Figo Pet Insurance

Figo Pet Insurance is a relatively new, up-and-coming insurance provider. Despite its short history, Figo has won several awards over the past five years for its modern take on pet insurance. But is Figo Pet Insurance the best fit for your dog? Read this unbiased guide on Figo Pet Insurance to learn about their premiums, coverage, customer reviews, and more.

Figo Pet Insurance pricing

As is the case with all pet insurance providers, the cost of insuring your dog will change drastically depending on your dog's breed, age, and whether they have any medical conditions.

On Figo's website, they state that the average cost is less than $1.50 a day, equating to around $45 a month. This statement is backed up by an independent review by Business Insider, which says the average cost of dog insurance with Figo is around $38.90 a month

Like some other modern pet insurance companies, Figo offers adjustable deductibles and reimbursement percentages, which will affect the price of your insurance. Figo also charges an administration fee, which differs from state to state. It is not immediately clear from their website the general cost of these fees.

Figo offers an add-on which helps cover the cost of examinations for accidents and injuries. This add-on is not a set price and changes depending on your dog's age and breed.

Figo has three different plans that cover the same illnesses and injuries but offer different limits on the maximum amount you can be reimbursed annually. Figo states their most popular is the Preferred Plan, which has a maximum annual benefit of $10,000. A slightly cheaper plan is available called the Essential plan, which has a maximum annual benefit of $5,000. There's also the Ultimate Plan, which is the most expensive but has unlimited max annual benefits.

The difference between these three plans in terms of cost is not drastic. For example, for a male dog under 12 months old with no health conditions in California, the difference between the Essential Plan and the Ultimate Plan was around $6 a month. This difference does increase the older your dog is, but only by a few dollars.

Figo provides a 30-day money-back guarantee, in case you're unsatisfied with your experience or change your mind. 

How do I file a claim with Figo Pet Insurance?

One of Figo's big selling points is their Pet Cloud App, which boasts many functions, including an easy way to make claims. Go to the 'claim' tab on the app, upload a picture of your paid veterinary invoice and request that your vet sends Figo your dog's records.

If you are unable to access the app, you can also file a claim with Figo through fax, email, or over the phone with customer service. You will need to provide the same information as is required on the Figo Cloud app. Figo aims to process all claims within 7 to 10 business days; however, they set a maximum time frame of 30 days. Ensure you provide all required documentation as otherwise your request may be delayed. 

What does Figo Pet Insurance cover?

All three of Figo's plans cover the same conditions and injuries, and they are upfront about what your plan doesn't cover. Figo provides cover for your the following illnesses and injuries:

  • Knee conditions

  • Surgeries

  • Hip dysplasia

  • Prescription medication

  • Imagining (X-rays, cat scans etc.)

  • Accidental dental injuries

  • Cancer treatment

  • Prosthetic and orthotic aids

  • Hereditary conditions

  • Chronic conditions

  • Emergency services

  • Hospitalization

  • Lab tests

  • Chiropractics

  • Acupuncture

Meanwhile, Figo Pet Insurance does not cover:

  • Preexisting conditions

  • Elective surgeries including spaying and neutering

  • Routine check-ups 

  • Cloning procedures

  • Breeding, pregnancy, and giving birth

  • Experimental procedures

This is not an exhaustive list of what is and isn't covered by Figo pet insurance. If you are unsure what is covered, check the terms and conditions of your policy.

How to apply for Figo Pet Insurance

In order to apply for Figo Pet Insurance, your dog must be at least eight weeks old. While there is a minimum age limit for insuring your dog with Figo, there is no maximum age. You must be a resident of the US, Canada, or Puerto Rico to apply.

You can apply for Figo Pet Insurance over the phone or online. You'll need to supply some basic information about you and your dog, including their name, breed, and age. You'll have to provide your ZIP code, as well as an email address to send your policy information. 

After inputting your information, Figo will quote the price of their three different policies. Click the policy that you want, and as long as you're happy with the cost, you can proceed to payment. Figo will then email you your policy information. 

Waiting period

Like all pet insurance providers, Figo has wait periods for certain conditions. At the start of your policy, the waiting periods are 14 days for illness and three days for an injury. As Figo covers knee conditions, there's also a waiting time of six months, to ensure the ailment was not preexisting. Your insurance will not cover any conditions discovered before or during these waiting periods.

Figo Pet Insurance reviews

Reviews across the Better Business Bureau (BBB) and Consumer Affairs on Figo Pet Insurance are mixed. While many customers say Figo is very helpful and covers the costs of their dog's injuries or illnesses, others have had problems claiming through Figo. There are also lots of negative reviews relating to a change of underwriter on Figo's insurance policies.

Many customers say that the change in Figo's underwriter has drastically altered their premiums and deductibles. You'll find lots of reviews on BBB and Consumer Affairs that say this recent change in underwriter has caused their monthly premiums to go up by as much as 50%. These customers often state they were not notified of the revisions to their policy. Despite these issues, Figo is very active on the BBB and Consumer Affairs websites and usually replies to customer reviews.

Other concerns arise due to waiting periods and preexisting conditions; however, these issues are common among insurance providers.


Currently, there are no federal lawsuits open against Figo Pet Insurance. Figo Pet Insurance is an accredited company with the Better Business Bureau and Consumer Affairs and has been with the former for over four years. Figo Pet Insurance does not currently have an A-rating on the BBB, as they have a number of outstanding complaints filed against them. 

Is Figo Pet Insurance right for your dog?

Figo Pet Insurance is a good option for pet parents looking to insure an older dog, which has been rejected by other providers. They also provide the Pet Cloud app, which allows you to file claims and talk to veterinarians online, which is a useful tool. Figo Pet Insurance covers some conditions and diseases that other companies don't, such as knee conditions and hereditary diseases.

That being said, recent changes to their underwriting has cast doubt on their transparency and affordability. If you plan on taking out a policy with Figo, ensure you keep an eye on our monthly premiums and check with their customer care about any potential future rate changes.

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