Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Written by Melanie Musson
Published Insurance Expert Melanie Musson

Dr Pippa Elliott BVMS, MRCVS is a veterinarian with over 30 years experience in companion animal practice. In 1987 she graduated from the University of Glasgow, with a degree in veterinary medicine and surgery. A love of the sea meant accepting her first job in the port town of Portsmouth, England. A fter working in private practice for two years, her next position was as a vet at the People’...

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Reviewed by Dr. Pippa Elliott BVMS, MRCVS
Veterinarian Dr. Pippa Elliott BVMS, MRCVS

UPDATED: Jul 5, 2022

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What’s New in 2020 for Figo Pet Insurance

Figo Pet Insurance offers budget-friendly plans for dogs and cats. Let’s take a closer look at what’s new in 2021 for Figo Pet Insurance.

How Has COVID-19 Affected Figo Pet Insurance?

The pandemic has resulted in new concerns for pet parents, especially around the possible transmission of COVID-10 to and by animals. Figo Pet Insurance has been addressing these concerns on its blog, with entries that report on the few cases of dogs that tested positive.

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New Products or Changes

Figo Pet Insurance recently switched to a new underwriter. This new underwriter offers slightly different coverage, and some clients found that their policy had changed.

Figo Pet Insurance recently introduced its Pet Cloud platform. Pet Cloud is a mobile app where users can connect with other pet owners, find dog-friendly parks, look for local dog walkers, and more.

Features like scheduling pet playdates or finding dog-friendly restaurants haven’t been popular during COVID-19, but Figo has been working on improving this platform, for instance, by rolling out an AI feature that makes filing claims easier.

Figo has been offering a virtual vet service for a while. Due to COVID-19, virtual visits have become more popular for owners who need a prescription renewed or have a question about their pet’s wellbeing.

Figo Pet Insurance in the News

There are no major recent news stories about Figo Pet Insurance. However, a recent report about the pet insurance industry cited Figo as a top player on a market that experts believe will grow at a rate of 8.5% a year.

2021 Latest Figo Pet Insurance Reviews

Investopedia recently published a comprehensive review of Figo Pet Insurance and issued an overall rating of 3.9 out of five possible points. The review highlights features like virtual vet visits, customer service, or budget-friendly plans. However, the fact that coverage remains limited is a drawback.

Figo Pet Insurance currently has a rating of 2.9 on Google reviews. Among recent reviews, a majority are positive. Pet owners love the mobile app and the excellent customer service. There are a few mixed reviews that mention how Figo requires a lot of documentation when processing claims. 

There are some negative reviews from pet parents who were disappointed to find that the coverage they purchased wasn’t sufficient or who couldn’t get a clear answer when asking if their plan covers a specific treatment.

The BBB currently has a score of B for Figo Pet Insurance. There weren’t any claims filed in 2021, but there are a total of six negative reviews submitted to the BBB website in 2021, primarily for denied claims.

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COVID-19 hasn’t significantly disrupted the way Figo Pet Insurance works. While the company continues to excel at developing useful tech tools, switching to a new underwriter has resulted in some negative reviews.

Our team researched Figo Pet Insurance’s coverage plans, costs, and customer satisfaction scores.

While Figo is a newer pet insurance company, having just started in 2012, the overall reviews have been positive.

The Better Business Bureau gives it an A + and Consumers Advocate gives it 4 out of 5 stars.

figo pet insurance ratings

Located in Chicago, Figo is among the newer pet insurance companies in the industry offering coverages for both cats and dogs.

As part of the Google Tech Hub Network, Figo might is geared towards tech-savvy pet owners.

One of the best perks of enrolling with Figo is that they offer a 100 % reimbursement rate which is the only pet insurance company that we reviewed that does so (and their willingness to waive the deductible and co-pay for lifesaving care).

Even our top-rated, Healthy Paws, offers only up to 90 % coverage.

Let’s get into the policy details:

Need Pet Insurance?

FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

Figo Pet Insurance Coverage

figo insurance review

Figo has three different levels of coverage, which are all pretty comprehensive.

Figo’s lower level plan typically includes the standards accident and illness coverage as well as:

  • Prescription Medication
  • Non-Routine Exam Fees
  • Alternative Treatments
  • Hip Dysplasia
  • Prosthetics
  • Mobility Devices
  • Treatment for Behavioral Problems

Figo’s two upper-level plans cover additional items from pet advertising rewards for lost pets to trip cancellation coverage.

Figo does not have any exclusions for hereditary or congenital conditions or pre-existing conditions if they have been cured for a year.

Figo even waives the copay and deductible for lifesaving care, which is unique and a nice perk to have.

Figo will pay your veterinarian exam fees, but only if the exam is related to one of their covered accident or illnesses in their policies.

That can translate into substantial savings if you have to see your vet many times for the same ailment or condition, like an eye or ear infection.

Figo will also cover hip dysplasia only if it is not a pre-existing condition. Ligament and knee conditions, i.e., anterior cruciate ligament (ACL) conditions, will be covered after waiting six months.

With Figo, you can visit any vet or veterinary hospital or even specialist of your choosing.

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Hereditary and Congenital Conditions

review of figo pet insurance policies

Figo, like the top pet insurance companies, covers genetic and congenital conditions (some companies don’t), as long as they are not considered a pre-existing condition.

Genetic conditions are passed down from a pet’s parents to their offspring and typically affect certain breeds more than others.

A congenital condition is one that occurs at birth or even before your dog or cat is born, often leading to other diseases and health-related complications.

Congenital and genetic conditions in dogs and cats deteriorate as the pet ages.

With veterinary costs increasing each year exponentially, it can be expensive to treat these types of problems.

Figo covers them to make sure your dog or cat is covered for these and other types of conditions.

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Additional Covered Treatments And Conditions

Figo also covers:

  • Emergency Care
  • Hospital Visits
  • Prescriptions
  • Surgery
  • Blood Work
  • MRI
  • Ultrasounds
  • Rehabilitation

Figo allows your pet to visit specialists such as: 

  • Cardiologist
  • Radiologist
  • Oncologist
  • Orthopedist

Real Cost Savings from PetFirst Clients


PetFirst saved his parents


A happy energetic Luna one morning couldn’t hold her food down. After months of multiple costly vet visits to specialists and an endoscopy, the problem was discovered and fixed. Luna put 22 pounds back on in no time and her parents were grateful for having PetFirst by their side to pay the bills.


Chronic Conditions

Your pet will be covered for chronic conditions that occur during the policy year.

Chronic conditions are diseases like:


Ligament and Knee Conditions Like Anterior Cruciate Ligament (ACL)

Waiting periods are usually around six months and will be cleared if your vet says that your dog’s knees are healthy.

Hip Dysplasia

Figo fully covers it as long as it is a new condition.

Orthotic Devices and Carts

Figo provides coverage for orthotics, prosthetics, and carts, under all plans which are unique to Figo.

Physical Therapy

Figo also covers physical therapy when it is related to a covered illness.

Holistic, Alternative and Behavioral Therapies


  • Homeopathic
  • Acupuncture
  • Chiropractic

The maximum benefit they pay depends on the plan you choose but will typically range from $250 to $1,000 each year.

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Benefit Limits

Although Figo doesn’t extend unlimited coverage for all its plans, it does for the most expensive, upper-level plans. Other pet insurance companies provide unlimited benefits for all of its plans.

Figo gives you three options to choose from:

  • $10,000
  • $14,000
  • Unlimited

Figo, like some of the top pet insurance providers, does not operate on a benefit schedule.

Three plans are the following:

  1. The Essential Plan – Provides up to $10,000 annual claims for accidents and illnesses.
  2. The Preferred Plan – Provides up to $14,000 and includes coverages such as theft reimbursement, emergency boarding fees, and even a lost pet reward.
  3. The Ultimate plan – Offers an unlimited benefit amount and also includes the following: emergency boarding, lost pet advertising, straying reimbursement, and unexpected death reimbursement.

Of course, the higher benefit level you choose has a more expensive premium. We always prefer unlimited benefits, but with Figo, you will pay more for this option.

Real Cost Savings from PetFirst Clients


PetFirst saved his parents


Artemis was a beautiful and friendly cat to all who were willing to pet him. Unfortunately, he developed feline diabetes which required regular vet visits and medications that his Mother could not otherwise afford on her fixed income. Having PetFirst insurance, she called and discussed the problem with a friendly PetFirst agent. To her surprise, she found out that Artemis’ ongoing required vet visits and medication would be covered by his PetFirst insurance. Artemis was able to live out the rest of his life with proper medical care and medicines thanks to PetFirst insurance.

Reimbursement Method

With Figo, you can choose between 3 levels of reimbursement: 70%, 80%, 90% and 100%, which makes them unique. Figo pays on your actual vet bill, which is always the best choice.

Here is an example of a typical reimbursement payment with Figo.

This example is if your bill is $2000, you choose a 90% reimbursement rate and a $100 deductible. Figo pays off the actual vet bill.

Total Bill $2,000

Co-Pay (10%) –$200

Deductible ($100) –$100

Reimbursement $1,700

You Pay $300.00

Figo Pays $1,700

Once you meet your deductible, then you’ll only pay $200.

The higher the monthly premium, the better the coverage per each claim

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Deductible Type

Figo only has an annual deductible and not per-condition which is always the preferred choice.

Annual deductible means that you have to meet your deductible once per year. Other plans have per-condition deductibles, so you have to meet your deductible each time your pet has an accident or gets sick.

Figo has four choices of deductibles: $50, $100, $200 and $500.

This deductible will be waived if your dog or cat gets in a serious accident and needs life-saving care.

What Is The Cost Of Figo?

Dogs start at $30 per month, and cats start at $25 a month.

Figo offers extensive coverage, but it tends to be more expensive than the others we have reviewed. Of course, your dog or cat’s age, breed, and where you live will factor into the price.

There are no charges if you set up a direct deposit. They do charge an extra $2.00 for credit or debit cards. It’s easy to set up a direct deposit, so save money by doing so through their app.

As with the other providers, there are some discounts for the following: medical service pets, multi-pet discounts, veterans, student and even corporate benefit plans.

Figo Pet Insurance vs Healthy Paws and Others

Figo vs Health Paws costs for pet insurance vary mostly in costs per breed. Healthy Paws is difficult to beat in price for mixed breeds up to two years old, at which point Figo becomes competitive. 

See how Figo compares to Healthy Paws and other competitors in these other articles. 

Figo vs Nationwide Pet Insurance

Healthy Paws vs Figo Pet Insurance

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Claims Process

Claims can be processed in as little as three days!

Figo’s claims process is paperless and super-easy to use. It usually takes about ten days to be approved. The way it works is you can take a picture of your bill on your phone and then upload it or email it to them.

You can reach Figo by chat, phone, Twitter, text, email or even Facebook Messenger.

You can access the Figo Pet Cloud to check the status of your claim and find out exactly where you are in the claims process.

Figo’s unique Pet Cloud is easy to use and allows their customers to file claims, upload their pets’ medical records, and get in touch with customer service. Every customer has access to an online portal and mobile app where they can upload medical records, file claims, search for a lost pet, and contact customer service.

Enrollment and Waiting Period

Figo does not require you to have your pet examined by a vet to enroll.

Figo covers all dogs and cats starting at six weeks old, and there is no upper age limit. Waiting periods for accidents and injuries is typically five days and fourteen days for accidents.

Patella issues and cruciate ligament have a six-month waiting period. Figo offers an online discount for shelter/rescue, military, service dog, and multi-pet.

If you purchased your pet’s policy using a Vet, Shelter, or Humane Society partner code, Figo would waive the 5-day waiting period for injury and 14-day waiting period for illness. Your pet needs to have a wellness exam within two days to qualify.

Similar to other pet insurance providers, there is also a 30-day “free look” period that allows you to change your mind after enrolling and still receive a full refund.

Questions about Figo Pet Insurance

What isn’t covered under Figo Pet Insurance?

Similar to most pet insurance companies, Figo does not cover any type of pre-existing condition or routine vet visits, preventative care, spaying and neutering, parasite control including internal and external parasites for which prophylactic treatments are available, and preventative or routine dental health care (dental work due to an accident or illness is covered).

How does Figo calculate my premium?

Similar to most pet insurance companies, your premium depends on a number of factors, including your pet’s age, breed, and where you live. Some other factors that affect your monthly premium are the type of plan you choose, the deductible amount, the copay, and the discounts for which you might be eligible.

Does Figo offer a wellness plan?

No…Figo does not offer an optional wellness plan. They claim that they don’t offer a wellness plan is that they want their policyholders to be reimbursed for the significant expenses. Wellness issues or routine veterinary procedures are not very expensive and easily payable out-of-pocket.

Are there any age requirements with Figo?

Figo will enroll any cat or dog that is at least eight weeks old. There are no upper age limits, yet if you’re renewing a policy for a dog over eight years of age, or a cat that is ten years or older, you’ll be asked to follow your veterinarian’s advice with regard to senior wellness testing.

If you don’t know your pet’s exact date of birth, which can happen when adopting, you’ll be asked for an approximation or estimate.

Are there any discounts when signing up with Figo?

There are discounts for medical service pets, multiple pets, veterans, students, and corporate plans.

How does Figo compare with the other pet insurance companies?

If you want to see a quick comparison of all the other companies we reviewed, take a look at our comparison chart.

How can you cancel your plan with Figo?

Your policy will renew each year automatically. To cancel, call the company at 844.738.3446 or let them know in writing 30 days before the policy’s effective day.

Customer service specialists are available Mon-Fri, from 8:00 am to 7:00 pm CST and on Saturdays from 10:00 am to 3:00 pm CST.

Make sure to go to Figo and see if they are the right pet insurance company for you and your pets!

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Other articles you may find helpful: 

Is Exotic Pet Insurance Necessary? 

The Best Pet Insurance By State 

What Is Pet Insurance?

Fun Facts, Dog FAQ, And Unsolicited Dog Advice

5 Training Commands to Save Your Dog’s Life

The Ultimate Guide to Safe Foods for Dogs

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Cat Health Problems

Cat Breeds

You may find helpful one of our other Best Pet Insurance Reviews which include over 35 top insurers compared with cheap and affordable pet insurance and discounted mixed breed pet insurance