Figo Pet Insurance Review (2025)
Figo is one of the most modern pet insurers, offering a fully digital experience with its Pet Cloud app. Known for customizable plans and 24/7 live vet chat, Figo appeals to tech-savvy pet parents who want flexibility and convenience. Here’s everything you need to know before signing up in 2025.
Provider Overview
About Figo
Founded in 2013 in Chicago, Figo has quickly become one of the fastest-growing U.S. pet insurance providers. Its standout feature is the Pet Cloud app, which not only handles claims but also connects owners with 24/7 virtual vet support, digital medical records, and reminders for vaccines or checkups.
Figo is especially popular among younger pet parents who want flexible, customizable plans and a tech-forward experience.
At A Glance
Founded: 2013
Pets Covered: Dogs & Cats
Reputation: 4.5/5 average rating across 15k+ reviews
Best For: Flexible Reimbursement
Key Features at a Glance
Not all pet insurance policies are created equal — comparing helps you find the right coverage at the right price.
Accidents, illnesses, hereditary and congenital conditions, chronic conditions
70%, 80%, 90%, or even 100% (rare in industry)
$100–$750 annual options
$5,000 up to Unlimited (customizable)
$5,000 up to Unlimited (customizable)
24/7 live vet chat, lost pet finder, cloud-based pet health records
Figo was named one of the Best Pet Insurance Companies for Tech-Savvy Owners by NerdWallet in 2024.
Coverage & Benefits
Figo is designed to cover major medical expenses that can otherwise overwhelm pet parents financially.
What’s Covered by Figo:
- Accidents & illnesses
- Hereditary and congenital conditions (e.g., hip dysplasia, epilepsy)
- Diagnostic testing (X-rays, ultrasounds, MRIs, lab work)
- Surgeries and hospitalizations
- Prescription medications
- Cancer treatments
- Alternative therapies (acupuncture, rehab, chiropractic)
What’s Not Covered:
- Pre-existing conditions
- Preventive care (vaccines, flea/tick, dental cleanings) unless purchased as add-ons
- Breeding or pregnancy-related care
- Cosmetic procedures
Pricing & Value
Figo premiums vary depending on pet details, but it is often cheaper than Trupanion and more flexible than Healthy Paws.
|
Pet Type |
Age |
Monthly Premium (Estimate) |
Reimbursement |
Deductible |
|---|---|---|---|---|
|
Golden Retriever (dog) |
2 years |
$48/month |
80% |
$250 |
|
French Bulldog (dog) |
5 years |
$55/month |
80% |
$250 |
|
Domestic Shorthair (cat) |
3 years |
$25/month |
80% |
$250 |
Unique Pricing Feature: Figo offers 100% reimbursement option (with higher premiums), one of the few companies in the industry to do so.
Pros & Cons
Pros:
- ✅ Highly customizable plans (limits, deductibles, reimbursement)
- ✅ Option for 100% reimbursement
- ✅ Pet Cloud app with 24/7 vet chat and medical records
- ✅ Fast digital claims processing
- ✅ Lower premiums for younger pets
Cons:
- ❌ Preventive/wellness care not included unless purchased as add-ons
- ❌ Annual limits can apply unless you choose Unlimited
- ❌ Premiums rise sharply as pets age
- ❌ May not be the cheapest option for senior pets
Who Is Figo Best For?
Figo is perfect for pet parents who:
- Want maximum customization of their plan (budget vs unlimited coverage)
- Value tech-driven features like mobile claims, reminders, and digital vet chat
- Have younger pets (lower premiums, longer-term value)
- Don’t mind paying slightly more for the option of 100% reimbursement
Curious how Figo stacks up against Healthy Paws, Trupanion, and ASPCA?
FAQs About Healthy Paws Pet Insurance
Get Modern Coverage With Figo
Figo blends affordability, customization, and technology — with options for unlimited coverage and 100% reimbursement. If you want a digital-first pet insurance provider, Figo is one of the best choices in 2025.