I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Written by Chris Huntley
Founder of Huntley Wealth & Insurance Services Chris Huntley

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Apr 18, 2022

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Founded in 2012, Figo is one of the industry’s newest pet insurers, and has a very tech-focused approach that fits with its beginnings at the Chicago technology facility 1871.

Still based in the Windy City, the company is now a national provider that uses a cloud-based platform to let policyholders easily manage all medical records and relevant information.

Figo also boasts quite generous coverage, optional unlimited benefits and full reimbursement, and three consecutive “Best Pet Insurance” awards from Reviews.com.

Figo Pet Insurance Policies

figo pet insurance

Although Figo does not insure birds or exotic animals as some other pet insurance providers do, the company does distinguish itself with notably comprehensive coverage for dogs and cats, offering a standard plan that covers items many competitors’ high-level plans don’t.

Figo offers optional unlimited coverage, that will waive payments if the animal is receiving life-saving care, and is perhaps the only company to offer a 100 percent reimbursement option, though this is of course tied to the highest premium.

Figo’s three flexible plans allow policyholders to customize the reimbursement percentage and annual deductible.

Industry-exclusive Healthy Pet Deductible also reduces your annual deductible $50 each year that you don’t receive a claim payment, and is included at no additional cost on every pet insurance policy.

And though no pet insurance company covers pre-existing conditions, Figo is different. They will determine whether or not the pre-existing condition is curable, and will cover the curable conditions after 12 months of being symptom and treatment free.

Essential Pet Insurance

The most affordable and rudimentary plan still covers quite a bit, including:

  • Surgeries
  • Prescription Medications
  • Cancer Treatments
  • Chronic Conditions
  • Diagnostic Testing
  • Hip Dysplasia
  • Euthanasia
  • BehavioralProblems
  • Prosthetics…and more

The Essential plan also comes with an annual payout limit of $10,000.


Preferred Pet Insurance

The Preferred plan builds on the Essential plan by also covering:

  • Emergency Boarding Fees
  • Lost Pet Advertising and Reward
  • Lost Pet due to Theft or Straying

The most popular Figo option, this plan also has a higher annual payout of $14,000.


Ultimate Pet Insurance

The most comprehensive coverage has everything offered by the Essential plan, as well as:

  • Coverage for Emergency Vacation Cancellation
  • Death From Covered Illness or Injury

The Ultimate plan also has unlimited payouts.

Figo Pet Insurance offers an almost unheard of option of 100% reimbursement. They also offer more flexibility with pre existing conditions.

figo pet insurance

4 out of 5

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Figo Pet Insurance Quotes and Application Process

For a free online quote for a dog or cat, potential policyholders should go to Figo’s website and enter some information regarding their pet’s name, species, sex, age, and breed. You’ll also be asked to include your zip code and email address, as well as any promo code.

After submitting that info, you will be taken to a page where you can see monthly premium quotes for three different plans: essential, preferred, and ultimate.

At this stage, you can also customize the following:

  • Reimbursement Amount: 70%, 80%, 90%, or an almost unheard of 100%
  • Deductible: $750, $500, $250, or $100

You also have the option of adding veterinary exam fees to your policy. In addition to choosing your pet insurance policy type, you will also be prompted at this stage of the application to answer whether you are an active or retired military member and whether your pet is spayed or neutered, has had an exam in the last 12 months, or is a service animal.

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Figo Pet Insurance Discount

Insurance companies are fond of sweetening the pot with various discounts. That’s especially true of Insurers that provide more than one type of insurance, and will typically offer bundling discounts to customers who bundle two or more types of coverage, such as home and auto.

Figo only sells pet insurance, so there’s no opportunity to combine your pet’s policy with your car or property. However, the company does offer savings to policyholders who enroll multiple pets, along with a few other discounts.

Though available pet insurance discounts can vary by state and are subject to a maximum percent discount, according to Figo’s website, the following discounts are generally available:

  • Animal Shelter/Humane Society
  • Corporate Group Benefit Plan
  • Internet Partner
  • Medical Services Pet
  • Multiple Pet
  • Strategic Partner
  • Veterans & Serving Military
  • Veterinary Clinic Staff & Students
  • Annual (Full) Premium Payment

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Figo Pet Insurance Reviews and Customer Service

Despite its young age, Figo has established itself as a force to be reckoned with in the pet insurance industry, being rated “Best Pet Insurance” by Reviews.com in 2017, 2018, and 2019.

Figo has been accredited by the Better Business Bureau since 2016, and currently boasts a solid B+ rating from the BBB. The insurer has an average of just one and a half stars out of five from BBB customer reviews, but that average is based on just 17 reviews.

Figo Phone Number & Contact Information