Overview
Figo's pitch is digital-native pet insurance: everything happens in their Pet Cloud app, including claims, vet finder, pet record storage, and a community feed. They offer three plan tiers with annual maxes of $10,000, $14,000, or unlimited.
Coverage includes hereditary conditions, dental illness (after 14-day waiting period), behavioral, alternative therapies, and rehab. Their power-up add-ons let you include exam fees and wellness separately for additional premium. Reimbursement up to 100% (unusual — most cap at 90%).
Figo is smaller than the giants on this list — they don't have the brand recognition of ASPCA or the customer base of Trupanion. The app experience is excellent. Pricing tends to land in the mid-range; sometimes they're the cheapest quote, sometimes not.
Tech-comfortable owners who want unlimited coverage and a strong mobile app.
✓ Strengths
- →100% reimbursement option (rare)
- →Shortest accident waiting period in market (1 day)
- →Polished Pet Cloud app
- →Unlimited annual max available
- →Add-on system lets you add only what you need
⚠ Drawbacks
- →Smaller customer base than major brands
- →Orthopedic waiting period is 6 months
- →Power-up add-ons can stack up — quote with everything you'll need
- →Customer service is app-first; limited phone support
Pricing on Long Island
Power-up add-ons (exam fees, wellness): +$5-$30/month each
Plan structure
What's covered
Our take
Skip Figo Pet Insurance if: Owners who prefer phone-based customer service, those who don't want to manage policies via app.
Pick Figo Pet Insurance if: Owners who want 100% reimbursement of vet bills, those who like polished app experiences.
Fine print to know
- 100% reimbursement still requires meeting deductible first.
- Power-ups can't be added mid-policy — pick them at enrollment.
- App-first means policy changes require the app or web portal.
Get a real quote for your pet
Pricing varies by breed, age, and ZIP. Always quote on the carrier's own site.
Visit Figo Pet Insurance →We don't take commissions from insurers. This is an independent review.