Figo Pet Insurance Review 2025

Figo earned 4.4 stars out of 5 for overall performance thanks to customizable accident and illness plans that come with plenty of perks. For example, the company may reduce your deductible by $50 each year you go without filing a claim.

Figo has a useful app with features to help manage your pet’s wellbeing. You can use it to set up health reminders, chat with a veterinarian 24/7 and file claims.

The company can cover orthopedic conditions, prescription medication, non-routine dental treatment, cancer therapies and much more. However, Figo won’t cover prescription food or sick exam fees unless you upgrade your plan. Supplements are never covered, and accident-only coverage isn’t available.

Figo partners with Costco, whose members may be eligible for a discount on their policy.

» MORE: The best pet insurance companies

Figo's accident and illness plan is fairly comprehensive, covering:

• Orthopedic conditions, including hip dysplasia.

• Rehabilitation and physical therapy.

• Mobility devices.

• Medically necessary surgeries.

• Prescription medications.

• Diagnostic tests.

• Non-routine dental treatment.

• Behavioral training and medication.

• Holistic and alternative treatments.

• Euthanasia.

• Emergency services and hospitalization.

• Hereditary and congenital conditions.

• Chronic conditions.

• Cancer treatments.

Powerups

Depending on where you live, you may also have the option to add extra coverage that Figo calls “Powerups.” The wellness Powerup covers:

• Annual checkups.

• Vaccinations.

• Spay/neuter surgery or dental cleaning.

• Tests such as blood work or urinalysis.

• Microchipping or health certificates.

• Deworming.

The veterinary exam fees Powerup covers:

• Prescription food to treat a covered illness.

• Veterinary exam fees.

Note: Coverage options and availability may vary depending on where you live and the age and breed of your pet.

The exclusions in Figo’s accident and illness plan are fairly standard. It won't pay for:

• Pre-existing conditions, unless they’ve been cured and the pet is symptom-free for at least 12 months.

• Experimental procedures.

• Breeding, pregnancy or giving birth.

• Cloned pets or cloning procedures.

• Cosmetic surgery.

• Most parasites.

• Nutritional supplements.

» MORE: What does pet insurance cover?

Deductibles: A pet insurance deductible is the amount of your vet bills you need to pay before the insurer starts reimbursing you. Figo’s annual deductibles generally range from $100 to $1,500. Not all options may be available to all pets.

Reimbursement amounts: You can typically choose to be reimbursed for 70%, 80%, 90% or 100% of your vet expenses after you’ve reached your deductible.. The 100% option is a rare offering in the pet insurance industry.

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

Age restrictions: Pets must be at least 8 weeks old to enroll. Unlike some pet insurers, Figo has no upper age limits.

Waiting periods: A pet insurance waiting period is the time between the date you buy your policy and the date that coverage starts. Figo’s waiting periods vary by state. In some cases, you may be able to waive a waiting period by having your vet examine your dog and complete the company’s waiver form.

» MORE: Does pet insurance cover surgery?

The cost of Figo pet insurance depends on where you live, the coverage limits you choose, and your pet’s breed and age.

Sample rates for dogs

To give you a rough idea of how much you might pay, we gathered sample rates for several popular dog breeds at ages 2 and 8. Rates below are sample monthly premiums for dogs living in Katy, Texas. Our sample plan was for accident and illness coverage with a $250 deductible, $5,000 of annual coverage and an 80% reimbursement rate. Your own price will vary.

Sample rates for cats

We also gathered rates for a variety of cat breeds with the same coverage limits as above. Rates below are sample monthly premiums for cats living in Katy, Texas.

» MORE: The best cheap pet insurance

Discounts

Figo offers a 5% multipet discount and, in most states, a 5% military discount.

Figo is licensed to sell pet insurance in all 50 states and Washington, D.C.

Availability may change at any time. Coverage may not be available to all pets in a given state.

» MORE: Is pet insurance worth it?

Website: The Figo website is easy to navigate and offers a thorough list of frequently asked questions. You can also log in to Figo’s Pet Cloud web portal (there’s a link on the Figo site).

Mobile app: The Figo Pet Cloud app lets you store your pet’s medical records, view policy information, file claims, and set health reminders. One nice feature is the ability to track your pet with Figo’s pet tags in case they ever get lost. You can also use the app to find pet-friendly local restaurants and connect with pet owners in your area. The app offers 24/7 access to a veterinarian through its live chat tool.

You can file a claim online, through the Figo app, over the phone, by email or via fax. Figo typically processes claims within 30 days. You can monitor the status of each claim in the Pet Cloud app or web portal.

Figo applies the reimbursement rate to your eligible vet expenses before it subtracts your deductible. That leads to a slightly less generous payout than companies that subtract the deductible first.

Here’s how the math would work if you had a $1,000 vet bill, 80% reimbursement and a $100 deductible.

» MORE: How much does pet insurance cost?

Phone: You can call Figo’s customer service team at 844-738-3446 Monday through Saturday. Text support is available at 844-262-8133.

Email: Send messages to support@figopetinsurance.com.

Live chat: Agents are available for live chat Monday through Saturday.

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

Figo vs. Healthy Paws

The biggest differences between Figo and Healthy Paws are:

Coverage. Compared to Figo, Healthy Paws pet insurance offers fewer coverage options to choose from. It doesn’t offer a wellness package. Nor does it have the option to cover exam fees, prescription diets or behavioral modification — all things Figo can cover.

Options for older pets. Healthy Paws also won’t insure pets age 14 and up, while Figo has no upper age limit. Healthy Paws covers hip dysplasia only for pets under 6 years old at the time of enrollment.

Unique features. Healthy Paws offers the option to pay your vet directly, a convenient service Figo doesn’t provide. But it doesn’t have a 100% reimbursement option for all vet expenses like Figo does.

» READ MORE: Healthy Paws pet insurance review

Figo vs. Trupanion

The main differences between Figo and Trupanion are:

Deductibles. The way Trupanion’s deductible works in most states is unique. Like most pet insurers, Figo 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 reset 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.

Wellness coverage. Trupanion doesn’t offer wellness coverage, so it won’t pay for things like parasite control, vaccines, or getting your pet spayed or neutered. Figo offers wellness coverage as an optional add-on.

» READ MORE: Trupanion pet insurance review

Figo vs. Nationwide

The key differences between Figo and Nationwide are:

Reimbursement for vet bills. Figo’s plan can reimburse up to 100% of your vet bills after you've met your deductible. Meanwhile, Nationwide’s plans offer anywhere from 50% to 80% reimbursement.

Pets covered. Both Figo and Nationwide insure dogs and cats, but Nationwide can also cover rabbits, guinea pigs and other “exotic” pets.

» READ MORE: Nationwide pet insurance review.

• See all of NerdWallet’s pet insurance reviews

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