Figo Pet Insurance 2025: Full Review of Coverage, Pros & Cons

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At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in the market every year to offer you a trustworthy and unbiased analysis. Because of this rigorous process, hundreds of thousands of Americans trust us each month to help them make the best financial decisions for their families.

The Guarantees of Figo

Figo offers three highly customizable plans for dog and cat owners, allowing pet parents to choose reimbursement rates (up to 100%), annual limits (from $5,000 to unlimited), and annual deductibles (as low as $100), making it one of the most flexible solutions on the market.
The base plans include coverage for accidents and illnesses, including genetic and chronic conditions, diagnostic testing, medications, surgeries, emergency care, and dental injuries—while key add-ons enable policyholders to also cover exam fees, wellness/preventive care, rehabilitation, behavioral, and alternative treatments.
Standout features include the diminishing deductible for claim-free years, 24/7 live vet chat, fast digital reimbursements, and the ability to cover some curable pre-existing conditions after 12 months without symptoms.

However, Figo’s core policies do not automatically cover vet exam fees, preventive care, or rehab/alternative care—these must be purchased as add-ons—and exclusions are strictly applied for pre-existing conditions, elective procedures, breeding, grooming, and non-vet-prescribed supplements or diets.

Premiums can rise at renewal regardless of claim activity, and policyholders are responsible for maintaining up-to-date vaccination and preventive care to avoid denied claims due to avoidable disease.

Figo Pet Insurance - Key Features and Considerations

Figo’s diminishing deductible reduces by $50 each year you don’t file a claim, down to $0.

Exam fee and wellness coverage are not included by default—they require separate Powerups.

No upper age limit for coverage renewal; initial enrollment for older pets may be subject to restrictions.

To ensure full dental coverage, annual dental exams and recommended care must be documented.

Policy changes (increasing coverage or adding powerups) are only allowed at annual renewal.

Compare Figo’s customizable plan options to find the best value for your pet’s health needs and budget.

Figo Exclusions

Figo applies a wide range of exclusions, the most significant being its strict definition and exclusion of pre-existing conditions, which includes any incident, illness, or symptom apparent before enrollment or during waiting periods.
Also notable are exclusions for costs due to lack of compliance with required preventive care—if recommended vaccinations, dental cleanings, or parasite treatments are not performed, related illness or disease claims will be denied.

Standard plans exclude consultations, annual exams, wellness/preventive care, alternative therapies, rehabilitation, and behavioral treatments unless specific add-ons are purchased.
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Other important exclusions include elective and cosmetic procedures, costs associated with breeding, genetic testing, non-prescribed supplements or foods, and any injury or illness resulting from neglect, abuse, or failure to provide care.

Policyholders should pay close attention to exclusions linked to omissions in preventive care and the broad application of the pre-existing condition clause.

Figo Prices

Figo is positioned as a competitive, mid-range pet insurer that balances broad, customizable coverage with transparent pricing.
As a digital-first provider, Figo leverages streamlined online services and claims processing, which helps minimize administrative costs and often leads to more attractive monthly premiums compared to traditional insurers.

Plans allow for flexible reimbursement rates (up to 100%) and deductibles, but premiums increase with higher coverage selections or with add-ons for wellness and exam fees.
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Overall, when compared to other national providers, Figo stands out for making high reimbursement and no-annual-cap options accessible, with pricing that remains competitive for most dogs and cats but may be higher if you choose maximum benefits. It remains best suited for pet owners seeking strong value for money and a hassle-free digital experience, especially if customization is a priority.

Compare Figo’s plan levels to find the best-priced coverage for your pet’s needs.

Figo Promo Codes

Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.

Reimbursement details with Figo

With Figo’s Ultimate plan, you pay a single annual deductible and then receive up to 100% back (less deductible and copay) on approved, non-preventive vet bills—so you know in advance exactly how much your out-of-pocket expenses will be at the vet.

Emergency surgery reimbursement example

Emergency surgery for foreign body ingestion Total vet costs: $2,700 (surgery, diagnostics, 2 days hospitalization) Deductible to subtract: $250 (only paid once per year) Amount eligible after deductible: $2,700 – $250 = $2,450 Reimbursed at 100% with Ultimate plan: $2,450 × 100% = $2,450 👉 You get $2,450 reimbursed; your out-of-pocket cost is just the $250 deductible. ℹ️ Since the deductible is already paid, subsequent claims this year have no further deductible.

Reimbursement Example: Lymphoma Treatment

Chemotherapy and prescription medications for lymphoma Total vet costs: $5,000 (diagnostics, multiple treatments, medication) Deductible to subtract: $0 (already paid earlier this year) Amount reimbursed at 100%: $5,000 × 100% = $5,000 👉 You receive a reimbursement of $5,000; you pay $0 beyond premiums and the deductible already met. ℹ️ The Ultimate plan’s no annual limit ensures full coverage for ongoing treatments once the deductible is satisfied.

Wellness Package Reimbursement Example

Preventive care annual package (Ultimate plan + Wellness Rider)

Total annual cost for wellness care: $400 (routine exam, core vaccines, heartworm test, teeth cleaning)

Wellness reimbursement cap (Ultimate plan, highest-tier Wellness Rider): $250 per year

Deductible: $0 (wellness reimbursements do not require meeting the annual deductible)

Amount reimbursed: up to $250 annually

👉 You receive $250; your remaining out-of-pocket is $150 for preventive care.

ℹ️ The wellness benefit applies per policy year and covers a variety of routine services up to the plan cap.

Figo Assistance

Customer Reviews of Figo

We analyzed reviews from the sites listed above. On the positive side, customers who subscribed to Figo for their pets often mention:

• An easy and fast claims process, with many reporting reimbursements within days and a transparent breakdown of payments.
• Helpful, accessible, and courteous customer service, often described as supportive and responsive.
• A mobile app and digital portal that simplify policy management and claims submission.
• A sense of financial peace of mind in the event of pet emergencies or significant vet expenses.

On the negative side:

• A high number of complaints about denied claims for “pre-existing conditions,” sometimes seen as arbitrary or unexpected.
• Frustration with repeated requests for veterinary records and supporting documents, especially during policy updates or address changes.
• Reports of significant, sudden premium increases, particularly after claims or at policy renewal, often without warning.
• Confusing communication regarding coverage details, with some policyholders finding explanations lacking or inconsistent.
• Dissatisfaction with policy cancellations or missed payments not always being managed promptly or transparently.

Contacting Figo: A Comprehensive Guide

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Jordan Mitchell

Personal finance editor

Jordan is a U.S.-based personal finance editor with over a decade of experience in financial literacy and consumer advocacy. He holds a BA in Economics from the University of California, Berkeley, and a CFP® certification. Before joining HelloSafe, Jordan worked as a financial advisor and later as lead content strategist at several fintech startups. His mission: making money management clear, relatable, and empowering for everyday Americans. At HelloSafe, he writes in-depth guides on topics like insurance, credit, loans, savings, and budgeting—focused on helping readers make smart, confident financial choices.