Figo Pet Insurance Reviews: How It Stacks Up (2026)

Figo is a popular pet insurance company and recently claimed the top spot for the largest independent pet insurer in the U.S. The founder launched the company in 2015, and today, it’s based out of Chicago. It offers a wide range of customizable policies and coverage options to people living in all 50 states, Washington, D.C., and Puerto Rico.^[1]

Figo: Our verdict

How much does Figo pet insurance cost?

On average, Figo pet insurance costs $56 per month for dogs and $25 per month for cats.

The cost of pet insurance can vary widely, as insurers consider your location, your pet’s breed and age, your desired coverage limits, deductibles, reimbursement rate, and whether you want any add-ons.

Take a look at the tables below to see how different factors may affect your rate.

Cost of Figo pet insurance by breed

Your pet’s breed plays a big role in how much you’ll pay for insurance. Purebred pets are the most expensive since they have a higher likelihood of developing hereditary problems as they age. Mixed breeds are typically the cheapest to insure because they have a lower likelihood of developing genetic health problems.

The table below highlights the average cost of Figo insurance for the top dog and cat breeds.

Cost of Figo pet insurance by age

As your pet ages, it’ll likely develop more health problems and need more trips to the vet. Insurers anticipate the increase in payouts by increasing your rates.

The table below shows how Figo’s rates fluctuate based on the age of your pet.

Pet Age	Average Monthly Cost: Dog	Average Monthly Cost: Cat
Less than 1 year old	$52	$20
1–7 years old	$57	$27
7+ years old	$130	$59

Figo pet insurance plans and coverages

Most pet insurance companies offer several plans to choose from, but Figo goes above and beyond with a wider range of choices. No matter which Figo pet insurance policy you choose, it’ll cover the same items but at different rates.

Figo pet insurance plans typically cover the following items as long as they’re not a pre-existing condition, which the company generally determines at the time you submit a claim:

• Cancer treatment

• Prescription medications

• Diagnostic imaging and tests

• Non-routine dental procedures

• Chronic conditions like arthritis

• Alternative and holistic treatments

• Accidents, illnesses, and surgeries

• Euthanasia

• Rehabilitation and mobility equipment

• Congenital conditions like heart defects

• Orthopedic conditions like hip dysplasia

Popular

Figo’s most popular plan offers middle-of-the-road vet bill coverage for most pet owners. Below are the coverage amounts for the most popular plan.

• Deductible: $250

• Reimbursement rate: 80%

• Annual coverage: $10,000

Higher Coverage

If money is no object and you want to ensure you can handle any future issue, even if your pet needs an extra-expensive procedure like cancer treatment, consider the Higher Coverage plan. It features more generous coverage.

• Deductible: $500

• Reimbursement rate: 90%

• Annual coverage: Unlimited

Value Plus

If you want to ensure your pet is covered but still want to save some money on premiums, the Value Plus plan is a good option.

• Deductible: $500

• Reimbursement rate: 70%

• Annual coverage: $10,000

Custom plan

If none of the above pique your interest, you can create a customized plan during the quote process with the following features.

• Annual coverage: $5,000, $10,000, or unlimited

• Deductible: $100, $250, $500, or $750

• Reimbursement: 70%, 80%, 90%, or 100% (not available with every pet)

Power-ups

If you’re willing to pay an additional cost, you can also get extra features and wellness coverage for your pet’s needs.

• Vet exam fees: This reimburses you for exam fees, which most vets charge but aren’t covered under Figo’s accident and illness plans outlined above.

• Wellness: This reimburses you a set dollar amount to help cover your pet’s healthcare costs for wellness exams and preventative care. For example, Figo will reimburse you up to $75 toward a spay or neuter surgery.

What Figo doesn’t cover

Pet insurance companies don’t typically cover pre-existing conditions, and Figo is no exception.^[7] Figo also doesn’t cover any exam fees charged by a licensed vet, nor the cost of routine care unless you purchase “power-ups,” Figo’s version of an endorsement or policy rider.

Figo also won’t cover costs related to these items:

• Cloning

• Parasites

• Pregnancy/birth

• Prescription food

• Cosmetic surgery

• Experimental procedures

Figo pet insurance vs. competitors

Figo is a big player in the pet insurance industry. Take a look at the table below to see how Figo compares to some of its competitors.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–100%	Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90%	Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90%	Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90%	Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90%
Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited	Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited	Payout limits The maximum amount your provider will pay for covered events. $5,000–$30,000	Payout limits The maximum amount your provider will pay for covered events. $5,000–$15,000	Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750	Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$500	Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000	Deductibles The amount you must pay towards a covered event before your coverage kicks in. $300–$700	Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000
Curable pre-existing conditions Pre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. Covered	Curable pre-existing conditions Pre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. Covered	Curable pre-existing conditions Pre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. Covered	Curable pre-existing conditions Pre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. Covered	Curable pre-existing conditions Pre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. Covered

Data in this table has been sourced from Insurify users who received a pet insurance quote from our partner Fletch.

Is Figo pet insurance worth it?

Buying pet insurance can ensure you can help your furry family members when they need it. Figo is one of the best options to dial in your coverage beyond what most insurers offer.

However, you should request a transparency report when you sign up for coverage, which requires submitting your pet’s records from the past year (if available). Figo will review these records and let you know ahead of time what it considers a pre-existing condition, the most frequent customer complaint.

If you’re unhappy with the report, you can request a full refund within 30 days if you haven’t already filed a claim. Unfortunately, this may not help existing customers, but these two simple steps will help new customers ensure their pets get the best care possible.

Figo pet insurance FAQs