Figo Pet Insurance Review for 2026

Offering coverage comparable to other top-rated pet insurance companies for a more affordable price, Figo has established itself as one of the leaders among those providers that take a tech-first approach.

Figo Overview

Born out of a startup hub in Chicago, Figo Pet Insurance has been around since 2012. The insurer provides policies for cats and dogs and works on a reimbursement model that lets policyholders visit any licensed veterinarian worldwide.

What makes Figo really stand out from the competition is its tech-first approach to client service. Not only does this insurance carrier use state-of-the-art software to process customer requests such as quotes, applications, and claims, but also it offers Pet Cloud – the industry’s most comprehensive online platform and mobile app.

With Figo Pet Cloud, you can keep all of your four-legged companion’s data in one place and access it whenever and wherever you want, without wasting any time filling out paper forms.

Figo’s platform also allows you to submit claims, view past vet invoices, track reminders for shots, explore nearby pet-friendly places, and even search for pet-related services such as daycare and dog walkers.

Moreover, the Pet Cloud app comes with the live vet feature, which guarantees round-the-clock access to a licensed veterinary professional. Included with all policies, this feature gives you peace of mind in knowing that the answers to all of your pet-related questions are just a few clicks away.

Figo takes great pride in its deep roots in the world of tech innovation. However, the company also makes itself available to customers through a variety of additional methods such as phone, text, email, and fax.

Although Figo administers all its own policies, the carrier collaborates with Independence American Insurance Company, and Figo is a subsidiary of Independence Pet Group (IPG).

While the fact that Figo uses a third-party underwriter doesn’t make much difference when it comes to the claims procedure or day-to-day client experience, it’s still important to keep this in mind.

Given that each policy gets its financial guarantee from its underwriter, as a prospective customer, you should check the company’s financial stability before applying for pet insurance.

Coverage

Not only has Figo revolutionized the pet insurance industry with its technology-based approach, but it has also established itself as a go-to provider when it comes to flexible policy structures. The company provides annual deductibles and reimbursement rates of up to 100%.

Considering that the complete reimbursement option is very rare in the pet insurance industry, it’s safe to say that Figo offers an excellent deal. As far as annual policy limits go, there are three options to choose from: $5,000, $10,000, or the unlimited option.

The range of conditions covered is pretty standard. The carrier offers an accident-illness policy that covers all the basics such as chronic conditions, hereditary and congenital conditions, hip dysplasia, knee conditions, and surgery.

In addition, Figo also offers coverage for emergency services, hospitalization, veterinary exam fees through an optional add-on, cancer treatments, prescription medications, laboratory and diagnostic testing, dental illness and injury, MRIs, ultrasounds, x-rays, cancer treatment, prosthetics, alternative and holistic therapies, euthanasia and cremation, and veterinary specialist treatments.

Figo also says it may cover curable pre-existing conditions if they show no signs or symptoms within 12 months of treatment.

However, the list of conditions that are not covered by Figo is also quite long. Much like other pet insurance carriers, Figo won’t cover pre-existing conditions unless they qualify under the company’s curable pre-existing-condition policy.

These are defined as illnesses or accidents that occur or manifest prior to the policy’s start date or during the waiting period, no matter whether they’ve been treated or not.

The plan also excludes routine, wellness, and preventive care unless you add the optional Wellness Powerup, spaying and neutering, breeding, cloning procedures, experimental procedures, cosmetic surgery, and coprophagia.

Is Your Pet Eligible?

As far as eligibility requirements go, any dog or cat that’s at least eight weeks old can get insurance. There are no upper-age limits, which makes Figo a strong option for pet owners with older animals who may struggle to qualify elsewhere.

Your pet doesn’t have to be spayed or neutered to get insured by this carrier. Figo will evaluate your application based on your pet’s age and breed, but the amount of coverage and monthly premiums won’t be affected by whether or not your pet is neutered or spayed.

Still, keep in mind that this provider’s standard policy doesn’t cover spaying or neutering, while routine and preventive care is only available through the optional Wellness Powerup.

Policy Plans

Figo’s policies come with more flexibility than they may seem at first glance.

The carrier presents its coverage through three annual benefit options ($5,000, $10,000, and unlimited), built around one accident-and-illness plan. This still may come as a disappointment to pet owners who want several distinct policy types, but it does allow for some meaningful customization.

Policies cover both illnesses and accidents. In addition to its core coverage, Figo offers two optional add-ons: the Wellness Powerup for routine and preventive care and the Veterinary Exam Fees Powerup for visit fees related to covered accidents and illnesses.

What it still doesn’t offer is an accident-only plan, so pet owners looking for a bare-bones, lower-cost option may need to look elsewhere.

In addition to the optional add-ons, another way to modify a plan is by adjusting coverage levels. You can set your annual deductible, decide on a reimbursement rate, and opt for one of the three annual limits. Note that certain types of medical care may come with their own limits.

Policy Details

Here’s an overview of the key features you should be aware of when applying for an insurance policy:

• Underwriter: Independence American Insurance Company
• There are no per-incident caps on claims
• Most claims are processed in less than three business days on average, although first-time claims can take longer when prior medical records are still being collected.
• The quickest way to get reimbursed is through the Figo Pet Cloud app or online claims portal, but you can also submit your claim by mail, fax, or email.
• Direct deposit reimbursement is available.
• Waiting periods start at midnight on your policy effective date; there’s a one-day waiting period for accidents, a 14-day waiting period for illnesses, and a six-month waiting period for orthopedic conditions.
• Figo also offers an orthopedic waiting-period waiver through Pet Cloud in eligible cases.
• 30-day money-back guarantee: As long as you haven’t made a claim, you can change your mind and request a refund (minus administrative fees).
• Figo Pet Cloud: Provides cloud-based storage for all of your pet’s medical records, push notification reminders, 24/7 vet support, and the ability to connect with other pet owners in your area and locate nearby pet-friendly places.

Pricing & Discounts

f you’ve ever shopped for pet medical insurance, you’ll know that the cost of coverage may vary based on your furry companion’s breed, age, and the state you live in.

Moreover, the monthly charges will be affected depending on how much coverage you need, how big or small a deductible you can comfortably afford, and how high or low a reimbursement rate you decide on.

Figo uses quote-based pricing rather than advertising one flat starting premium across all pets. What you’ll pay depends on your pet’s profile and the level of coverage you choose.

The provider lets you customize your policy through deductible selection, reimbursement percentage, annual benefit limit, and optional add-ons, with annual limits of $5,000, $10,000, or unlimited and reimbursement rates of up to 100%.

The deal is simple: The lower you go with reimbursement levels and the higher the deductible you select, the cheaper your premium will be.

Note that Figo is among the very few pet insurance providers that offers a 100% reimbursement rate. Also keep in mind that not all deductible and reimbursement options are available in every state and for every breed and age.

While most of its competitors offer per-condition deductibles that need to be met with every illness or injury your pet goes through before the policy kicks in, Figo uses a much more customer-friendly approach.

As far as discounts go, there is the option to enter a promo code while requesting a quote. However, Figo does not clearly advertise a standard discount for paying annually, so that’s not something prospective customers should count on when comparing costs.

Customer Service

Another thing that places Figo among the most reliable pet insurers is its high level of customer support. No matter how you prefer to get assistance, this provider will do its best to make it happen.

To report a problem, discuss an issue, or explore an additional service, you can get in touch with a support representative via phone, text message, fax, or email.

Another excellent way to get help from Figo is through the carrier’s industry-leading smartphone app. Almost a standalone service in itself, Pet Cloud not only lets customers communicate with licensed vets, file claims, and connect with each other, but also offers lightning-fast customer service.

Should you need support regarding a customer experience matter, you’ll be able to get in touch with Figo via phone number or any other means of communication Monday through Friday from 7 a.m. to 7 p.m. CT and on Saturdays from 7:30 a.m. to 4 p.m. CT.

Final Words

Given that the affordability of pet insurance by Figo is the most commonly mentioned benefit of this carrier’s service, many pet parents can be tempted to jump on board right away.

However, while it’s true that Figo’s plans can easily fit within almost anyone’s budget, it’s also important to be aware of some limitations that could ultimately lead to higher out-of-pocket expenses.

Here’s an example: While Figo’s policy options look quite comprehensive at first glance, this provider sometimes restricts the type of treatment a pet can receive and places some useful coverage behind optional add-ons instead of including everything in the base policy.

Unless you opt for the optional exam fee rider, you’ll need to pay for this service on your own. Depending on how frequently your pet needs to visit the vet, this could add up to hundreds or even thousands of dollars.

Routine and preventive care also cost extra through the Wellness Powerup, rather than being included in the standard accident-and-illness plan.

Taking all of this into account, although Figo is certainly one of the best pet insurance providers when it comes to monthly costs, we suggest you do the math before making a decision to apply for coverage.

On the plus side, Figo’s tech-first approach, the convenience of the Pet Cloud app, the lack of an upper-age limit, and the quick-to-respond and highly capable customer support are well worth the monthly premium.