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Figo Pet Insurance

Reviewed by Jeffrey Hanschmann, Licensed Insurance Producer
Updated April 1, 2026

Figo Pet Insurance
PRICINGPLANS OFFEREDWHAT'S COVEREDROUTINE CARE ADD-ONSENROLLMENT REQUIREMENTSWAITING PERIODSHOW TO FILE A CLAIMDISCOUNTSCUSTOMER SUPPORTCANCELLATION POLICY

Pricing

Plans Offered

Figo offers accident & illness coverage for dogs and cats. Figo also offers an optional Routine Care add-on coverage.
ACCIDENT AND ILLNESSCovers accidents and illnesses with multiple annual benefit options.
Deductible Levels: $100 – $1,500Reimbursement Levels: 70%, 80%, 90%, or 100%Annual Limit Options: $5,000, $10,000, or Unlimited Annual Limit

What's Covered / Not Covered

COVERED (ACCIDENT & ILLNESS PLANS)

COVERED (ACCIDENT & ILLNESS PLANS)

  • Accidents and illnesses
  • Some dental injuries and illnesses*
  • Laboratory and diagnostic testing
  • Imaging
  • Cancer treatments
  • Breed-specific conditions
  • Orthopedic conditions
  • Holistic care and alternative therapies
  • Vet-recommended euthanasia

*Generally speaking, Figo will cover necessary dental procedures, assuming all vet-recommended exams and cleanings are up-to-date. The specific language used to describe what dental procedures are considered eligible expenses for insurance coverage is specified per policy and varies by provider. Here is Figo's latest definition: Endodontic Treatment for dental Injuries, such as root canals and crowns, where deemed Medically Necessary. These Treatments are subject to review and approval by Our Medical Director. We will reimburse You for the cost of Treatment Your Pet receives in the current period of insurance for an Illness or Injury that first showed Clinical Signs after the end of the Waiting Period and Treatment required due to Dental Illness and Injury, subject to Policy limitations and exclusions. To receive Dental Illness Coverage, You must follow Your Veterinarian’s advice regarding dental care, including but not limited to, an annual dental exam and any related Treatment recommendations.

NOT COVERED

NOT COVERED

  • Pre-existing conditions
  • Bilateral conditions
  • Alternative, holistic, and behavioral therapies (without supplemental policy coverage)
  • Vitamins or supplements
  • Obedience training
  • Breeding, nursing, or whelping
  • Boarding fees due to owner hospitalization
  • Cosmetic or elective procedures
  • DNA testing or cloning

Routine Care Add-Ons

Figo offers a separate policy rider for wellness coverage known as "Wellness-Plus Powerups." For an additional monthly fee, policyholders can claim:
  • Wellness exams
  • Vaccinations
  • Spay/neuter procedures and teeth cleaning
  • Flea and parasite prevention
  • Tests (blood panel, fecal, heartworm, urinalysis, FeLV)
  • Microchipping and health certificates
  • Deworming
  • Dental treatments
The amount you can claim for Wellness is subject to the limits defined in the benefit schedule based on the tier of your chosen plan. Per-incident copays, deductibles, and co-insurance do not apply.In addition to the wellness rider, Figo offers additional riders known as Extra Care packs, which include:
  • Office Visit and Exam Fee Coverage¹
  • Rehabilitation and Physical Therapy Coverage
  • Holistic and Alternative & Behavioral Problems²
  • Final Respects Coverage³
  • Boarding Fees Coverage⁴
¹ Physical exam fees, including costs and/or fees for telephone consultation² Holistic and Alternative Medications, Behavioral Problems and any related Treatment(s), training sessions or diagnostics, are excluded, unless you purchase optional coverage³ Air Ambulance and non-emergency ground Pet Ambulance transportation, cost of disposing of pet's remains are not covered unless you purchase optional Final Respects Coverage⁴ The cost of boarding your Pet, unless you purchase optional Boarding Fees Coverage or as a part of a Medically Necessary Treatment

Enrollment Requirements

  • Minimum age at enrollment: 8 weeks
  • Medical Review: Records are requested at the time the first claim is filed
  • Valid United States address: Your pet must reside with you at the primary address you list for your insurance provider
  • One time enrollment fee: Applies to all new policies

Waiting Periods

  • Accidents: 1 day*
  • Illnesses: 14 days
  • Cruciate Ligament Injuries: 6 months
  • Hip Dysplasia: 6 months
  • Orthopedic Conditions: 6 months for dogs

*The waiting period for accidents can be up to 3 days for those with pet insurance in certain states. Check the specific terms of your policy's details to confirm the actual effective date of coverage.

How to File a Claim with Figo

  • Claim Step 1

    1) Choose a Plan:

    Select a policy that fits your pet's needs and your budget.
    Use PIPA's free tool to see if Figo is the best option for you and your pet(s).
  • Claim Step 2

    2) Pay Upfront:

    Visit any licensed veterinarian in the U.S. or Canada and pay the vet directly when your pet needs care.
  • Claim Step 3

    3) Submit Claim:

    Claims can be submitted through one of the following Figo channels. The window to file is 180 days.
    • Mobile App called "Pet Cloud"
    • Email
    • Phone
    • Fax
  • Claim Step 4

    4) Get Reimbursed:

    Figo processes claims within 30 days of receiving them but states that its goal is 7–10 business days. Payments can go directly into your bank account via ACH to make the reimbursement process faster.

View a Figo Pet Insurance Sample Policy.

Discounts Offered by Figo

  • Multi-Pet discount: 5%
  • Military/Veteran discount: 5%
  • Figo offers a "diminishing deductible" that reduces a policy's annual deductible amount following a term in which no accident or illness claims are reimbursed
  • Save $24 per year in processing fees by paying your premium annually instead of monthly

Customer Support for Figo

Call: 1-844-738-3446Email: support@figopetinsurance.comOther: Online Chat

Cancellation Policy

Figo offers a free trial and a 30-day money-back guarantee. However, you can cancel a Figo Pet Insurance policy anytime by emailing their customer service team.
PIPA Logo

PIPA's Review

Figo is best known for:

  • No upper age limit to buy a new policy
  • "Powerups" including hard-to-find coverage for expenses which can include advertising and rewards for lost/stolen pets, liability coverage if your pet damages others' property, and boarding expenses if you're hospitalized.
  • Includes coverage for dental illnesses
  • Options on discounts to save extra on premiums
  • Mobile app available

Considerations:

  • Accident-only coverage not available
  • No option for paying vet directly
  • Does not cover prescription food nor behavioral therapy