Figo Pet Insurance Review (2026): Is It Worth It?
Quick Verdict: 8.2/10 — App-forward pet insurance with cloud-based claims and 100% reimbursement option—excellent tech experience.
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Overview
Founded: 2013 | Parent Company: Figo Pet Insurance (private) | Price Range: ~$35–$75/month (dog)
Figo Pet Insurance was founded in 2013 and differentiates on technology and customer experience. Their Pet Cloud app provides digital claim submission, vet chat, and digital insurance card. Figo is one of the few providers offering 100% reimbursement with $0 deductible for an unlimited annual limit (premium option). Underwritten by Independence American Insurance.
Coverage Details
| Coverage Item | Details |
|---|---|
| Accidents | Yes |
| Illnesses | Yes |
| Hereditary/Congenital | Yes |
| Cancer | Yes |
| Exam Fees | Yes (included) |
| Dental Illness | No |
| Annual Limit | $5K, $10K, or Unlimited |
| Reimbursement Rate | 70%, 80%, 90%, or 100% |
| Deductible | $100, $250, or $500 annual |
Pricing
| Pet Profile | Estimated Monthly Cost |
|---|---|
| Dog, 2 years, 90% reimbursement | ~$35–$55/month |
| Dog, 5 years, 90% reimbursement | ~$50–$70/month |
| Cat, 2 years | ~$15–$25/month |
| Dog with 100% reimbursement/unlimited | ~$70–$100/month |
Pros
- 100% reimbursement option (rare)
- Pet Cloud app with vet chat included
- Exam fees included in coverage
- Unlimited annual limit available
- Digital insurance card
Cons
- No dental illness coverage
- 100% reimbursement plans are expensive
- Less brand recognition than Trupanion or Embrace
Best For
Tech-forward owners who want app-based claims, 100% reimbursement option, and exam fees included without paying for dental illness they may not need.
Alternatives
- [Lemonade vs Trupanion](/compare/lemonade-vs-trupanion)
- [Healthy Paws vs Trupanion](/compare/healthy-paws-vs-trupanion)
FAQ
Is Figo pet insurance legit?
Yes—underwritten by Independence American Insurance Company and licensed across the US.
What is 100% reimbursement?
You pay $0 out of pocket (after deductible) for covered claims. Most insurers max at 90%. Figo’s 100% option is rare and comes at a higher premium.
Does Figo cover exam fees?
Yes—unlike most insurers that require an add-on for exam fees, Figo includes them in standard coverage.
How fast does Figo process claims?
Figo processes claims digitally through the Pet Cloud app, typically within 3–7 business days.
Can I get Figo without the app?
You can use web-based claims, but Figo is optimized for app users.
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