Figo Pet Insurance

Overall Rating






Customer Service


Figo Pet Insurance, which was founded in 2013 and is based in Chicago, Illinois, is underwritten by Independence American Insurance Company. In addition to pet insurance, Figo offers the Pet Cloud app, a pet insurance platform designed to provide pet healthcare services and social connections for pet owners. Figo is a member of the North American Pet Health Insurance Association and takes a tech-first approach to customer service.

  • Customizable coverage options
  • Diminishing deductible plans
  • 100% reimbursement option
  • Pet Cloud app for pet healthcare services and social connections
  • Wellness coverage add-ons
  • One-day waiting period for accident coverage
  • Worldwide travel coverage 
  • Multi-pet discounts (5%)
  • Claims payments in four days or less
  • Coverage for pets as young as 8 weeks of age
  • Procedure cost estimates
  • Money-back guarantee for 30 days
  • Charges a $2 monthly transaction fee
  • Charges a $15 administration fee
  • Excludes bilateral limb conditions 
  • Charges more for cat plans


Pros Explained

Figo Pet Insurance offers three customizable plans with diminishing deductibles, including an unlimited coverage option. Plus, you can visit any licensed veterinary practice, emergency hospital, or specialist in the United States, Canada, or Puerto Rico.

Figo’s unique Pet Cloud app provides pet healthcare services such as uploading medical records and sending health reminders and social connections to pet owners. You can receive customer support the way you prefer, including online, text, via phone, or through the Pet Cloud app.

Cons Explained

Figo does not offer an accident-only option and excludes bilateral and pre-existing conditions. The provider charges extra for the option that includes veterinary exams for covered illnesses and injuries. None of Figo’s plans include routine and preventive care, spaying or neutering, breeding, pregnancy, or giving birth. Finally, you will pay slightly more for a cat plan—monthly premiums for cat plans range from $23.53-$33.19 per month, while dog plans range from $19.36-$27.31 per month.

Final Thoughts

Overall, Figo is a quality pet insurance company. You can customize your plan’s annual yearly limit and select unlimited benefits coverage. While Figo does not cover routine and preventive care, their pet health insurance is economical and could be a good choice for those looking for low-cost accident and illness coverage.