Figo’s pet insurance earns a 3.8 out of 5 score for cats and 3.6 for dogs in MoneyGeek’s analysis. The company performs well in affordability but ranks seventh for customer experience. Several competitors provide stronger service. Figo also has a one-day waiting period for accidents, which is shorter than most other insurers.
Figo Pet Insurance Review
Updated: December 5, 2025
Advertising & Editorial Disclosure
Figo Pet Insurance Review: Key Takeaways
Figo ranks fifth in affordability for cat insurance at $25 monthly and eighth for dog insurance at $52 monthly.
Figo ranks seventh nationally for customer experience with moderate Trustpilot ratings. Customers report mixed experiences with claim processing.
Figo ranks fifth nationwide for coverage. The company offers comprehensive accident and illness policies plus optional wellness riders for preventive care.
Figo Pet Insurance Ratings
Data filtered by:
Dog
| Affordability | 3.84 | 8 |
| Coverage | 3.45 | 5 |
| Customer Experience | 3.33 | 7 |
| Overall Score | 3.60 | 8 |
WHO IS FIGO PET INSURANCE BEST FOR?
Figo works best for pet owners who want unlimited coverage and 100% reimbursement. Figo covers hereditary conditions and behavioral treatments at no extra cost. Figo doesn't offer accident-only plans, so you'll need to look elsewhere if that's what you want.
Explore more pet insurance options:
Figo Pet Insurance Ratings by State
Figo operates in all 50 states and ranks third for cats in three states and fourth for dogs in two. For cat affordability, Figo places second in six states.
Figo doesn't rank first for the best pet insurance, but it delivers consistent midrange performance for both coverage and customer experience.
Data filtered by:
Overall Score
Dog
| Alabama | 3.50 | 8 |
| Alaska | 3.65 | 6 |
| Arizona | 3.70 | 7 |
| Arkansas | 3.80 | 5 |
| California | 3.55 | 9 |
| Colorado | 3.65 | 8 |
| Connecticut | 3.65 | 8 |
| Delaware | 3.60 | 8 |
| Florida | 3.45 | 8 |
| Georgia | 3.85 | 6 |
| Hawaii | 3.75 | 5 |
| Idaho | 3.70 | 8 |
| Illinois | 3.45 | 9 |
| Indiana | 3.65 | 8 |
| Iowa | 4.05 | 4 |
| Kansas | 3.70 | 8 |
| Kentucky | 3.75 | 8 |
| Louisiana | 3.65 | 7 |
| Maine | 3.05 | 10 |
| Maryland | 3.15 | 9 |
| Massachusetts | 3.65 | 9 |
| Michigan | 3.60 | 8 |
| Minnesota | 3.75 | 6 |
| Mississippi | 3.40 | 9 |
| Missouri | 3.75 | 8 |
| Montana | 3.55 | 8 |
| Nebraska | 3.90 | 5 |
| Nevada | 3.70 | 8 |
| New Hampshire | 3.75 | 7 |
| New Jersey | 3.85 | 4 |
| New Mexico | 3.80 | 6 |
| New York | 3.55 | 8 |
| North Carolina | 3.55 | 9 |
| North Dakota | 3.60 | 8 |
| Ohio | 3.55 | 8 |
| Oklahoma | 3.55 | 9 |
| Oregon | 3.60 | 9 |
| Pennsylvania | 3.40 | 9 |
| Rhode Island | 3.70 | 8 |
| South Carolina | 3.55 | 9 |
| South Dakota | 3.65 | 8 |
| Tennessee | 3.55 | 8 |
| Texas | 3.70 | 8 |
| Utah | 3.65 | 8 |
| Vermont | 3.75 | 5 |
| Virginia | 3.45 | 9 |
| Washington | 3.75 | 8 |
| West Virginia | 3.80 | 6 |
| Wisconsin | 3.70 | 8 |
| Wyoming | 3.85 | 6 |
Figo Pet Insurance Comparison
Compare Figo with other top pet insurance providers.
AKC | • Dogs: 3.60 vs. 4.30 • Cats: 3.80 vs. 3.85 | AKC offers better coverage and scores higher for dogs. Figo charges less for cats. |
ASPCA | • Dogs: 3.60 vs. 3.85 • Cats: 3.80 vs. 3.35 | ASPCA charges less for dogs, while Figo wins on cat pricing and coverage. |
Embrace | • Dogs: 3.60 vs. 2.55 • Cats: 3.80 vs. 2.30 | Figo beats Embrace across affordability, coverage and overall performance. |
Fetch | • Dogs: 3.60 vs. 2.70 • Cats: 3.80 vs. 2.95 | Fetch provides slightly better coverage. Figo charges less and ranks higher overall. |
Hartville | • Dogs: 3.60 vs. 3.50 • Cats: 3.80 vs. 3.90 | Hartville charges less for cats, but Figo delivers better coverage for both pets. |
Lemonade | • Dogs: 3.60 vs. 4.50 • Cats: 3.80 vs. 4.25 | Lemonade charges less for dogs and ranks higher. Figo wins on cat pricing. |
Liberty Mutual | • Dogs: 3.60 vs. 2.65 • Cats: 3.80 vs. 2.30 | Figo outperforms Liberty Mutual in affordability, coverage and customer service. |
• Dogs: 3.60 vs. 3.05 • Cats: 3.80 vs. 2.40 | Figo provides better coverage and customer experience. MetLife falls short across categories. | |
Nationwide | • Dogs: 3.60 vs. 2.50 • Cats: 3.80 vs. 2.65 | Figo charges less and provides better coverage than Nationwide. |
Pets Best | • Dogs: 3.60 vs. 4.05 • Cats: 3.80 vs. 3.80 | Pets Best charges less for dogs with stronger coverage. Figo charges less for cats. |
Pumpkin | • Dogs: 3.60 vs. 3.70 • Cats: 3.80 vs. 4.15 | Pumpkin charges less and ranks higher overall, though Figo offers better coverage. |
Rainwalk | • Dogs: 3.60 vs. 4.05 • Cats: 3.80 vs. 3.95 | Rainwalk excels in customer service, while Figo charges less with solid coverage. |
Spot | • Dogs: 3.60 vs. 3.75 • Cats: 3.80 vs. 4.15 | Spot charges less with better customer service, but Figo's coverage keeps it competitive. |
How Much Does Figo Pet Insurance Cost?
Figo’s pet insurance costs about $52 per month ($624 per year) for dogs and $25 per month ($297 per year) for cats. Your premiums vary based on your location, pet's breed and age.
| Dog | $52 | $60 | $624 | $723 | 14% |
| Cat | $25 | $32 | $297 | $379 | 22% |
Figo Pet Insurance Rates by State
Figo’s rates differ by state because of veterinary costs and local claim trends. It offers the cheapest pet insurance for cats in Arkansas at $15 per month and the highest rate in Maryland at $41. For dogs, coverage costs start at $33 in Arkansas and go up to $74 in Maine.
Data filtered by:
Dog
| Alabama | $42 | $504 |
| Alaska | $49 | $594 |
| Arizona | $60 | $725 |
| Arkansas | $33 | $401 |
| California | $67 | $807 |
| Colorado | $64 | $766 |
| Connecticut | $58 | $695 |
| Delaware | $52 | $624 |
| Florida | $62 | $746 |
| Georgia | $42 | $508 |
| Hawaii | $49 | $597 |
| Idaho | $51 | $609 |
| Illinois | $68 | $819 |
| Indiana | $47 | $566 |
| Iowa | $36 | $440 |
| Kansas | $46 | $551 |
| Kentucky | $40 | $484 |
| Louisiana | $42 | $503 |
| Maine | $74 | $898 |
| Maryland | $62 | $747 |
| Massachusetts | $66 | $790 |
| Michigan | $52 | $624 |
| Minnesota | $50 | $608 |
| Mississippi | $49 | $590 |
| Missouri | $40 | $486 |
| Montana | $45 | $542 |
| Nebraska | $42 | $507 |
| Nevada | $52 | $624 |
| New Hampshire | $57 | $683 |
| New Jersey | $52 | $633 |
| New Mexico | $43 | $522 |
| New York | $57 | $692 |
| North Carolina | $49 | $587 |
| North Dakota | $41 | $490 |
| Ohio | $49 | $591 |
| Oklahoma | $46 | $550 |
| Oregon | $64 | $775 |
| Pennsylvania | $58 | $701 |
| Rhode Island | $45 | $541 |
| South Carolina | $49 | $593 |
| South Dakota | $47 | $559 |
| Tennessee | $50 | $597 |
| Texas | $53 | $635 |
| Utah | $49 | $585 |
| Vermont | $45 | $546 |
| Virginia | $59 | $714 |
| Washington | $61 | $732 |
| West Virginia | $42 | $503 |
| Wisconsin | $54 | $647 |
| Wyoming | $44 | $527 |
Figo Pet Insurance Rates by Breed
Figo's premiums depend on your pet's breed. Cat owners pay $21 monthly for British Longhairs and $30 for Abyssinians. Dog premiums range from $22 for small mixed breeds under 20 pounds to $99 for Bernese Mountain Dogs. Breeds with higher health risks cost more to insure.
Data filtered by:
Select
Select
| Abyssinian | $30 | $364 |
| Affenpinscher | $47 | $561 |
| Afghan Hound | $53 | $632 |
| Airedale Terrier | $54 | $649 |
| Akita | $54 | $649 |
| Alaskan Husky | $48 | $576 |
| Alaskan Malamute | $52 | $627 |
| Alsatian | $60 | $720 |
| Alsation | $56 | $667 |
| American Bulldog | $76 | $922 |
| American Bully | $69 | $829 |
| American Eskimo | $37 | $441 |
| American Foxhound | $44 | $526 |
| American Hairless Terrier | $37 | $443 |
| American Staffordshire Terrier | $60 | $721 |
| Australian Cattle Dog | $41 | $494 |
| Australian Kelpie | $43 | $518 |
| Australian Mist | $26 | $316 |
| Australian Shepherd | $36 | $429 |
| Australian Silky Terrier | $38 | $456 |
| Australian Terrier | $39 | $465 |
| Balinese | $27 | $328 |
| Basenji | $38 | $452 |
| Basset Fauve de Bretagne | $49 | $585 |
| Basset Hound | $58 | $698 |
| Beagle | $46 | $555 |
| Bearded Collie | $43 | $512 |
| Belgian Shepherd Malinois | $49 | $593 |
| Bengal | $26 | $313 |
| Bernese Mountain Dog | $99 | $1,186 |
| Bichon Frise | $39 | $472 |
| Birman | $25 | $303 |
| Bloodhound | $69 | $825 |
| Bombay | $22 | $268 |
| Border Collie | $37 | $450 |
| Border Terrier | $39 | $468 |
| Borzoi | $60 | $725 |
| Boston Terrier | $43 | $510 |
| Boxer | $70 | $842 |
| Bracco Italiano | $47 | $562 |
| Briard | $52 | $622 |
| British Bulldog | $86 | $1,040 |
| British Longhair | $21 | $256 |
| British Shorthair | $28 | $333 |
| Brussels Griffon | $40 | $477 |
| Bullmastiff | $96 | $1,152 |
| Bull Mastiff | $98 | $1,178 |
| Bull Terrier | $58 | $693 |
| Burmese | $26 | $309 |
| Cairn Terrier | $41 | $490 |
| Cane Corso | $79 | $952 |
| Caucasian Shepherd Dog | $68 | $822 |
| Cavachon | $34 | $411 |
| Cavalier King Charles Spaniel | $45 | $540 |
| Cavapoo | $33 | $396 |
| Central Asian Shepherd Dog | $61 | $734 |
| Chihuahua | $27 | $325 |
| Chinchilla | $25 | $304 |
| Chow Chow | $52 | $623 |
| Clumber Spaniel | $57 | $691 |
| Cockapoo | $32 | $383 |
| Cocker spaniel | $48 | $579 |
| Collie | $46 | $553 |
| Corgi | $51 | $613 |
| Cornish Rex | $28 | $333 |
| Coton De Tulear | $36 | $437 |
| Dachshund | $36 | $431 |
| Dalmatian | $57 | $692 |
| Devon Rex | $26 | $315 |
| Dingo | $38 | $460 |
| Doberman Pincher | $73 | $876 |
| Doberman Pinscher | $98 | $1,184 |
| Dogue de Bordeaux | $96 | $1,160 |
| Domestic Shorthair | $21 | $260 |
| English Bulldog | $90 | $1,085 |
| English Foxhound | $40 | $485 |
| English Mastiff | $89 | $1,068 |
| English Pointer | $50 | $601 |
| English Setter | $48 | $575 |
| English Springer Spaniel | $46 | $558 |
| English Toy Terrier | $38 | $458 |
| Estrela Mountain Dog | $63 | $756 |
| Exotic Shorthair | $30 | $363 |
| Field Spaniel | $44 | $531 |
| Finnish Lapphund | $41 | $499 |
| Foxhound | $44 | $534 |
| Fox Terrier | $41 | $487 |
| French Bulldog | $79 | $956 |
| German Pinscher | $43 | $514 |
| German Shepherd | $52 | $626 |
| German Shorthaired Pointer | $47 | $564 |
| German Spitz | $43 | $517 |
| Giant Mix (100 pounds+) | $49 | $590 |
| Giant Mix (110 pounds+) | $46 | $557 |
| Giant Mix (111 pounds+) | $42 | $509 |
| Giant Mix (90 pounds+) | $62 | $747 |
| Goldendoodle | $39 | $475 |
| Golden Retriever | $53 | $643 |
| Gordon Setter | $60 | $719 |
| Great Dane | $91 | $1,101 |
| Great Pyrenees | $58 | $694 |
| Greyhound | $59 | $710 |
| Groodle | $36 | $435 |
| Harrier | $47 | $563 |
| Havanese | $33 | $395 |
| Himalayan | $26 | $310 |
| Hungarian Vizsla | $55 | $664 |
| Husky | $41 | $495 |
| Icelandic Sheepdog | $42 | $505 |
| Irish Setter | $52 | $625 |
| Irish Terrier | $44 | $530 |
| Italian Greyhound | $43 | $517 |
| Italian Spinone | $51 | $610 |
| Jack Russell Terrier | $32 | $386 |
| Japanese Chin | $36 | $437 |
| Japanese Spitz | $37 | $441 |
| Kangal Shepherd Dog | $75 | $902 |
| Keeshond | $44 | $535 |
| Komondor | $58 | $703 |
| Labradoodle | $39 | $470 |
| Labrador Retriever | $52 | $624 |
| Large Mix (51-100 pounds) | $42 | $512 |
| Large Mix (51-110 pounds) | $39 | $469 |
| Large Mix (55-90 pounds) | $43 | $523 |
| Large Mix (60-109 pounds) | $46 | $557 |
| Large Mix (61+ pounds) | $43 | $512 |
| Large Mix (71+ pounds) | $77 | $933 |
| Large Mix (Over 70 pounds) | $42 | $510 |
| Lhasa Apso | $36 | $432 |
| Lurcher | $61 | $730 |
| Maine Coon | $29 | $347 |
| Maltese | $34 | $416 |
| Maltipoo | $28 | $343 |
| Medium Mix (20-55 pounds) | $34 | $409 |
| Medium Mix (20-70 pounds) | $36 | $429 |
| Medium Mix (21-70 pounds) | $80 | $967 |
| Medium Mix (23-70 pounds) | $43 | $514 |
| Medium Mix (26-50 pounds) | $35 | $428 |
| Medium Mix (26-59 pounds) | $46 | $557 |
| Medium Mix (31-50 pounds) | $36 | $430 |
| Medium Mix (31-59 pounds) | $35 | $422 |
| Miniature Bull Terrier | $57 | $689 |
| Miniature Dachshund | $38 | $449 |
| Miniature Fox Terrier | $42 | $501 |
| Miniature Pinscher | $37 | $439 |
| Miniature Poodle | $33 | $396 |
| Miniature Schnauzer | $39 | $468 |
| Mixed Breed | $46 | $551 |
| Mixed Breed Giant (>90 lbs) | $65 | $781 |
| Mixed Breed Large (51-90 lbs) | $43 | $512 |
| Mixed Breed Medium (31-50 lbs) | $32 | $381 |
| Mixed Breed Small (>10 lbs) | $27 | $317 |
| Mixed Breed Small (11-30 lbs) | $27 | $333 |
| Mixed breed Small (up to 20lbs when full grown) | $26 | $308 |
| Mixed Dog (21-50 pounds) | $38 | $454 |
| Mixed Dog (51-90 pounds) | $46 | $545 |
| Mixed Dog (91 pounds+) | $48 | $574 |
| Morkie | $31 | $373 |
| Munchkin | $25 | $305 |
| Newfoundland | $82 | $984 |
| Norfolk Terrier | $40 | $482 |
| Norwegian Elkhound | $42 | $506 |
| Norwegian Forest cat | $25 | $296 |
| Norwich Terrier | $40 | $479 |
| Olde English Bulldogge | $96 | $1,154 |
| Old English Buldogge | $79 | $948 |
| Old English Sheepdog | $54 | $656 |
| Papillon | $36 | $432 |
| Pekingese | $39 | $462 |
| Pembroke Welsh Corgi | $46 | $548 |
| Persian | $26 | $315 |
| Peruvian Hairless Dog | $41 | $488 |
| Petit Basset Griffon Vendeen | $58 | $700 |
| Petit Basset Griffon Vendeens | $41 | $500 |
| Pitbull | $58 | $697 |
| Pointer | $46 | $556 |
| Pomeranian | $38 | $453 |
| Portuguese Water Dog | $50 | $603 |
| Pug | $47 | $559 |
| Puggle | $34 | $405 |
| Puli | $52 | $621 |
| Ragdoll | $22 | $262 |
| Rhodesian Ridgeback | $58 | $696 |
| Rottweiler | $89 | $1,073 |
| Rough Collie | $49 | $587 |
| Russian Blue | $24 | $288 |
| Saint Bernard | $93 | $1,114 |
| Saluki | $50 | $607 |
| Samoyed | $47 | $571 |
| Savannah | $27 | $326 |
| Schnoodle | $34 | $412 |
| Scottish Deerhound | $74 | $888 |
| Scottish Fold | $25 | $303 |
| Scottish Terrier | $47 | $563 |
| Serengeti | $25 | $296 |
| Shar Pei | $78 | $944 |
| Shetland Sheepdog | $38 | $456 |
| Shiba Inu | $34 | $412 |
| Shih Tzu | $30 | $367 |
| Siamese | $23 | $272 |
Is Figo Pet Insurance Expensive?
Figo ranks fifth in affordability for cats and eighth for dogs. Check the filterable table below to compare Figo's rates for your pet's age, deductible, annual limit and reimbursement rate.
Data filtered by:
Dog
Middle Aged
$500
$5,000
80%
| $67 | $802 | 7% |
Figo Pet Insurance Discounts
Figo offers pet insurance discounts to lower premiums. Savings are available for military members, association members and club participants. Pet owners can also get a multi-pet discount when insuring more than one animal under the same policy.
Multi-pet | 5% | Insure two or more pets on active policies |
Costco member | 15% | Must be a Costco member and enroll through the Costco program (not available in all states) |
Military | 5% | Active duty or veteran status where the discount is offered (not available in FL, NY, TN and WA) |
Figo Pet Insurance Customer Service Reviews and Ratings
Figo ranks seventh nationwide for customer service for both cats and dogs. The company holds moderate ratings on the Better Business Bureau and Trustpilot.
Reddit feedback on Figo skews negative. Most commenters report claim denials and communication problems, though some pet owners praise Figo's responsive support team.
Figo Trustpilot Reviews
Figo earns a 3.7 out of 5 Trustpilot rating. Most policyholders report satisfactory experiences with Figo's coverage and claims handling.
Figo Better Business Bureau Rating
Figo holds a B rating from the Better Business Bureau (BBB), indicating the company meets BBB standards for ethical business practices and customer complaint resolution.
Figo Pet Insurance Reddit Sentiment
Reddit users criticize Figo pet insurance. We reviewed 12 comments: only two were positive (17%), while 10 were negative. Positive reviewers praised fast customer service and clear policy terms.
Most complaints focus on denied claims and coverage gaps. Experiences with Figo's claims process vary widely.
Figo Pet Insurance Coverage
Figo insures both dogs and cats. Figo doesn't offer accident-only plans. You can customize your plan with different coverage levels and optional add-ons to fit your budget.
$100, $250, $500, $750 | |
$5,000, $10,000, Unlimited | |
70%, 80%, 90%, 100% | |
Coverage (accident and illness) | Surgery, hospitalization, diagnostics, imaging, prescription medications, emergency care, specialist visits, medical supplies, dental illness and injury (requires dental exam), hereditary and congenital conditions (if not preexisting), cancer treatment, advanced care |
Pre-existing conditions | Excluded. Curable pre-existing conditions may qualify after 12 months without symptoms or treatment. |
Bilateral conditions | If symptoms appear before coverage or during waiting periods, the opposite side is excluded as preexisting. |
1 day for accidents, 14 days for illnesses, 6 months for orthopedic conditions in dogs (can be waived with orthopedic exam within 30 days) | |
Enrollment restrictions | Minimum age: eight weeks. No upper age limit, though some benefits differ for senior pets. |
*Coverage varies by state and policy terms. Always review your specific policy documents and consult your insurance provider to understand exact coverage terms, exclusions, limitations and waiting periods before enrollment.
Figo Pet Insurance Coverage Add-Ons
Figo provides wellness add-ons that cover routine preventive care services. Pet owners can get reimbursed for vaccinations, dental cleanings and wellness exams through these optional plans. Coverage begins right away with no deductibles or waiting periods after you enroll.
Wellness and Preventative Coverage | Reimbursement for routine preventive care such as vaccines, routine exams, spay/neuter, dental cleanings, microchipping and parasite prevention (benefits and limits vary) |
Veterinary Exam Fees for Accident and Illness Visits | Reimburses vet exam fees charged for covered accidents or illnesses |
Extra Care Pack | Miscellaneous benefits such as advertising and reward for lost pet, boarding fee reimbursement, vacation cancellation, third-party property damage liability and final respects (cremation/burial) benefit |
Alternative Care, Rehabilitation and Physical Therapy Riders | Optional riders may cover behavioral consultations, alternative therapies, rehabilitation or physical therapy when shown on the declarations page |
Is Figo Pet Insurance Good: Bottom Line
Figo charges an average of $52 monthly for dog insurance and $25 for cat coverage. The company ranks seventh nationally for customer experience and maintains moderate ratings from Trustpilot and the Better Business Bureau. Pet owners can customize comprehensive accident and illness plans with optional wellness coverage as an add-on.
Browse through our review guides for the top pet insurance companies for your pet:
Figo Pet Insurance Review: FAQ
Answers to common questions about Figo pet insurance coverage:
Is Figo pet insurance worth it in 2025?
Yes, Figo pet insurance is worth it in 2025 for cat owners. Figo ranks fifth nationwide for affordability: $25 per month for cats and $52 for dogs. Strong coverage options make Figo a good choice for budget-conscious pet owners.
What do Reddit users really think about Figo pet insurance?
Reddit users criticize Figo pet insurance. Only 17% of comments were positive: two favorable reviews versus 10 negative ones. Pet owners complain about claim denials and slow processing. Some users praise Figo's customer service and clear policy terms.
Does Figo cover pre-existing conditions for pets?
Figo excludes pre-existing conditions from coverage. Curable conditions may become eligible if your pet remains symptom-free and treatment-free for 180 days. Chronic conditions and ligament or knee problems are generally excluded permanently from coverage.
Can I get a discount for insuring multiple pets with Figo?
Figo provides a multiple pet discount when you insure two or more pets on the same policy. The company also offers additional savings through partnerships with organizations like AAA and various employee benefit programs for qualifying customers.
Is Figo pet insurance available in my state?
Yes, Figo pet insurance operates in all 50 states. Premium costs vary by location. Cat coverage ranges from $15 monthly in Arkansas to $41 in Maryland. Dog insurance spans from $33 per month in Arkansas to $74 in Maine.
How We Rated Figo Pet Insurance
Figo markets itself as affordable pet insurance with unlimited coverage options, but premiums and real-world claims experiences tell different stories. We tested Figo's value proposition by comparing what it charges against what customers actually receive in coverage and service.
Affordability (50%)
Premiums determine whether you can maintain coverage long-term. We gathered quotes for multiple pet breeds, ages and plan configurations. A 6-year-old Labrador Retriever and 7-year-old Ragdoll served as our baseline profiles with a $500 deductible, $5,000 annual limit and 80% reimbursement rate. This reflects midrange coverage that balances monthly costs against out-of-pocket expenses during claims.
We included all available discounts in our analysis. Many pet owners miss savings opportunities because insurers don't advertise every discount prominently.
Customer Experience (30%)
Figo's claims process matters more than its marketing promises. We analyzed customer reviews from Trustpilot and Reddit to understand how pet owners actually experience filing claims and resolving coverage disputes. Mixed Reddit feedback (17% positive vs. 83% negative) raised questions about claim denials and processing delays that required deeper investigation.
Real customer experiences reveal whether insurers pay claims quickly or create obstacles through coverage exclusions and slow processing.
Coverage Options (20%)
We reviewed Figo's policy benefits, wellness add-ons and coverage breadth. Figo offers unlimited annual limits and up to 100% reimbursement, but lacks accident-only plans that some budget-conscious pet owners need. We examined what Figo covers at no extra cost (hereditary conditions and behavioral treatments) compared to competitors charging additional fees for the same coverage.
Our scoring weighs affordability heaviest because pet owners abandon policies they can't afford, leaving pets unprotected when emergencies strike.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Better Business Bureau. "Figo Pet Insurance, LLC." Accessed December 6, 2025.
- Trustpilot. "Figo Pet Insurance." Accessed December 6, 2025.