Figo Pet Insurance Review 2026

In the crowded world of pet health coverage, Figo pet insurance distinguishes itself with a modern, tech-forward approach designed to make life easier for pet parents. Known for its user-friendly “Pet Cloud” app and flexible plan options, Figo appeals to those who want to manage their pet’s health records and claims from the palm of their hand. But is the coverage as good as the technology?

If you are looking for a plan that offers high reimbursement rates and quick claim processing, Figo is worth a look. Compare Figo with other top-rated companies to see how their premiums stack up against the competition.

How Figo Works

Figo pet insurance operates on a reimbursement model. You pay your veterinarian upfront for services, upload the invoice via the app, and receive a direct deposit or check for covered expenses. They offer three primary levels of annual coverage limits to fit different budgets:

• Essential: $5,000 annual limit.
• Preferred: $10,000 annual limit.
• Ultimate: Unlimited annual coverage.

One of the strongest selling points of Figo is flexibility. Policyholders can choose reimbursement rates of 70%, 80%, 90%, or even 100% (though the 100% option is not available in all states or for all pets). Deductibles range from $100 up to $1,000 or more per year, depending on your state and the age of your pet. Furthermore, Figo offers “Powerups,” which are customizable add-ons for Wellness Care (vaccines, dental cleaning), Veterinary Exam Fees, and an Extra Care Pack (which covers boarding fees and lost pet advertising).

Pros and Cons

Before committing to a policy, it is important to weigh the specific advantages and drawbacks of this provider.

• Pros:
  • 100% Reimbursement Option: Unlike many competitors, Figo offers full reimbursement plans in eligible states.
  • One-Day Waiting Period: Coverage for accidents begins just one day after activation.
  • Orthopedic Waiver: You can completely waive the standard 6-month orthopedic waiting period by having your vet complete a simple health exam form.
  • The Pet Cloud: An excellent app that manages medical records, adoption papers, and claims seamlessly.
  • 24/7 Vet Live Chat: Access to veterinary professionals anytime through the app at no extra cost.
• Cons:
  • Exam Fees Cost Extra: Veterinary exam or consultation fees for sick visits are not included in the base plan; you must purchase the “Veterinary Exam Fees” Powerup.
  • Age-Based Pricing: Premiums can increase significantly as your pet ages compared to providers with issue-age pricing.
  • Pre-Existing Conditions: Like most insurers, strictly pre-existing issues are excluded, though curable conditions may be covered after a symptom-free period.

Is Figo Legit?

Yes, Figo is a highly legitimate and reputable provider. Founded in 2013, Figo pet insurance policies are underwritten by Independence American Insurance Company (IAIC), a highly rated insurer with strong financial stability. They have maintained a prominent presence in the market and hold an accredited status with the Better Business Bureau (BBB). Their innovative use of technology has garnered them significant attention and generally positive feedback in Figo pet insurance reviews across the web, particularly for their fast claim-processing times.

Final Verdict

Figo is an excellent choice for pet owners who value technology and customization. The ability to choose a 100% reimbursement rate, the incredibly short 1-day waiting period for accidents, and the option to waive the orthopedic wait make them a standout in the industry. However, budget-conscious owners should be mindful that exam fees require an add-on, which can inflate the initial monthly premium quote.

Ultimately, Figo provides robust protection with a modern interface. To ensure you are getting the best deal for your specific breed and location, we recommend shopping around. Check the competition our Buyer’s Guide today.

Frequently Asked Questions

Is Figo a good pet insurance company?
Yes, Figo is widely considered a strong contender in the market due to its comprehensive coverage options, high reimbursement limits, and excellent mobile app. They are particularly good for tech-savvy pet owners who want digital convenience and fast claim payouts.

Does Figo cover pre-existing conditions?
Generally, no. Figo pet insurance does not cover incurable pre-existing conditions. However, they distinguish between “incurable” and “curable” conditions. If a pet has a curable condition (like an ear infection) and shows no signs or symptoms for 12 months, Figo may cover future instances of it.

Does Figo have a waiting period?
Yes, but they are shorter than many competitors. There is an industry-leading 1-day waiting period for accidents and a 14-day waiting period for illnesses. Orthopedic conditions generally have a 6-month waiting period, but Figo uniquely allows you to waive this 6-month wait entirely if your vet completes an orthopedic exam within the first 30 days of the policy.

Does Figo cover dental cleanings?
The standard accident and illness policy does not cover routine dental cleanings (prophylaxis). However, if you purchase the optional Wellness Powerup (preventive care add-on), it provides an annual allowance that can be put toward routine dental care.