Figo is a digital-first pet insurer best known for two things: one of the only 100% reimbursement options on the market, and its Pet Cloud app with 24/7 live vet chat. In this 2026 review we break down what Figo's base plan includes, what needs a paid Powerup, its pricing, waiting periods, pros and cons, and who it fits best.
Figo at a glance
| ComparePetCover rating | 4.1 / 5 |
| Annual limits | $5,000 – Unlimited |
| Deductibles | $100 – $1,500 (annual) |
| Reimbursement | 70% · 80% · 90% · 100% |
| Exam fees | Paid Powerup add-on |
| Waiting period | 1 day accidents · 14 days illnesses · 6 months orthopedic (reducible) |
| Best for | Maximum reimbursement, app-first owners |
What Figo covers
Figo's base accident-and-illness plan covers the essentials — accidents, illnesses, diagnostics, surgeries, hospitalization, cancer and hereditary conditions. What sets it apart sits in the reimbursement rate and the app:
- 100% reimbursement option — genuinely rare; most insurers cap at 90%.
- Unlimited annual coverage available.
- Pet Cloud app with 24/7 live vet chat and digital pet records included.
- Powerups (paid add-ons): vet exam fees, wellness/preventive, and extra care riders.
Figo's headline is the 100% tier — on a big surgery, the difference between 90% and 100% is real money. Just remember exam fees aren't in the base plan.
Plans, limits & pricing
Figo pricing runs mid-market, but the 100% reimbursement tier costs more than a 90% plan. Typical 2026 ranges (they vary by breed, age and state):
| Pet | Typical Figo premium (/mo) |
|---|---|
| Dogs | $35 – $80 |
| Cats | $18 – $42 |
Choosing 100% reimbursement and unlimited coverage pushes you to the top of the range; dialing back to 80–90% and a higher deductible trims the premium noticeably. A multi-pet discount is available.
Pros
- Rare 100% reimbursement option
- Unlimited annual coverage available
- Short 1-day accident waiting period
- Pet Cloud app with 24/7 live vet chat included
- Multi-pet discount
Cons
- Vet exam fees and wellness are paid Powerup add-ons
- 100% tier and unlimited limits push premiums up
- 6-month orthopedic wait unless reduced via exam waiver
- Pre-existing conditions excluded (all insurers)
Waiting periods & exclusions
Figo applies a short 1-day waiting period for accidents, 14 days for illnesses, and 6 months for orthopedic/knee conditions — the orthopedic wait can often be reduced with a vet exam and waiver. Pre-existing conditions are excluded, so enroll while your pet is healthy.
How claims & reimbursement work
You file claims through the Pet Cloud app or online, and Figo reimburses your chosen 70%, 80%, 90% or 100% after the deductible, at any licensed vet. Figo is well-reviewed for fast processing. It's a pay-first reimbursement model.
Who Figo is best for
Figo is the strongest fit for owners who want the highest reimbursement rate (up to 100%) and a modern app experience, and who are comfortable adding a Powerup for exam fees. If you want exam fees included in the base plan, a more inclusive insurer may suit you better.
How Figo compares
Premiums and coverage vary by pet, breed, age and your state. See how Figo stacks up in our full provider comparison, or check average pet insurance costs in your state.
Frequently Asked Questions
Does Figo really offer 100% reimbursement?
Yes — Figo is one of very few pet insurers with a 100% reimbursement tier, alongside 70%, 80% and 90% options. It costs more but maximizes what you get back on big bills.
Does Figo cover vet exam fees?
Not in the base plan — exam fees are a paid Powerup add-on. Factor that in when comparing Figo's premium to insurers that include exam fees.
What is Figo's Pet Cloud?
It's Figo's app, which includes 24/7 live vet chat, digital pet health records and claims filing — included with your policy.
What are Figo's waiting periods?
1 day for accidents, 14 days for illnesses and 6 months for orthopedic conditions (often reducible with a vet exam and waiver).
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