dog at the vet
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Figo Pet Insurance Review: Best for All-Round Care

Overall Rating : 3 / 5

  • 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
  • Website //
  • Phone Number844-738-3446


All You Need to Know

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

Important :Some of the many great features of the company include impeccable PetFirst customer service, cost-effective premium plans, and reliable sources.


  • Pet Cloud app with 24/7 access to Figo’s services and vets
  • Huge service network covering the US, Puerto Rico, and Canada
  • Responsive customer service with the option of reaching out via text, email, or phone
  • No age limit for pets you want to enroll for coverage


  • No coverage of exam fees 

– With conditional coverage for pre-existing conditions, super fast claim processing, and no age restrictions, Figo offers dependable insurance plans for all-round dog care.

– However, keep an eye out for exclusions, including check up costs for regular to emergency visits.

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.

overview of Figo Pet Insurance

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

The extras are usually buried in the fine print but here’s what you need to know. 24PetWatch covers almost all injuries and accidents. The only drawback is the limitation it poses in enrollment. Dogs above the age of 10 and cats above the age of 12 cannot avail of the benefits this pet insurance can provide.

Some of the policies not covered by 24PetWatch include:

  • Elective and cosmetic procedures
  • Dental care
  • Grooming
  • Breeding and treatments related to pregnancies
  • Euthanasia or destruction of a pet arising due to financial reasons
  • Experimentation or investigational medical procedure.

Also Read: Blood Tests for Dog

  • TreatmentIncluded in Plan?
  • Exam FeesNo
  • Surgeries Yes
  • HospitalizationYes
  • VaccinationsNo
  • Prescriptive MedicationYes
  • Treatment of Chronic Conditions Yes
  • Behavioral TreatmentYes
  • Spay/neuter surgeryNo
  • Lab Tests Yes
  • Dental CareNo
  • Holistic CareYes
  • GroomingNo
  • BreedingNo


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.


Meet Paul, a devoted dog dad to the delightful French Bulldog, Cofi. With a flair for humor and a deep understanding of Frenchie quirks, Paul brings a lighthearted touch to his writings. His relatable stories and practical insights are a blend of laughter and valuable advice and resonate with fellow dog owners.

Through his words, Paul aims to celebrate the joys and challenges of being a dedicated pet parent, reminding you that life is simply better with a four-legged, snorting sidekick by your side.