In-Depth Review

Figo Pet Insurance Review

Last updated: March 2026 | Reviewed by Mike (AAI, PRC, SBCS, CCIC)

Overview

Figo launched in 2012 with a technology-first approach to pet insurance. The Pet Cloud app is consistently rated as one of the best in the industry, offering policy management, claims submission, vet finder, and pet health records in one place.

Figo's key differentiators are the 100% reimbursement option (most carriers cap at 90%) and the 1-day accident waiting period. These features make Figo particularly attractive for pet owners who want maximum coverage with minimal out-of-pocket costs.

Coverage Details

Figo's plans cover accidents, illnesses, hereditary conditions, cancer, emergency care, specialist visits, surgery, hospitalization, prescription medications, diagnostic testing, and alternative therapies (acupuncture, chiropractic, hydrotherapy).

The 100% reimbursement option means you pay nothing out of pocket after meeting your deductible — a significant advantage for expensive treatments. Coverage limits range from $5,000 to unlimited annually.

Pricing & Premiums

Figo's premiums are competitive, starting around $20/month for cats and $30/month for young dogs at lower coverage tiers. Choosing unlimited coverage with 100% reimbursement and a $100 deductible pushes premiums to $60–$80/month.

The 5% multi-pet discount is modest compared to the 10% offered by Embrace, Spot, and Lemonade. However, the 100% reimbursement option can offset this by eliminating the 10–30% you'd pay out of pocket with other carriers.

Claims Experience

Claims are submitted exclusively through the Pet Cloud app, which streamlines the process with photo uploads and auto-fill features. Processing times average 3–10 business days, competitive with industry leaders.

Figo reimburses based on actual vet bills and offers direct deposit. The app provides real-time claim status tracking and push notifications when claims are processed.

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