from$17/mo
Best for: Tech-friendly owners who want next-day accident coverage and the option of 100% reimbursement.
Insurer review
Figo Pet Insurance review
Best for: Tech-friendly owners who want next-day accident coverage and the option of 100% reimbursement.
Coverage terms at a glance
| Annual limits | $5,000, $10,000, or Unlimited |
|---|---|
| Reimbursement | 70%, 80%, 90%, or 100% |
| Deductible | $100 – $1,500 annual |
| Waiting periods | 1 day accidents, 14 days illnesses, 6 months orthopedic conditions (waivable with a vet exam) |
Highlights
- Industry-rare 100% reimbursement option
- Pet Cloud app with 24/7 live vet chat included
- 1-day accident waiting period — among the shortest available
Pros and cons
Pros
- Up to 100% reimbursement available
- Next-day accident coverage
- Unlimited annual limit option
- Strong app with telehealth chat and document storage
Cons
- Exam fees and wellness cost extra via Powerups add-ons
- 6-month orthopedic waiting period unless waived by exam
- Premiums for the 100% reimbursement tier are high
- Not available in every state at every coverage tier
Get a quote
Figo Pet Insurance FAQ
How much does Figo Pet Insurance cost per month?
Plans start around $17 per month for young, healthy dogs on basic configurations. Your actual quote depends on breed, age, location, deductible, and reimbursement level.
What are Figo Pet Insurance's waiting periods?
1 day accidents, 14 days illnesses, 6 months orthopedic conditions (waivable with a vet exam)
What reimbursement does Figo Pet Insurance offer?
Figo Pet Insurance offers reimbursement options of 70%, 80%, 90%, or 100%, with annual limits of $5,000, $10,000, or Unlimited and deductible options of $100 – $1,500 annual.