Figo Pet Insurance Review: Costs, Coverage, and How It Works
With many ways to customize a policy and a robust mobile app, Figo can be a good choice for pet parents seeking flexibility and speed.
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Edited byNick Versaw
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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Reviewed byJohn Leach
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John LeachLicensed Insurance Agent
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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In This Article
Figo offers highly customizable accident and illness plans with extensive coverage options, including for rehabilitation and physical therapy services, alternative treatments, prescription medications, and more.
You can also choose the reimbursement levels, annual coverage caps, and deductibles that work best for your budget. Available add-ons include wellness coverage and reimbursement for vet exam fees.
Figo can be a good fit for tech-savvy pet owners. You can file claims and manage your policy through the insurer’s mobile app, and 24/7 virtual vet visits are available with every policy.
But Figo isn’t the cheapest pet insurance company available. In fact, its average monthly premiums are $57 for dogs, and $25 for cats, according to our data. That’s about 159% more than its cheapest competitor’s average for dogs.
Let’s take a look at Figo pet insurance, how it works, how much a policy might cost you, and what you need to know to decide if Figo is right for your pet.
Our Take on Figo Pet Insurance
Figo stands out for the many ways it allows pet parents to customize their policies. It offers three annual coverage limit options, six deductible options, and four reimbursement levels so you can tailor the cost of the plan and how much it pays.
You can further customize with add-ons — which Figo calls “Powerups” — to pay for vet exam fees and routine wellness care.
Though Figo says it resolves claims quickly, the insurer has several negative customer reviews on Trustpilot. Many unhappy policyholders say they’ve had bad experiences with Figo denying all or many of their claims.
What’s more, Figo’s varying waiting periods for different conditions could be confusing.
Figo
Pros
No upper age limit for new policies
Multiple reimbursement and deductible options
24/7 virtual vet visits included
Cons
No coverage for pre-existing conditions
Many negative customer reviews about claims
No coverage for prescription food
If you’re looking for a customized pet insurance policy, Figo is worth considering. The insurer has no upper age limit for enrollment and offers reimbursement rates of 70%, 80%, and 90%. You can choose unlimited coverage, and deductibles range from $100 to $750. Add-ons include coverage for vet exam fees and wellness plans.
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Figo Pet Insurance Costs by Dog Breed
Figo doesn’t restrict coverage based on breed or age, which means you can insure your dog no matter how old it is (as long as it’s at least 8 weeks old when you sign up). That’s good news if you have an older pup or a breed that’s prone to health issues.
Here’s a look at the average monthly premiums for Figo pet insurance across several popular dog breeds, based on our data. Just remember that your exact rate can vary depending on your dog’s age, where you live, and the coverage level you choose.
Breed  | Average Monthly Premium |
|---|---|
| Beagle | $92 |
| Bernese mountain dog | $141 |
| Bichon frise | $92 |
| Border collie | $82 |
| Cane corso | $75 |
| Cavalier king | $62 |
| Chihuahua | $35 |
| Dachshund | $43 |
| Doberman pinscher | $97 |
| English bulldog | $127 |
| French bulldog | $83 |
| German shepherd | $62 |
| German shorthaired pointer | $98 |
| Golden retriever | $52 |
| Goldendoodle | $42 |
| Great dane | $101 |
| Husky | $68 |
| Labrador | $68 |
| Mastiff | $98 |
| Mixed | $74 |
| Pit bull | $102 |
| Pomeranian | $60 |
| Poodle | $72 |
| Poodle toy | $63 |
| Rottweiler | $108 |
| Shiba inu | $50 |
| Shih tzu | $46 |
| Yorkshire terrier | $38 |
| Overall average | $57 |
Figo Pet Insurance Costs by Cat Breed
You can enroll your feline friend in a Figo pet insurance policy at any time after they turn 8 weeks old. That flexibility is especially helpful for pet owners with senior cats or breeds known for hereditary conditions.
Take a look at the average monthly premium for Figo pet insurance across several popular cat breeds, based on our data.
Breed | Average Monthly Premium |
|---|---|
| American shorthair | $41 |
| British shorthair | $44 |
| Maine coon | $21 |
| Mixed | $16 |
| Persian | $44 |
| Pure | $32 |
| Ragdoll | $43 |
| Siamese | $40 |
| Overall average | $25 |
Pet Insurance Policies Figo Offers
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Figo offers a single accident and illness plan that covers care for both dogs and cats. The plan is highly customizable, with:
$5,000, $10,000, or unlimited annual coverage limits
Deductible options of $100, $250, $500, $750, $1,000, or $1,500
Reimbursement rate options of 70%, 80%, 90%, or 100%
“Powerups” to pay for vet exam fees and routine care
All policies include coverage for:
Accidents and injuries
Illnesses
Emergency care
Hospital stays
Surgeries
Prescription medications
Hereditary and congenital conditions
Orthopedic conditions
Cancer treatment
Specialist care
Diagnostic tests and imaging
Emergency dental
Rehabilitation and mobility devices
Holistic and alternative treatments
You can also customize your plan with optional add-ons, called “Powerups,” for extra protection. These include:
Wellness coverage: Helps pay for routine care, like annual exams, vaccines, and flea prevention.
Vet exam fee coverage: Covers the cost of exam or consultation fees when your pet is sick or injured.
Figo pet insurance discounts
Figo offers two discounts. If you enroll two or more pets in a Figo policy, you can get a 5% discount. And members of the military can also get a 5% discount in every state except Florida, New York, Tennessee, and Washington.
What Figo Pet Insurance Covers
Figo, like most pet insurance companies, doesn’t cover pre-existing conditions. But it offers one standout feature: coverage for some curable pre-existing conditions. If your pet hasn’t shown symptoms or needed treatment for a condition in the last 12 months, Figo may cover it in the future if the issue reoccurs.
And Figo’s standard plan doesn’t cover preventive care like routine checkups, vaccines, and dental cleanings. You’ll need to add a wellness “Powerup” if you want help covering those ongoing costs.
Here’s a look at how Figo handles common accidents and illnesses:
Condition/Treatment | Covered? | Waiting Period |
|---|---|---|
| Accidents and injuries | Yes | 1 day |
| Illnesses | Yes | 14 days |
| Orthopedic conditions (for dogs) | Yes | 6 months |
| Prescription food | No | N/A |
| Cancer | Yes | 14 days |
| Hereditary conditions | Yes | 14 days |
| Spaying or neutering | No | N/A |
| Chronic conditions | Yes | 14 days |
| Behavioral issues | Yes | 14 days |
| Exam fees | Optional add-on | Varies |
| Cosmetic surgeries | No | N/A |
| Preventative care | Optional add-on | None |
| Pre-existing conditions (curable) | Yes, with conditions | 12 months symptom-free |
| Pre-existing conditions (incurable) | No | N/A |
| Prescription medications | Yes | 14 days |
| Most parasites | No | N/A |
Keep in mind that waiting periods and coverage details can vary by state and policy. For the most accurate and up-to-date information, it’s a good idea to check directly with Figo before you enroll.
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How Does Figo Pet Insurance Work?
Figo works on a reimbursement model, which means you’ll pay your vet bills up front and then file a claim to get paid back based on your plan details. Here’s how the process usually goes:
You pay for your pet’s care at the time of treatment.
You submit a claim to Figo through its Pet Cloud app or online portal.
Figo reviews and processes your claim, usually within a few days.
If it’s approved, Figo reimburses you based on your reimbursement rate and coverage level.
Example: A Figo claim in action
Let’s say your dog needs emergency surgery that costs $3,000. If your Figo plan includes a $500 deductible, 90% reimbursement rate, and a $10,000 annual coverage limit, here’s how it’d work
You pay $3,000 to your vet.
You file a claim with Figo, uploading your invoice and pet’s medical records.
Figo subtracts your $500 deductible, leaving $2,500 in eligible costs.
Then, it reimburses 90% of that amount, or $2,250.
You get $2,250 back via direct deposit or check.
With this claim, you’ll meet your annual deductible, so you won’t have to pay it for any other claim this plan year. And, since your plan has a $10,000 annual limit, you’ll still have $7,750 in available coverage for the rest of the year.
Figo’s Pet Cloud app makes it easy to manage your policy, file claims, and track reimbursements. The insurer says it pays most claims within a few business days.
Figo vs. Pumpkin, Healthy Paws, and Spot
Most pet insurers offer certain common coverages, like accident and illness protection. But rates, add-ons, claims processing, and many other factors can vary greatly among insurance companies. It’s a good idea to research multiple companies and get multiple quotes before deciding which pet insurance policy to buy.
Here’s how Figo compares to some top competitors.
Pumpkin
Average dog premium: $67
Average cat premium: $29
Pros
Covers behavioral issues and dental illnesses
Includes an optional wellness package
No upper age limit for coverage
Cons
Higher premiums than some competitors
Preventive care available only as add-on
14-day waiting period for illnesses
Pumpkin’s average rates are comparable to Figo’s, according to our research. The insurer offers accident and illness coverage with the option to add wellness benefits for routine care. It covers some things other companies exclude, like behavioral issues, tooth extractions, and prescription food for covered conditions.
Pumpkin has a 4.5-star rating (out of 5) on Trustpilot.
Healthy Paws
Average dog premium: $44 per month
Average cat premium: $21 per month
Pros
Unlimited annual and lifetime payouts
Quick claims processing
Covers hereditary and congenital conditions
Cons
Doesn’t issue new policies to pets older than 13
Doesn’t offer optional wellness plan
No coverage for exam fees
Healthy Paws’ rates are about 34% lower than Figo’s, according to Compare.com data. Like Figo, Healthy Paws offers one comprehensive plan that covers accidents and illnesses with no annual or lifetime limits on payouts. The insurer says it processes most claims within two days.
But if you’re looking for preventive care, you’ll need to find that elsewhere. Healthy Paws also doesn’t have any optional add-ons like a wellness plan.
Spot
Average dog premium: $27 per month
Average cat premium: $13 per month
Pros
Offers various deductible and reimbursement options
Allows enrollment of senior pets without age restrictions
Provides optional wellness plans for routine care
Cons
Requires a 14-day waiting period for both accidents and illnesses
Doesn’t offer direct payments to veterinarians
No 100% reimbursement option
Spot has some of the lowest monthly premiums for dogs and cats, according to our data. It also offers accident and illness coverage, a lower-cost accident-only plan, and optional wellness add-ons for dogs and cats. Like most pet insurers, Spot doesn’t cover pre-existing conditions. But if your pet recovers and remains symptom- and treatment-free for 180 days, the condition may be eligible for future coverage.
Spot doesn’t have an age limit, so you can enroll your pet at any stage of life.
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Figo Pet Insurance FAQs
Pet insurance is a growing market, with more insurers than ever offering coverage in the U.S. With so many options, it’s important to learn as much as possible about an insurance company before you enroll your pet in a plan. Here’s some additional information about Figo that may be helpful.
Does Figo pet insurance have age restrictions?
No, Figo doesn’t set an upper age limit for new enrollments. As long as your dog or cat is at least 8 weeks old, they’re eligible for coverage. That makes Figo a solid option if you’re looking to insure a senior pet.
Does Figo pet insurance have waiting periods?
Yes. Like most pet insurers, Figo has waiting periods. You’ll have to wait one day for accidents and 14 days for illnesses after your policy starts. Dogs have a 30-day waiting period for treatment of orthopedic issues. Figo’s varying waiting periods could get confusing, so be sure to understand your policy’s terms and conditions before filing a claim.
Do you have to visit a vet before you enroll in a Figo policy?
No, Figo doesn’t require a vet visit before you enroll. But it’s a good idea to keep up with annual checkups. When you file your first claim, you’ll also need to submit your pet’s medical records from the past two years.
How long does Figo take to reimburse a claim?
Figo says it processes most claims in about 2.6 business days, on average. If it’s your first claim and you haven’t submitted medical records yet, it could take seven to 14 business days.
Disclaimer
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
