Is Figo Pet Insurance Legit? A Comprehensive Review

Is Figo Pet Insurance Legit?

Figo Pet Insurance is one of the leading providers of pet insurance in the US, offering comprehensive coverage for dogs and cats.

An image to Illustrate: Figo Pet Insurance
If you’re looking for pet insurance, you might have heard of Figo. Figo offers a variety of options for dogs and cats, as well as some unique perks. But is Figo Pet Insurance legit? Find out in this article/PHOTO COURTESY: Freepik

But is Figo Pet Insurance legit? How does it compare to other pet insurance companies? What are the pros and cons of choosing Figo for your furry friend?

This article will answer these questions and more, based on the latest information and customer reviews.

What is Figo Pet Insurance?

Figo Pet Insurance is a Chicago-based company that was founded in 2012 and launched in 2015.

It offers one accident and illness plan with three annual coverage limits to choose from $5,000, $10,000, or unlimited.

Figo also offers optional add-ons for wellness, exam fees, and special circumstances such as lost pet rewards, vacation cancellation, and pet theft.

It has a useful app called the Figo Pet Cloud, which helps you manage your pet’s health, chat with a vet 24/7, view medical records, and file claims.

Figo partners with Costco and Costco members may be eligible for a discount on their policy.

What does Figo Pet Insurance cover?

Figo Pet Insurance covers a wide range of accidents and illnesses, such as orthopaedic conditions, hip dysplasia, cancer, chronic conditions, surgeries, rehabilitation, prescription medications, and more.

It does not cover pre-existing conditions, cosmetic procedures, breeding costs, or preventive care (unless you purchase the wellness add-on).

Figo has a short 1-day waiting period for accident coverage, a 14-day waiting period for illness coverage, and a 6-month waiting period for orthopaedic problems (which can be waived with a vet’s certification).

How much does Figo Pet Insurance cost?

The cost of Figo Pet Insurance depends on several factors, such as your pet’s age, breed, location, and the plan options you choose.

You can customize your plan by selecting the annual coverage limit, the reimbursement percentage (70%, 80%, 90%, or 100%), and the annual deductible ($100, $250, $500, or $750).

According to Figo’s website, the average monthly premium for a dog is $48.85 and for a cat is $28.99.

You can get a free quote from Figo’s website or compare plans from different providers using

What are the pros and cons of Figo Pet Insurance?

Figo Pet Insurance has many advantages, such as:

  • Its waiting period for accident coverage is short.
  • It has a 100% reimbursement option.
  • It has a 24/7 pet telehealth line.
  • Its Routine wellness plans are available.
  • Special circumstances coverage is available.
  • The Figo Pet Cloud app.

Figo Pet Insurance also has some drawbacks, such as:

  • Coverage for vet exam fees has to be added on for an extra cost.
  • 6-month waiting period for orthopaedic problems (unless waived).
  • Only covers prescription food if you purchase the exam fees add-on.


Figo Pet Insurance is a legitimate and reputable company that offers comprehensive coverage for dogs and cats.

It has a variety of options for coverage, reimbursement, and deductible, which can help you work within your budget.

Figo also has a useful app and a 24/7 pet telehealth line, which can enhance your pet’s well-being.

However, Figo also has some limitations, such as the extra cost of exam fees and the long waiting period for orthopaedic problems.

Therefore, you should compare Figo with other pet insurance companies and choose the best plan for your pet’s needs.


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