Figo’s pet insurance earned a score of 3.8 out of 5 for cats and 3.6 for dogs in MoneyGeek’s analysis. The company performs well in affordability but ranks seventh for customer experience, meaning some 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: November 16, 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 is one of the top pet insurance choices for owners looking for affordable deductibles and unlimited payout options. It covers hereditary conditions, behavioral treatments and exam fees at no extra cost. Still, its 15-day waiting period for accidents may not work well for pet owners who need immediate coverage.
Learn more about the best pet insurance options for your pet:
Figo Pet Insurance Ratings by State
Figo offers pet insurance across all 50 states and performs consistently well overall. It ranks third for cats in three states and fourth for dogs in two. The company also scores highly in affordability for cats, placing second in six states.
While it doesn’t offer the best pet insurance overall, Figo remains a steady mid-range performer in both coverage and customer experience nationwide.
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
See how Figo compares with other leading pet insurance providers nationwide.
Figo vs. AKC | • Dogs: 3.60 vs. 4.30 • Cats: 3.80 vs. 3.85 | AKC scores higher overall with better coverage, but Figo costs less for cats. |
Figo vs. ASPCA | • Dogs: 3.60 vs. 3.85 • Cats: 3.80 vs. 3.35 | ASPCA costs less for dogs. Figo costs less for cats and offers better coverage. |
Figo vs. Embrace | • Dogs: 3.60 vs. 2.55 • Cats: 3.80 vs. 2.30 | Figo beats Embrace in affordability, coverage and overall scores. |
Figo vs. Fetch | • Dogs: 3.60 vs. 2.70 • Cats: 3.80 vs. 2.95 | Fetch has slightly better coverage. Figo costs less and scores higher overall. |
Figo vs. Hartville | • Dogs: 3.60 vs. 3.50 • Cats: 3.80 vs. 3.90 | Hartville costs less for cats. Figo offers better coverage for both dogs and cats. |
Figo vs. Lemonade | • Dogs: 3.60 vs. 4.50 • Cats: 3.80 vs. 4.25 | Lemonade costs less for dogs and scores higher overall. Figo costs less for cats. |
Figo vs. Liberty Mutual | • Dogs: 3.60 vs. 2.65 • Cats: 3.80 vs. 2.30 | Figo beats Liberty Mutual in affordability, coverage and customer service. |
• Dogs: 3.60 vs. 3.05 • Cats: 3.80 vs. 2.40 | Figo offers better coverage and customer experience. MetLife scores lower in most categories. | |
Figo vs. Nationwide | • Dogs: 3.60 vs. 2.50 • Cats: 3.80 vs. 2.65 | Figo costs less and offers better coverage than Nationwide across all categories. |
Figo vs. Pets Best | • Dogs: 3.60 vs. 4.05 • Cats: 3.80 vs. 3.80 | Pets Best costs less for dogs with better coverage. Figo costs less for cats. |
Figo vs. Pumpkin | • Dogs: 3.60 vs. 3.70 • Cats: 3.80 vs. 4.15 | Pumpkin costs less and scores higher overall. Figo offers better coverage. |
Figo vs. Rainwalk | • Dogs: 3.60 vs. 4.05 • Cats: 3.80 vs. 3.95 | Rainwalk excels in customer service. Figo costs less with balanced coverage. |
Figo vs. Spot | • Dogs: 3.60 vs. 3.75 • Cats: 3.80 vs. 4.15 | Spot costs less with better customer service. 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. Premiums depend on factors such as your location, pet’s breed and other personal details.
| 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 four pet insurance discounts to help lower premium costs. 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 every state) |
Pay-in-full/annual payment | Varies (processing fee savings typical) | Pay the annual premium in full instead of monthly; amount depends on your billing cycle and state |
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.
Feedback on Reddit is mixed, though negative comments appear more often than positive ones. Some pet owners appreciate Figo’s responsive support team, while others mention delays and communication issues during the claims process.
Figo Trustpilot Reviews
Figo earns a 3.9 out of 5 rating on Trustpilot from verified customers who rate its service and claims handling. Most policyholders report acceptable experiences with Figo's coverage and support team. Trustpilot collects verified reviews to give consumers honest feedback about companies.
Figo Better Business Bureau Rating
Figo holds a B rating from the Better Business Bureau. The B grade indicates Figo meets BBB standards for ethical business practices and customer complaint resolution. BBB ratings help consumers evaluate company trustworthiness and service quality.
Figo Pet Insurance Reddit Sentiment
Reddit users share mostly negative feedback about Figo pet insurance. In our review of 12 comments, only 17% were positive, with two favorable reviews and 10 negative ones. Those who spoke positively mentioned fast customer service and clear policy terms.
Most complaints focused on denied claims and coverage gaps, showing how experiences with Figo’s claims process can differ widely.
Figo Pet Insurance Coverage
Figo provides pet insurance coverage for both dogs and cats. Pet owners can tailor their plans with different coverage levels and optional add-ons to fit their budget and their pet’s specific needs.
$100, $250, $500, $750 (depends on state, pet age and plan) | |
$5,000, $10,000, Unlimited | |
70%, 80%, 90%, 100% (100% has restrictions) | |
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 |
Preexisting conditions | Excluded. Curable preexisting 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. |
Injury: 1 day. Illness: 14 days. Orthopedic (dogs): 6 months (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 Powerup | Reimbursement for routine preventive care such as vaccines, routine exams, spay/neuter, dental cleanings, microchipping and parasite prevention (benefits and limits vary) |
Office visit/exam fee Powerup | Reimburses vet exam fees charged at accident or illness visits; helpful where exam fees are billed separately from diagnostics or treatment |
Extra Care Pack | Miscellaneous benefits such as advertising and reward for lost pet, boarding reimbursement if you are hospitalized, vacation cancellation reimbursement when treatment is required, final respects (cremation/burial) limits and lost-pet recovery services (availability varies) |
Behavioral/holistic/rehabilitation Powerups | 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 select from accident-only or comprehensive accident and illness plans, with optional wellness coverage available as an add-on.
Browse through our review guides for the top pet insurance companies for your pet:
Figo Pet Insurance Review: FAQ
Find answers to common questions about Figo pet insurance coverage below.
Is Figo pet insurance worth it in 2025?
Yes, Figo pet insurance is worth it in 2025, especially for cat owners. It ranks fifth nationwide for affordability, with average premiums of about $25 per month for cats and $52 for dogs. Figo also includes strong coverage options, making it a solid choice for pet owners on a budget.
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 compared to 10 negative ones. Common complaints include claim denials and slow processing times. 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, making location a key factor in pricing.
How We Rated Figo Pet Insurance
Shopping for pet insurance can feel overwhelming with so many options to choose from. To see how Figo performs, we analyzed its plans across three important areas:
Affordability (50% of score): We gathered premium quotes for different pet breeds, ages and plan types, including available discounts, to reflect what pet owners actually pay.
Customer Experience (30% of score): This score is based on customer reviews and ratings from sites like Trustpilot and Reddit to understand real user satisfaction.
Coverage Options (20% of score): We reviewed policy benefits, wellness add-ons and overall protection to evaluate the value of Figo’s coverage.
All pricing data was based on standard quotes for a six-year-old Labrador Retriever and a seven-year-old Ragdoll cat with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
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 November 17, 2025.
- Trustpilot. "Figo Pet Insurance." Accessed November 17, 2025.