Is Figo worth it?
Worth it for two specific priorities. Figo sells the only 100 percent reimbursement tier among the insurers we review, though it requires pairing a $500 or $750 deductible and cannot be combined with the unlimited-limit plan, and its accident coverage begins after just 24 hours. Expect an illustrative starting estimate of about $40 per month for a dog and $23 for a cat, service handled entirely through the Pet Cloud app, and a $10,000 annual cap if you choose the Popular plan instead of the unlimited Higher Coverage tier.
The 100 percent tier, explained honestly
Reimbursement runs 70, 80, 90 or 100 percent, and the top tier is genuinely unique in our catalog. The constraints matter: 100 percent is only available with a $500 or $750 deductible and is not offered on the unlimited Higher Coverage plan, so owners who want both maximum rate and maximum ceiling must pick one. Standard deductibles run $100 to $750, with $1,000 and $1,500 options reserved for pets enrolled at age 8 or 10 and older.
Where Figo ranks
Our editorial scores land at 7.9 out of 10 for dogs and 8.0 for cats: a niche plan rather than a default pick. Strengths are the 24-hour accident start and that 100 percent tier. Weaknesses are the $10,000 cap on the Popular plan, a 6-month orthopedic wait unless a vet exam inside the enrollment window waives it, and app-only service with no phone-first support path.
When competitors win
Healthy Paws pairs unlimited payout with 90 percent reimbursement and scores 9.3 for dogs against Figo at 7.9. Lemonade starts around $28 per month for a dog and scores 9.0 if budget leads. Owners who want a human on the phone should compare Pets Best or Embrace, which run conventional support channels alongside their apps.
Related questions
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The Advisor ranks the eight reviewed plans from nine questions. Some links on WhichPetPlan (currently Lemonade) may earn a fee; it never changes the premium and never changes a ranking. The Advisor stays an unpaid ranking, not a quote form.
Start the AdvisorSome links (currently Lemonade) may earn a fee; it never changes the premium and never changes a ranking. Other insurers listed here do not pay us. Premium figures are illustrative starting estimates, not quotes. See our methodology for how scores are set.