Figo Pet Insurance review
Underwritten by Independence American Insurance Company · Updated 2026-11-09
Very good
How we scoreWhat's covered, and what isn't
The key terms of a Figo plan. Tap the source under any item to see the exact wording, or read the full Figo sample policy.
Accident waiting period
1 day (dogs: orthopedic injuries, including fractures, fall under the 6-month orthopedic wait)
“For this Policy, the time period is one (1) day for Injuries caused by an Accident and fourteen (14) days for Illnesses,”
Open document, page 3retrieved 2026-11-09
Illness waiting period
14 days
“For this Policy, the time period is one (1) day for Injuries caused by an Accident and fourteen (14) days for Illnesses,”
Open document, page 3retrieved 2026-11-09
Knee & hip (orthopedic) wait
6 months (dogs only; waivable with an orthopedic exam and waiver form within 30 days)
“The standard Orthopedic Condition Waiting Period for dogs is six (6) months from the Original Start Date shown on the Declarations Page for that dog.”
Open document, page 4retrieved 2026-11-09
Pre-existing conditions
Excluded. Curable conditions become coverable after 365 consecutive days without symptoms or treatment; genetic, ligament/knee, orthopedic and chronic conditions are never curable.
“A Pre-Existing Condition is considered Cured once Your Pet is free from the curable condition, with no further symptoms present or Treatment required, for a period of 365 consecutive days”
Open document, page 5retrieved 2026-11-09
Dental illness
Covered, conditional on an annual dental exam and following vet advice; excluded if periodontal signs existed before start or during the wait
“To receive Dental Illness Coverage, You must follow Your Veterinarian's advice regarding dental care, including but not limited to, an annual dental exam and any related Treatment recommendations.”
Open document, page 5retrieved 2026-11-09
Deductible
Annual deductible that drops $50 per claim-free renewal to $0, plus an optional Per Incident Copay (per condition, per vet). Options not in policy.
“Policy Annual Deductible is the annual amount You pay for Treatments covered by this Policy and as indicated on Your Declarations Page before We will begin to reimburse You.”
Open document, page 3retrieved 2026-11-09
Annual limit options
$5,000 / $10,000 / unlimited
“You can choose $5,000, $10,000, or Unlimited”
Open document, web pageretrieved 2026-11-09
Maximum enrollment age
No upper age limit (minimum 8 weeks)
“We will insure any cat or dog that is at least 8 weeks old and with no upper age limits.”
Open document, web pageretrieved 2026-11-09
What Figo customers say
What customers say
“Best insurance for pets. Super fast reimbursement. The day I submitted the claim, next day the money was in my account.”
Sean · Trustpilot review
“...Almost every claim I've submitted has been approved and paid, with quick processing, fast reimbursements, and absolutely no hassle. The claims process is simple, straightforward, and stress-free....”
rogue o. · Trustpilot review
Figo: common questions
How long is the Figo waiting period?+
In the policy document we read: accidents, 1 day (dogs: orthopedic injuries, including fractures, fall under the 6-month orthopedic wait); illness, 14 days; knee and hip conditions, 6 months (dogs only; waivable with an orthopedic exam and waiver form within 30 days). Waiting periods can differ by state.
Does Figo cover pre-existing conditions?+
Excluded. Curable conditions become coverable after 365 consecutive days without symptoms or treatment; genetic, ligament/knee, orthopedic and chronic conditions are never curable. (from the Figo policy document).
Does Figo cover dental disease?+
Covered, conditional on an annual dental exam and following vet advice; excluded if periodontal signs existed before start or during the wait (from the Figo policy document).
Is there an age limit to enroll with Figo?+
No upper age limit (minimum 8 weeks). This comes from the Figo website; the policy document leaves it to the declarations page.
This page reads a sample Figo policy. Terms vary by state and change over time. It is not insurance advice, and we are not an insurance agent. No insurer pays us today.