reimbursement70%, 80%, 90%, or 100%
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
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Related reading
Figo Pet Insurance FAQ
How much does Figo Pet Insurance cost per month?
We don't publish a price for Figo Pet Insurance, because there isn't one — premiums are filed by ZIP code and priced on your dog's age, breed, and medical history, plus the deductible and reimbursement you choose. Figo Pet Insurance is rated here on its published coverage terms, not on price. For the industry baseline to compare a quote against, see our US pet insurance cost page, and request a quote directly for your own dog.
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.