Figo Pet Insurance review

Figo stands out for owners who would rather pay a higher premium than share the bill. It is the only insurer we compared that lets you pick up to 100% reimbursement, and it does not cap payments per incident or condition. You choose one of three plans by annual limit: Essential at $5,000, Preferred at $10,000 or Ultimate with no annual limit, then set the deductible and reimbursement rate. Claims are filed in the Pet Cloud app, and Figo says most close in 3 working days on average, based on its 2025 claims data. Policyholders get free 24/7 Live Vet access, and curable pre-existing conditions may be covered after 12 months without signs or symptoms. Coverage applies at a licensed vet of your choice, worldwide. Exam fees and wellness care are sold as paid Powerups, and Figo does not publish a starting price, so you need a quote to compare it.

Who it is for

owners who want 100% reimbursement

Price

See vendor pricing (USD check pending).

US price check pending. See the vendor pricing page.

Key features

• Essential ($5,000), Preferred ($10,000) and Ultimate (unlimited) annual limits
• Reimbursement up to 100%, so no co-insurance on eligible bills
• No per-incident caps on claim payments
• Most claims close in 3 working days on average, per Figo's 2025 claims data
• Free 24/7 Live Vet access and optional Powerups for wellness and exam fees

Strengths and weaknesses

• Strength: Only insurer we compared that publishes a 100% reimbursement option
• Strength: Curable pre-existing conditions may be covered after 12 months without signs or symptoms
• Strength: Visit a licensed vet of your choice, worldwide
• Weakness: Vet exam fees for accidents and illnesses are a paid Powerup
• Weakness: Wellness coverage is also a paid Powerup
• Weakness: Prices are only shown after you enter your pet's details

Key facts

• Reimbursement: Up to 100%
• Annual limit: $5,000, $10,000 or unlimited
• Average claim time: 3 working days
• Underwriter: Independence American Insurance Company

Where it ranks

Figo Pet Insurance is No. 7 in our Best Pet Insurance verdict.