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Figo Pet Insurance

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Founded in 2013, FIGO PET INSURANCE, LLC* (FIGO) is the newest addition to America's pet insurance market. FIGO offers one of the best major medical pet insurance plans in the U.S. with three levels of coverage including a 100% reimbursement option. In addition to excellent, straightforward health insurance coverage, the FIGO PetCloud® gives pet owners easy access to vets and medical records. Policyholders can use an app to submit claims and track expenses.

Average Price
A.M. Best Rating NA
BBB Rating A+
Customer Satisfaction ★★★★ (4.2)
Total Reviews 582 reviews
Deductible $50 - 500
Reimbursement 70 - 100%
Annual Limit $10k - Unlimited
Waiting Period for Accidents 5 days
Waiting Period for Illnesses 14 days
Waiting Period for Orthopedic Coverage 6 mos. for knees
Emergency Care
Cancer Coverage
Orthopedic Issues
Hereditary Conditions
Chronic Conditions
Prescription Meds
Dental - Accidents
Cancer Coverage
Wellness Coverage X
Vet Restrictions None

Note: Pet insurance does not cover pre-existing conditions




FIGO offers three different plans with varying levels of coverage:

  • Essential: $10,000 annual claims limit for accidents and illnesses
  • Preferred: $14,000 annual claims limit for accidents and illnesses plus emergency boarding fees, lost pet advertising and reward and lost pet reimbursement due to theft or straying
  • Ultimate: No annual claims limit plus emergency boarding fees, lost pet advertising and reward, lost reimbursement pet due to theft or straying, emergency vacation cancellation and unexpected death of pet reimbursement



Coverage Highlights

  • Full coverage for accidents & illnesses (including hereditary conditions)
  • Veterinary exam fees are covered
  • Paperless claims from any device
  • Up to 100% reimbursement
  • Option for unlimited coverage

Coverage Details

Here is a quick overview of policy details to give you an idea of what to expect when building your custom quote.

Deductible Type Annual
Deductible Options $50 - $500
Reimbursement Options 70 - 100%
Hereditary Disorders No restrictions
Minimum Age for Enrollment 6 weeks
Maximum Age for Enrollment No limit
Waiting Period Injuries 5 days
Waiting Period Illnesses 14 days
Knee Issues 6 months
Policy Exclusions Listed Below


  • Six month waiting period for knee related issues but a waiver is offered if your pet gets a clean bill of health from an exam within 30 days after enrollment, no additional waiting period for hip dysplasia
  • Enrollment Conditions - Your Pet must have been examined by a Veterinarian in the twelve (12) months prior to enrollment, otherwise the first exam after enrollment will determine if there are any pre-existing conditions




FIGO is very competitive with regard to pricing but they do charge a one-time $9 enrollment fee. Here is a sample of dog insurance costs.

Top 10 Dog Breeds Cost
Mixed Breed Dog $31/mo.
Labrador Retriever $35/mo.
Yorkshire Terrier $34/mo.
Golden Retriever $40/mo.
Dachshund $44/mo.
Chihuahua $42/mo.
German Shepherd $43/mo.
Shih Tzu $35/mo.
Boxer $49/mo.
English Bulldog $47/mo.
Average for All Dogs $35/mo.

* Accident & illness coverage for a three year-old, mixed breed dog

And if you're more of a cat person here is a sample of cat insurance costs for the top 10 most popular cat breeds in America.

Top 10 Cat Breeds Cost
Mixed Breed Cat $24/mo.
Domestic Shorthair $26/mo.
American Shorthair $26/mo.
Siamese $29/mo.
Maine Coon $31/mo.
Persian $32/mo.
Ragdoll $25/mo.
Bengal $27/mo.
Russian Blue $32/mo.
Himalayan $31/mo.
Average for All Cats $24/mo.

* Accident & illness coverage for a three year-old, mixed breed cat


FIGO is one of the highest rated pet insurance providers in the U.S.

Source Avg.
Google 3.6
Facebook -
Yelp 3.5
Trustpilot 4.5
Shopper Approved -
Pet Insurance Review 4.6
Consumers Advocate 4.5
Consumers Affairs 1.6
Provider Reviews -
Total 4.3

Related Content: Pet Insurance Reviews




FIGO was founded in 2013 in Chicago's Technology Incubator.

Markel American Insurance Company
Chicago, Illinois
5-30 days depending on complexity
Any licensed U.S. veterinarian
Mon - Fri: 8:00am - 7:00pm CST, Sat: 8:00am - 6:00pm CST
30 days


Policy Exclusions

  • Cosmetic Surgery - Your pet is beautiful just as they are. No need to try and improve!
  • Experimental Procedures - Taking risks on your pet's health is not something that we recommend. Our policy does not cover the risk of experimental procedures.
  • Obedience or Training Classes and Devices - If your pet can sit, shake and roll over, congratulations, that is quite a feat! It's really something to be proud of; something that you and your pet accomplished together.
  • Unfortunately, obedience or training classes and devices are not something that this accident and illness policy covers.
  • Grooming - The up-keep of your pet's exterior is important to their quality of life and their self-confidence - keep them selfie-ready!
  • Chemical, Biological or Nuclear…bad events - Let’s hope that none of these this happens... but if they really were to occur, we have bigger problems. It is standard insurance practice not to cover these events.
  • War, Invasion, Revolt or Quarantine - Let’s hope that none of these this happens... but if they really were to occur, we have bigger problems. It is standard insurance practice not to cover these events.
  • Racing, Coursing or Organized Fighting - It would be great if racing, coursing or organized fighting never happen - those poor pets! However it does, and it is something that is strictly excluded from our policies. If you are using your pet for these activities, we are not the provider for you.
  • Failure to Adhere to Veterinarian’s Preventative & Treatment Advice - It's important to listen to the experts- especially in the care and keeping of your pet.
  • Cloned Pets or Cloning Procedures - Sorry, we don't cover your quest to duplicate your beloved pet. Create your pet’s “mini-me" at your own risk. Just remember that each pet has a unique soul, so duplicating the exterior does not duplicate what makes your pet so wonderfully unique on the inside.
  • Anything not administered by a Veterinarian - You wouldn't want someone other than a licensed professional to take care of you - same goes for your pet!
  • Breeding, Pregnancy, or Giving Birth - Our policy does not provide coverage for maternity, breeding, pregnancy, whelping or nursing; however, we may provide coverage due to complications that arise after the waiting period.
  • Eating Poop or Other Eating Disorders - These pets will eat it all; however, the ingestion of poop is not something that is covered on our policy. And it is certainly not recommended. Other than being gross, it can cause severe health problems for your pet.
  • Pets less than 6 weeks old - They are oh so cute, but not yet mature enough for our policy.
  • Inhumane Treatments - We know you would never do this, so it isn't even worth discussing.
  • Neglect or Abuse - We know you would never do this, so it isn't even worth discussing.
  • Spaying or Neutering - Sorry, we do not cover this procedure but unless you have plans for your pet to breed, we highly recommend getting it done to avoid future health problems (many of which we exclude from our policy if you fail to spay or neuter).
  • Routine or Preventative Care - While routine or preventative care is critical to your pet's future health and happiness, it is not something covered on our policy.
  • Elective Surgeries - We provide coverage for the surgeries that your veterinarian recommends for treatment of accidents and injuries. Elective surgeries are not covered.
  • Pre-existing Conditions - Any condition that shows clinical signs prior to the start of your policy period (and relevant waiting periods), will not be covered.


Notes & Disclaimers

d/b/a FIGO PET INSURANCE AGENCY, LLC in California. Availability of this program is subject to each state’s approval. Terms and conditions of coverage may vary by state.

FIGO Pet Insurance® and the FIGO PetCloud® are registered trademarks of FIGO Pet Insurance, LLC and in California FIGO Pet Insurance Agency LLC.

We are not an appointed producer and cannot sell, solicit or negotiate this product.


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