Figo Pet Insurance

Figo offers customizable coverage built for millennial pet parents. Pick from one of their three comprehensive plans, then add powerups like Wellness, Veterinary Exam Fee Coverage, or the Extra Care Pack. They’re the only pet insurance company to offer up to 100% reimbursement, so big vet bills won’t break the bank.

Figo customers have exclusive access to the Figo Pet Cloud app, including features like a 24/7 Virtual Vet and easy mobile claim filing. No pet insurance company covers pre-existing conditions, but Figo is the only one who will help you identify those conditions at the start of your policy. If you don’t think you’ll get value out of pet insurance after your initial review, just cancel within 30 days of signing up to get your money back.

Coverage Offered




What is Covered

This is a general overview of types of coverage and plans offered by this company. Specific details or exclusions may apply by state, pet age or other factors. Please read your terms and conditions or contact this company for details.

Coverage Levels

$100 - $1,500
60%, 65%, 70%, 80%, 90%, 100%
$5,000 - Unlimited

Popular Coverages

Non-routine procedures if no prior history of periodontal disease and owner follows vet's recommendations as far as dental care and has annual dental exam. Routine services are covered if wellness option is selected at purchase

Good to Know

  • 5% Multiple Pet
  • Military & Veteran
  • Electronic Deposit
  • Check
Any Licensed in World
Dogs and Cats
  • Annual Deductibles
  • Diminishing Deductible
  • 100% Reimbursement Coverage
  • Prescription Coverage
  • Congenital/Hereditary Condition Coverage
  • No Per Incident Cap
  • No Upper Age Limit
  • Pet Cloud App
  • 24/7 Live Vet
  • Copay & deductible waived for emergency life-saving treatment (in the case of an accident, not illness)

Enrollment Requirements

8 Weeks

Waiting Periods

1 day
14 days
There is a 6 month waiting period for both hip dysplasia and orthopedic conditions. Both have the ability to be waived if exam/waiver form is completed by a veterinarian within first 30 days of policy period and no pre-existing issues.


Independence American Insurance Company (AM Best A-)
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