administration fee in certain states
  • Premiums increase as your pet ages

Figo Pet is an insurance company dedicated to our furry family members that was founded in 2012 and launched the following year.

The company offers three plans of pet insurance policies covering accident, illness and injury for both cats and dogs.

The company has become known as one of the top pet insurance companies in the game and has a reputation for being among the best pet insurance providers. The company has amassed quite a loyal following and has been the recipient of numerous innovation awards including the SMA Innovation in Action Award.

Figo Pet insurance reviews can be found in every corner of the internet, so today we’ll be throwing our opinion into the mix. In this Figo Pet Insurance expert’s review you’ll learn everything there is to know about the company and what it offers.

You’ll Learn About Figo Pet’s:

  • Key Insurance Details
  • Insurance coverage
  • Limitations, Exclusions, Deductible
  • Pricing and plans, Added Benefits
  • Claims, Repayments
  • Customer service
  • Waiting Periods
  • Pros and cons
  • Reputation

Pricing & Plans

Figo Pet is largely regarded as the best pet insurance company because it offers its customers three different plans. The cost of your plan is calculated on a personalized quote-based policy.

Figo Pet Insurance Quote Factors?

  • Your pet’s age, breed, location
  • The plan you opt for
  • Your copay
  • Deductible
  • Whether you are eligible for any discounts
  • Whether you opted for exam fee coverage

Figo Pet Insurance offers three plans: Essential, Preferred and Ultimate. Each plan offers the same coverage for the same conditions. The difference lies in the annual benefits. With the Essential plan your benefits are maximum $5,000 annually while the Preferred plan has a $10,000 annual maximum. The Ultimate plan has no annual maximum.

You can pick between reimbursement levels of 70%, 80%, 90% and 100%. In terms of deductibles, your options are $100, $250, $500 and $1,000. Your plan is completely customizable and tailored to your pet’s specifics.

Key Figo Pet Insurance Details

Figo Pet Insurance has a number of standout features that set it apart from a sea of competitors. There is a reason why Figo Pet is rated best pet insurance. In fact, there are seven:

  • Figo Pet Insurance insures both cats and dogs
  • It offers affordable personalized plans on a quote-based system
  • Its waiting times are on par with or shorter than those of its competitors
  • There is no upper age limit for older pets
  • Offers its customers a 30-day money-back guarantee
  • Provides a seamless online user experience
  • Wide assortment of items covered: prescription medications, chronic condition treatment, imaging, prosthetics

Insurance Coverage

Does Figo cover hip dysplasia? How about cancer? What about prosthetics and orthopedics? And regular trips to the vets? These are all questions that all pet parents ask.

Thankfully, the answers can be easily found in Figo Pet reviews. Residents of the US, Canada and Puerto Rico can rest easy knowing their four-legged friends will be covered for all of the following:

  • Visits to veterinary specialists and any subsequent treatments
  • Emergency services offered by any 24-hour animal hospital
  • Hospitalization
  • Laboratory and diagnostic testing
  • Hereditary and congenital conditions
  • Chronic conditions
  • Cancer treatment
  • Hip dysplasia
  • Knee conditions
  • Prescription medications
  • Imaging
  • Accident-related dental issues
  • Prosthetic and orthotic devices
  • Chiropractic and acupuncture
  • Behavioral issues
  • Euthanasia and cremation
  • Rehabilitation and veterinary exam fees are available at extra costs

Extra Benefits

What makes Figo Pet stand out even more is its incredible Pet Cloud which is available to all customers. The app, available on Google Play and the App Store, provides you with an assortment of incredible extras. Reminders, 24/7 access to a Live Vet, paperless cloud-based medical record filing and “find my pet” functionality all make this one of the best pet insurance companies in existence.

Insurance Exclusions & Limitations

The question “what does Figo Pet Insurance cover?” is important, but it’s equally important to know what it doesn’t cover. There are a few notable exclusions and limitations on Figo Pet Insurance plans for dogs and cats.

First up, your puppy or kitten will need to be a minimum of 8 weeks old to be covered. There is no upper age limit, however, the company does advise that when your cat reaches 10 years of age and when your dog reaches 8 years of age you must seek senior wellness testing from your veterinarian.

Secondly, the company doesn’t cover pre-existing conditions. They define pre-existing conditions as any condition – either illness, accident or injury – that occurred prior to taking out a policy or that happened in the waiting period. On top of this, they will not cover any symptoms relating to the condition.

In addition to the exclusions detailed above, Figo Pet does not cover:

  • Routine, wellness or preventative care
  • Vaccinations
  • Neutering or spaying
  • Coprophagia
  • Breeding, pregnancy or birth
  • Experimental procedures
  • Cloning procedures
  • Cosmetic surgery

Insurance Claims & Repayment

We’d be remiss not to mention the claims and repayment policies that are a staple for all pet insurance reviews. Presumably, to cover themselves, Figo Pet states that it will process claims within 30 days of receipt – however in reality the average claim repayment timeline is between 7 to 10 days.

You can choose to have your claim reimbursed via check reimbursement or direct deposit. Check reimbursements have a typical payout time of 7 to 10 business days upon completion of claim whereas direct deposit payouts will typically reflect in your bank account within 3 to 5 days upon completion of the claim.

There are no claims limits – you can submit claims freely without being penalized for over-usage. Claim submission time limits are determined by your state, however, the company requests that you file all claims within a “reasonable timeframe”.

The claims process couldn’t be any easier. Simply log into your Pet Cloud via a device of your choosing, click “Claims” and answer the subsequent questions, take a photo of your vet’s bill (paid in full) and upload it to your account.

Figo Pet Insurance Waiting Periods

Figo Pet Insurance has different waiting periods relating to different claim payouts. Starting from the effective date of your policy, its illness waiting period is 14 days, accident waiting period is 3 days while knee injuries and hip dysplasia have a 6-month waiting period.


Figo Pet offers an annual deductible as opposed to a per-incident deductible. This deductible resets every year as your policy is renewed. It’s important to note that only covered claims will be applied to your annual deductible.

Customer Service

Figo dog insurance reviews and those written by cat owners frequently point out that the company offers above-par customer service. Friendly customer service agents are available via phone, email, fax, text and even Facebook Messenger.

The support team is available from 8:00am to 7:00pm Mondays through Fridays and on Saturdays from 8:00am till 6:00pm. On Sundays, support is available via text only from 11:00am to 3:00pm. Claims-related support is available on weekdays from 8:30am to 5:30pm. All times are listed in Central Time.

It is also worth noting that the customer service team is unavailable on certain holidays and works short hours on others.

Pros Cons
Possible reimbursements of up to 100% No routine wellness or preventative care offered
Can visit any veterinarian of your choice Premiums increase as your pet ages
No upper age limit for coverage Charges a one-time administration fee in certain states
Fair and reasonable waiting periods Pre-authorization for procedures can take up to 7 days
Offers coverage to both cats and dogs
30-day money-back guarantee (state-dependent)
Excellent customer support available through a variety of channels

What People Think About Figo Pet Insurance?

There are a lot of Figo Pet Insurance customer reviews that span across different platforms including BBB, TrustPilot, Google, Yelp and independent review sites.

As is the case with all products and services, there is a mixture of positive and negative reviews. Figo Pet positive reviews mention the great customer service, user-friendly app and peace of mind provided by the comprehensive coverage.

Figo Pet negative reviews are largely made up of complaints about denials and annual premium increases. Because of the complaints found in Figo Pet insurance reviews BBB has awarded it a B+ rating. It has been BBB accredited since 2016.

Why Figo Pet Insurance?

As far as pet insurance providers go, Figo Pet is up there with the best of the very best – a position it has worked hard to achieve. With its short waiting periods, customizable pricing plans, and long list of covered conditions, we can fully understand why it has won so many awards and amassed such a loyal following.

If you value transparency, seamless online experiences and helpful customer support agents – this is the right insurance provider for your barking buddy or feline friend. Compare Figo Pet Insurance plans, read other Figo Pet reviews and search for other pet insurance reviews to confirm this.