If you want to insure your dog or cat and want a company that seems tech-friendly, Figo might be a good choice.

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If your dog or cat, unfortunately, becomes ill or is injured in an accident, vet bills can add up quickly. But if there is Pet insuranceYou may be able to compensation At least some of these costs themselves. And unlike most people’s health insurance plans, you usually get to see whichever vet you want (although there may be a few restrictions to consider).

For those in the market for pet insurance, you may be wondering how Figo pet insurance stacks up. In this Figo pet insurance review, we’ll take a look at some of the top pros and cons of this provider so you can decide if it’s a good fit.

If you’re in the market for pet insurance, start by getting a free quote so you know exactly what to expect.

Overview of Figo Pet Insurance

If you want to insure your dog or cat and want a company that seems tech-friendly, Figo might be a good choice.

These pet insurance companies offer accident and sickness plans as well as several add-ons for wellness coverage or ancillary services such as covering certain burial or cremation costs.

Overall, the plans are a bit pricey, but the Figo may be a good fit for pet parents who want benefits like curative coverage. Predefined conditions As well as fun features like being able to connect with nearby pets Also, its technological emphasis can make things like filing claims easier for some people.

Figo Pet Insurance Cost Vs Competitors

Figo is on the higher end Pet insurance costs Compared to competitors, and while it’s the most in the sample quote chart below, that’s not to say it’s always the most expensive.

As such depends on the specification Breeding and how you customize coverage (eg, adjusting reimbursement limits, reimbursement percentages, etc.). deductibles), you may pay more with other pet insurance providers. In addition, Figo has some unique features, such as an AI claims assistant, and its included Pet Cloud offering offers services from telehealth to networking with other pet parents in your area.

Not sure what a Figo pet insurance plan will cost you? You can get a free quote in less than 60 seconds by answering a few short questions.

Cost comparison

Here’s a side-by-side price comparison using a Figo plan to compare with the competition.




Pets are best

Monthly expenses for dogs





Monthly expenses for cats





Annual limit





Compensation level





Annual deductible



$300 for dogs/ $250 for cats


Discounts for multiple pet insurance


5% (10% bundle discount with other types of insurance)

None of them


Based on one 1-year-old mixed breed male dog (medium weight) and one 1-year-old mixed breed female cat in New York City, including vet exam fee coverage for the qualifying event. Rates are for illustrative purposes only and may vary based on your circumstances.

Figo Pet Insurance Professionals

Figo pet insurance policy offers many benefits, such as the following:

  • There is no upper age limit: As long as your dog or cat is at least eight weeks old, they can be covered by Figo. So if you are worried about the age limit, Figo can be a good option to cover your senior furry friend.
  • Customizable policy: Figo also offers a range of customization In addition to opting for things like annual limits, you can also add coverage for veterinary examination fees due to accidents or illnesses. Another option is to include wellness coverage, which can help cover some costs like wellness exams and vaccines. You can add what Figo calls an “extra care pack” that can cover things like lost pet ad/rewards and third-party property damage liability, though there are some nuances to watch if you go this route.
  • Short waiting period: Another benefit of Figo pet insurance is its relatively short waiting period. Accident coverage can start within a day of purchasing the policy and the waiting period for sickness is 14 days. A healthy orthopedic examination can also waive the six-month waiting period for orthopedic conditions. Plus, if you do need to make a claim, Figo says it pays these out in an average of 2.6 business days, so you won’t have to wait too long to get yourself reimbursed.
  • 100% refund option: If you really want to minimize the amount you have to pay due to an accident or illness, you can go with Figo’s 100% reimbursement option for some plans. Although this makes premiums higher, you may find that it’s worth it for your situation.
  • 24/7 live vet chat: Using Figo’s app, you can chat directly with a vet via live text anytime. So if you’re worried about your dog or cat, you can ask questions to determine what to do next.
  • Pet cloud: In addition to veterinary telehealth, Figo offers several technology-forward features known as Pet Cloud. There, you can manage everything from working with an AI claims assistant to storing a digital record of your pet to finding pet-friendly places near you.

If these benefits sound convenient to you, start the process with Figo by getting a free quote today

Figo pet insurance cons

Despite the many Figo pet insurance benefits, there are also some pet insurance cons to consider, including:

  • Relatively high cost: Figo has relatively high premiums compared to many other providers. Although you can get some unique benefits with Figo, not everyone wants all these features and would prefer a lower cost plan.
  • Add-ons can be complex: While some providers offer more than an all-in-one plan, or have some perks available within different tiers, the optional add-ons for the Figo can be both helpful and confusing, depending on your perspective. For example, instead of getting coverage for vet exam fees due to an accident or illness as part of a base plan, you have to select this optional add-on for additional expenses. So, if you choose this insurer, you want to make sure you read the inclusions carefully as you customize your plan.
  • High payout levels: Some people may see higher payout levels – from 70-100% – as a positive, but it can make policies more expensive. An insurer with a 50% reimbursement option, for example, may be able to pay lower premiums in exchange for this shared financial cost.

Bottom line

One if you are willing to spend more money Pet insurance policy With potential benefits like wide coverage, as well as quick claims and fun features, then Figo might be right for you. And for some pet parents, being able to get cover for what is considered a curable pre-existing condition, for example, can offset cost differences compared to some other plans.

That said, you may want to shop around with other pet insurers to see how their coverage terms and costs stack up. From there, you can decide on the cost/benefit balance that makes the most sense for you and your pet. Get started by getting a free price quote from Figo to see if their plans work for you

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