Figo Pet Insurance
$18–$70/month
Figo Review Summary
Figo Pet Insurance, founded in 2013 and headquartered in Chicago, carved out a tech-first niche in pet insurance with their Pet Cloud app — a digital health record and claims platform that streamlines the ownership experience. Their signature feature is 100% reimbursement at the highest tier, which eliminates out-of-pocket costs after the deductible. The 1-day accident waiting period is among the shortest in the market, useful for owners who need rapid coverage. Coverage includes exam fees and alternative therapies but excludes dental illness and behavioral therapy. Some customers have reported substantial premium increases following the underwriter transition to Zurich Insurance. Figo remains a solid choice for tech-oriented owners who want best-in-class digital tools alongside strong core coverage.
Pros & Cons
✅ Pros
- ✓Unique 100% reimbursement option available
- ✓1-day accident waiting period — among the shortest available
- ✓Pet cloud app for storing health records and claims
- ✓Covers exam fees and alternative therapies
- ✓Competitive pricing for the coverage level
⚠️ Cons
- ✗No dental illness coverage
- ✗No behavioral therapy coverage
- ✗Some customers report significant premium increases
- ✗Claims portal can be slow
Coverage Details
| Monthly Premium | $18–$70 |
| Annual Deductible | $100–$1,500 |
| Reimbursement Options | 70%, 80%, 90%, 100% |
| Annual Limit Options | $5,000, $10,000, Unlimited |
| Accident Waiting Period | 1 day |
| Illness Waiting Period | 14 days |
| Age Limit | None |
| Hereditary Conditions | ✓ Covered |
| Bilateral Conditions | ✓ Covered |
| Dental Illness | ✗ Not covered |
| Exam Fees | ✓ Covered |
| Behavioral Therapy | ✗ Not covered |
| Cancer Treatment | ✓ Covered |
| Alternative Therapies | ✓ Covered |
| Wellness Add-on | ✓ Available |
| Breed Exclusions | ✓ No breed exclusions |
What's Covered
- ✓ accidents
- ✓ illnesses
- ✓ hereditary conditions
- ✓ congenital conditions
- ✓ cancer
- ✓ orthopedic conditions
- ✓ exam fees
- ✓ alternative therapies
- ✓ prescription medications
What's Excluded
- ✗ pre-existing conditions
- ✗ dental illness
- ✗ behavioral therapy
- ✗ elective procedures
- ✗ breeding costs
- ✗ grooming
Best For
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