Figo 4.1
Rated 4.9 out of 5
111 user reviews
Excellent94%
Very good2%
Average3%
Poor0%
Terrible1%

Figo has won some high praise for its pet insurance plans. It was rated 2021’s Best Pet Insurance by CNET, Best 100% Coverage that same year by Money, and Best Insurance and Tech 2017-’21 by Reviews.com. Their Pet Cloud app is super-simple to use and has lots of great features, like the ability to search for things like pet parks, hikes, and pet-friendly restaurants in your area. 

Figo says that most claims are dealt with in 2.6 days or less, and they also have a way around the thorny issue of pre-existing conditions, which usually aren’t covered by pet insurance.  Instead, if the condition is thought to be curable and your pet hasn’t shown any symptoms in the 12 months since their last treatment, your policy could cover it. There’s also 24/7 live vet chat – always a handy feature.

FACT! Figo is one of the only pet insurers to offer a 100% reimbursement option

Founded in

2013

Employees

75

Headquarters

Chicago, IL

Petted Review

We like Figo’s plans’ flexibility, ease of use and its social element, which allows pet parents to connect with each other. Be aware that deductible choices decrease as your pet ages.

4.3
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Read our full review

User Reviews

Figo
Rated 5 out of 5

You were there for us, Figo

My
1
-year-old
Bulldog
in
New York
was insured by

Promptly paid for a root canal that was performed on our dog. Payment was in our account in 2 days after we submitted the bill. Very happy with Figo.

Michael
July 6, 2022
Figo
Rated 5 out of 5

Very thankful we chose Figo

My
6
-year-old
Mixed Breed
in
Florida
was insured by

My 6-year old boxer mix started limping. After a couple vet visits, it was determined that she would need knee surgery and follow-up visits. I filed my claim for the surgery from my phone immediately after settling the bill, and received an email stating the claim had been closed by Figo later that same afternoon. The reimbursement was sent directly to my bank account and made available a few days later. All the claims filed post-surgery have been reviewed and paid promptly. The level of service I received from Figo through this stressful time has been outstanding! Very thankful we chose Figo as the pet insurer for our dog. Thank you, Figo!

Emma
July 6, 2022
Figo
Rated 5 out of 5

Figo has been nothing but great

My
2
-year-old
American Shorthair
in
New York
was insured by

We have the unlimited plan for our two cats, Draco and Luna. Draco (2.5 years old) fell very ill and within a few hours we were in the emergency vet. He had many blood transfusions and stayed over night a couple times. It ended up being Leukemia in his bone marrow. Over the course of a couple days, we spent $5,494.00 and Figo reimbursed us $5,214.00 within a week and a half. It would have been quicker if my receipts had been completely itemized correctly. The emergency vet we went to had issues giving us appropriate receipts, so Figo contacted them for me immediately and settled any issues. After euthanizing him, a rep assisted me in canceling his insurance and even back paying us. Every representative I spoke with was extremely polite and went out of their way to help me. I am so thankful I did good research and picked this company!!

Terri
July 6, 2022
Figo
Rated 5 out of 5

Figo is the best pet insurance!

My
3
-year-old
Poodle
in
Pennsylvania
was insured by

Figo has been nothing but great! From the customer service to claims reimbursement. The turn around for refunds is literally so fast. They practice what they preach. Exactly what they promise from what is covered to their kind caring employees and customer service. Everyone is caring and patient. When you call and have a ton of questions, they take the time to answer all of them. I would and have recommended Figo to many of my friends. I feel confident that my pet is covered and I can focus on my pet’s recovery rather than worrying about how I will be able to pay my bill. So happy with Figo!

Callan
July 6, 2022
Figo
Rated 5 out of 5

Quick claims settlement

My
3
-year-old
Poodle
in
North Carolina
was insured by

Figo is the best pet insurance we’ve found! Everyone I have spoken to at Figo is kind, knowledgeable and their turn around time is so fast!! I would recommend figo to anyone shopping around for insurance! They even did a pre approval for me so that I could determine if I wanted to move forward with my dogs dental procedure or not. So grateful for this company.

Kim
July 6, 2022