Figo Pet Insurance Review

Figo offers wellness and accident and illness policies with generous reimbursement options.
Ben Moore
By Ben Moore 
Edited by Lacie Glover

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NerdWallet rating 

Plans offered: Accident and illness, wellness.

Breadth of coverage: Excellent.

Range of plan options: Excellent.

Can pay your vet directly: No.

The bottom line: Figo is a great choice for pet owners who want extensive coverage, a variety of deductibles to choose from and generous reimbursement options.

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. In our pet insurance reviews, our editorial team considers both the customer and the insurer. These are some of the factors we take into account:

Plans offered. Pet insurance companies generally offer the following three types of plans:

  • Accident and illness policies reimburse you for medical treatment if your pet gets sick or injured.

  • Accident-only policies pay expenses if your pet is injured.

  • Wellness plans help you budget for preventive care costs.

Breadth of coverage. We looked for plans that cover a wide range of potential expenses.

Range of plan options. This category looks at how many ways you can customize what you pay for your plan and how you’re reimbursed.

Can pay your vet directly. This indicates whether an insurer can pay your vet directly for medical expenses. With this service, you don’t have to pay the money yourself upfront and then wait for reimbursement.

Dive deeper with our criteria for evaluating pet insurance companies.

Figo Pet Insurance was founded in 2013 and is based in Chicago. It partners with Costco, and Costco members may be eligible for a discount on their policy. Policies are underwritten by Independence American Insurance Company, Markel American Insurance Company or Markel Insurance Company.

If you’re looking for broad pet coverage, Figo is a great choice. Its policies offer coverage for orthopedic conditions, hip dysplasia, prescription medication, non-routine dental treatment, cancer treatments and much more.

Figo offers a useful app with features to help manage your pet’s wellbeing, including the ability to set up health reminders, chat with a veterinarian 24/7, view your pet’s medical records and file and track claims.

Figo pet insurance


NerdWallet rating 

Figo earned 5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, coverage options and financial strength ratings.

Based on this rating, Figo is on NerdWallet's list of the Best Pet Insurance Companies.

Figo pros and cons



Wide breadth of coverage offered, with no upper age limit for pets.

Doesn’t offer an accident-only plan, which is typically cheaper than more comprehensive plans.

Unlimited annual coverage is available.

Several reimbursement options to choose from, including 100% reimbursement.

State availability

Figo’s accident and illness policies are available in all 50 states and Washington, D.C., but wellness policy availability varies by state.

Figo pet insurance plans

Figo offers one accident and illness plan with three annual limits to choose from — $5,000, $10,000 or unlimited. It offers the option to add a wellness plan which covers vaccinations, spaying or neutering, bloodwork and heartworm prevention.

Pet owners can also purchase Figo’s extra care pack, which includes coverage for:

  • Cremation and burial costs.

  • Lost pet advertising and reward.

  • Vacation cancellation due to a pet emergency.

  • Boarding fees.

  • Pet theft and loss due to straying, up to $150.

  • Third-party property damage liability insurance, up to $10,000 per policy period (subject to a separate deductible).

What Figo pet insurance covers

Figo pet insurance covers the following:

  • Orthopedic conditions, including ACL.

  • Hip dysplasia.

  • Rehabilitation prescribed and administered by a licensed veterinarian.

  • Mobility devices.

  • Medically necessary surgeries for covered accidents and illnesses.

  • Prescription medications for a covered illness or accident.

  • Veterinary specialist treatments.

  • Imaging for a covered illness or injury.

  • Non-routine dental treatment.

  • Behavior training and medication up to $500 per year.

  • Holistic and alternative treatments.

  • Pet ambulances.

  • Euthanasia.

  • Emergency services and hospitalization.

  • Laboratory and diagnostic testing.

  • Hereditary and congenital conditions.

  • Chronic conditions.

  • Cancer treatments.

Optional coverage is available for:

  • Prescription food up to $250 per year.

  • Veterinary exam fees.

What’s not covered

Your Figo plan won’t pay for the following:

  • Pre-existing conditions.

  • Experimental procedures.

  • Breeding, pregnancy or giving birth.

  • Cloned pets or cloning procedures.

  • Cosmetic surgery.

  • Most parasites.

Figo coverage options

Deductibles: Annual deductibles range from $100 to $1,000, but not all options are available for all pets.

Reimbursement amounts: You can choose to be reimbursed for 70%, 80%, 90% or 100% of your expenses.

Coverage limits: Pet owners can choose from annual coverage limits of $5,000, $10,000 or unlimited.

Restrictions and waiting periods

Age restrictions: Pets must be at least 8 weeks old to be covered.

Waiting periods: A waiting period is the time between when you buy your policy and when coverage starts. While Figo’s waiting periods will vary by state, there is a 6-month orthopedic waiting period for dogs.


Figo does offer discounts, but they vary by state.

Consumer experience

Website: The Figo website is easy to navigate and offers detailed information on what policies cover, a thorough frequently asked questions section, plus the ability to login and access Figo’s pet cloud, which is linked to Figo’s pet cloud app.

App: The Figo pet cloud app lets you upload and share your pet’s medical records, view policy information, file and track claims, receive important health reminders, track your pet with Figo’s pet tags and connect with pet owners in your area. You can also use the app to find pet hotels, groomers, day cares, pet-friendly restaurants and emergency pet hospitals. The app offers 24/7 access to a veterinarian through its live chat tool.

Claims: You can file a claim through the Figo app, over the phone, by email or through fax. Claims are processed within 30 days, and the status can be monitored in the Figo app.

Customer service: You can call Figo’s customer service at 844-738-3446 on Monday through Sunday. You can also send contact customer support over email, text, fax or use the Figo website’s chat feature.

Figo vs. competitors

Here’s how Figo stacks up against three other popular pet insurance companies.

Figo vs. Healthy Paws

Both Figo and Healthy Paws offer accident and illness policies with the option to choose an unlimited annual limit and a low $100 deductible.

Compared with Figo, Healthy Paws pet insurance offers fewer coverage options to choose from. It doesn’t offer a wellness package, or the option to cover exam fees, prescription diets, behavior modification or euthanasia and burial costs— all things Figo offers coverage for. Healthy Paws also caps its coverage on pets over the age of 14, while Figo has no age limit.

Healthy Paws’ coverage for hip dysplasia is limited to pets under six years old at the time of enrollment, and it doesn’t offer 100% reimbursement like Figo does. But Healthy Paws does give the option to have your vet paid directly, a convenient feature Figo doesn’t provide.

Coverage options


Healthy Paws


$100 to $1,000 per year. (Not all options are available to all pets.)

$100 to $1,000 per year. (Not all options are available to all pets.)


70%, 80%, 90% or 100%.

50%, 60%, 70%, 80% or 90%. (Not all options are available to all pets.)

Annual limit



Figo vs. Trupanion

Both Figo and Trupanion pet insurance offer accident and illness plans with unlimited annual limits. But Trupanion doesn’t offer wellness coverage, which means things like parasite control, vaccinations or getting your pet spayed or neutered aren’t covered.

Trupanion doesn’t offer a 100% reimbursement option like Figo. You can only choose to be reimbursed for 90% of expenses in most states, while Florida pet owners can choose between 50% to 90% reimbursement.

The way Trupanion’s deductible works is unique. Unlike Figo, which has an annual deductible that applies to all accidents or illnesses in a given year, Trupanion’s deductibles apply to individual conditions and don’t restart each year. That means if your dog needs regular medication, you’ll only need to pay the deductible for that medication once, as opposed to once per year with Figo.

Trupanion offers a zero deductible option, and pet owners in Florida will have no deductible at all. The lowest deductible Figo offers is $100.

Coverage options




$100 to $1,000 per year. (Not all options are available to all pets.)

$0 to $1,000 per condition (except in Florida, where no deductible applies).


70%, 80%, 90% or 100%.

90% (except in Florida, where you can choose any reimbursement amount between 50% and 90%).

Annual limit



Figo vs. Nationwide

Unlike Figo which offers an unlimited annual coverage limit option, Nationwide pet insurance plans all have an annual limit of $10,000. Nationwide also has less generous reimbursement options, with a 70% maximum reimbursement, while Figo has three higher coverage options, up to 100% reimbursement for vet bills.

Figo has more types of coverage than Nationwide. For example, Nationwide doesn’t provide coverage for getting your pet spayed or neutered, prescription food or behavioral therapies, which Figo does.

Figo also offers a 24/7 live chat with a veterinarian, which Nationwide doesn't.

Coverage options




$100 to $1,000 per year. (Not all options are available to all pets.)

$250 per year. (Other options available by phone.)


70%, 80%, 90% or 100%.

50% or 70%.

Annual limit



Frequently asked questions

Yes, Figo covers hip dysplasia. There is a six-month orthopedic waiting period before coverage begins.

Figo may cover non-routine dental treatment if it’s related to a dental injury or illness. Your pet must have no history of periodontal disease and be provided veterinarian-recommended dental care. Prevention and routine cleaning aren't covered.

Policies must be canceled in writing by emailing Figo’s customer support team.


NerdWallet’s pet insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, coverage, plan options, discounts and more. Our “consumer experience” category looks at factors such as website transparency and how easy it is to file a claim. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale. See our full pet insurance methodology.

These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

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