HomeGuidesFigo Pet Insurance Review: Best for All-Round Care

Figo Pet Insurance Review: Best for All-Round Care


You have insurance for your home, your car, your health — why not your pet? Pet insurance can take a lot of worries away if your pet falls ill or gets into an accident that entails costly bills from the vet. They not only help you weather unforeseen circumstances but can also ease the burden of preventive care since some policies cover costs like vaccines and check-ups. 

One of the pet insurance companies you’ll likely come across is Figo. To find out if Figo is right for you and your pet, you’ll want to look at this Figo pet insurance review. 

We answer questions like who owns Figo Pet Insurance? How much does it cost? What are its benefits? Does Figo pet insurance increase with age? and more. 

Keep reading to find out.

Logo of Figo Pet Insurance
Name of Insurance ProviderFigo Pet Insurance
Year of Establishment2012
Key FeaturesCheaper Plans, AI App-based, rated B by BBB
Coverage LimitsUp to $5000 per year
Waiting Period14 Day illness wait
Phone Number844-738-3446


Based in Chicago, Figo Pet Insurance was founded in 2012 to provide enrolled cats and dogs from 50 US states the best medical care. Innovation is at the heart of the company and you’ll see this in the app they use to deliver responsive, efficient service. 

The Figo Pet Cloud is among the most comprehensive pet insurance apps. Customers can also easily reach them by text, email, phone, and social media.

figo pet insurance review

Pros Explained

Figo Pet Insurance offers several benefits and advantages to pet parents. Let’s take a look at some of them.

  • TECHNOLOGY-DRIVEN: Their Figo Pet Cloud app is designed to give you 24/7 access to their services, important reminders, and vets you can reach out to in case of emergencies. 
  • HUGE NETWORK: Have a pet emergency? Take your pet to any licensed clinic, vet, or specialist in the United States, Puerto Rico, or Canada and Figo will cover it.
  • RESPONSIVE CUSTOMER SERVICE: Figo has consistently delivered great customer service through its mobile app. Customers also have the option of reaching out to the team via text, email, or phone. 
  • NO AGE LIMITS: Other than certain restrictions for senior pets, there is no age limit for pets you want to enroll for coverage.

Cons Explained

Just like any other insurance company, there are a few drawbacks to Figo Pet Insurance. 

  • DOGS AND CATS ONLY: Figo insurance plans are only available for dogs and cats. If you have a pet rabbit or a rooster, you will unfortunately not find suitable policies for them.
  • EXCLUSION OF EXAM FEES: Exam fees are excluded from the base plan and can only be purchased as additional coverage. 

Available Plans

Figo offers very flexible plans. It has three customizable plans to offer: Essential, Preferred, and Ultimate — each with different annual benefits. 

Policyholders can tweak their deductible levels, coverage levels, and choose the reimbursement amount. 

Plan Pricing 

How much does Figo pet insurance cost? In comparison to similar plans, Figo is a budget-friendly insurance company that offers far more benefits at an affordable price point. 

The pricing for a base plan for a one-year-old dog can range anywhere from $22 to $29. While their cheapest plan is quite basic, you can customize it with a variety of riders such as coverage for exam fees.

Reimbursements range from 70% to 100% of the original cost with an annual limit of $5,000 and even unlimited coverage depending on the policy you buy. 

What Does Figo Pet Insurance Cover?

Besides accidents and illness, wellness benefits and preventive care benefits can be covered by Figo for an additional fee. 

Also Read: Blood Tests for Dogs

TreatmentIncluded in Plan?
Exam FeesNo
Prescriptive MedicationYes
Treatment of Chronic ConditionsYes
Behavioral TreatmentYes
Spay/neuter surgeryNo
Lab TestsYes
Dental CareNo
Holistic CareYes

What’s Not Included?

Examination fees, spay and neuter surgery, wellness and preventive care, dental treatment, and cremation and burial benefits can only be availed after paying an additional fee. 

Figo Pet does not cover experimental treatments, microchipping, pre-existing conditions, cosmetic procedures, breeding care, and parasite treatments. 

Pre-Existing Conditions

Does Figo pet insurance cover pre-existing conditions?  Similar to most pet insurance companies, Figo does not cover the costs of pre-existing conditions under its policy. 

What qualifies as pre-existing conditions? Any condition whose symptoms manifested in your pet before the start of the plan or during the waiting period is considered a pre-existing condition. 

Coverage Limits 

When you purchase the cheapest plans available, you’re entitled to coverage of up to $5,000 per year. Higher, more expensive premium plans offer unlimited coverage. 


Anytime a policyholder receives a vet bill, they have to file a claim. The claim-filing procedure is easy and technology-based.

Figo has developed an exclusive mobile-based AI claims assistance, Evie, that you can reach out to for instructions on filing claims.

Claims can also be submitted by phone, email, or fax. It typically takes two to ten days for a claim to be processed by Figo. 

an image of waiting period for Figo pet insurance

Waiting Period 

The shortest waiting period is a day for injury-related claims. For illnesses, it’s 14 days while orthopedic conditions have a waiting period of 6 months. 


As with most pet insurance policies, Figo Pet Insurance offers several plans where you get exactly what they promise you.

Though their plans are cheaper, you’ll want to add on certain riders to make their plan more relevant for you. This entails additional costs which will drive the price up.

Their basic plan imposes limitations that exclude basic pet-related expenses like vaccinations and certain types of treatment. Their plans do not cover preventive care either.

Go through this Figo Pet Insurance review before you decide if one of their policies is worth your time and money. If you do sign up and decide against it, you can always cancel your policy and receive a full refund as long as you do it within the 30-day money-back period.

Frequently Asked Questions

What’s Not Covered by Figo Pet Insurance?

Does Figo pet insurance cover vaccinations? It does but at an additional cost. Several benefits can only be availed after paying additional fees. Some of these add-ons are: 

  • Wellness plans
  • Preventive treatment 
  • Cremation and burial costs
  • Dental treatments 

Does Figo Pet Insurance Cover Vaccines?

Figo’s basic plan does not cover vaccines. However, you can have it built into your policy for an additional fee. 

Can I Use Figo Pet Insurance at Every Vet’s Office?

Yes, you can use Figo Pet Insurance at every licensed veterinarian office across the USA, Canada, and Puerto Rico. 

Paul Andrewshttps://www.linkedin.com/in/paul-andrews-172490189/
A digital marketing expert by profession, Andrews is a gifted writer and animal lover at heart. A self-confessed "pawrent", Andrews is well-versed in all things dogs. He uses his years of experience of raising puppies into show quality dogs to help guide first time pet parents. He believes in spreading the joy that comes with being a dog dad and advocates more families to adopt pets.


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