Figo pet insurance review
Figo scores 7.9/10 in our rankings. For dogs, it's best for maximum payback One of the few offering full reimbursement — priced accordingly, and the app is where all service happens. For cats, it's best for maximum payback Full reimbursement is rare and useful — everything runs through the app, with no phone support to speak of. Quotes for a healthy one-year-old animal typically start around $40/mo for dogs or $23/mo for cats, but your actual price depends on breed, age, ZIP code and the deductible/reimbursement combination you pick — treat that number as a starting point, not a quote.
Quick facts
- Annual limit
- $5k–unlimited
- Deductible
- $100 to $750 standard, plus $1,000/$1,500 options for pets age 8+/10+
- Reimbursement options
- 70%, 80%, 90% or 100% — the only insurer here offering a 100% tier
- Accident / illness wait
- 24 hours / 14 days
- Wellness add-on
- Available
What it covers, and what it caps
Annual limit options: Ranges by plan: the Popular plan caps at $10,000; the Higher Coverage plan has no annual limit. 100% reimbursement is only available with a $500 or $750 deductible, not paired with the unlimited-annual-limit plan.
Deductible: $100 to $750 standard, plus $1,000/$1,500 options for pets age 8+/10+
Reimbursement: 70%, 80%, 90% or 100% — the only insurer here offering a 100% tier
Wellness / routine care: Yes — optional Wellness Powerups. The Basic tier covers up to $30 of microchipping; Wellness Plus adds flea/tick/heartworm prevention, blood panels, fecal tests and deworming.
Waiting periods
- Accidents: 24 hours
- Illness: 14 days
- Orthopedic / cruciate: 6 months, waivable with a vet exam completed and submitted within the enrollment window
Pre-existing conditions
Not covered, standard exclusion for signs shown before enrollment or during the waiting period.
Who Figo is not for
Owners who want unlimited coverage and 100% reimbursement at the same time — Figo does not sell that combination — or anyone who prefers phone support; claims and service run through the Pet Cloud app.
Questions about Figo
Some links here are partner links. If you buy through one, the insurer may pay us a fee — it never changes your premium and it never changes a ranking. See our methodology for how scores are set.