Cloud-based pet records integrated into the policy app.
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ClearValue Rating: 3.9 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Tech-forward owners who want digital records + claim management in one app.
Figo Pet Insurance — Cloud-based pet records integrated into the policy app. Best for: Tech-forward owners who want digital records + claim management in one app.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Figo is geared toward tech-forward pet owners who want digital records and claim management in one place. Its Pet Cloud platform bundles medical-record storage, a vet locator, and claim tracking alongside the policy, so it fits owners who prefer managing everything through an app.
Figo offers 70%, 80%, or 100% reimbursement. The 100% option is uncommon in the industry — most carriers cap reimbursement at 90% — which can appeal to owners who want to minimize out-of-pocket costs on covered claims.
Per the plan data, Figo deductibles range from $100 to $1,500 and annual caps range from $5,000 up to unlimited. That wide menu lets you tune the premium against how much risk you want to retain. Confirm the exact combinations available in your state at the issuer.
Yes — Figo covers veterinary exam fees, which are often excluded by competing carriers. Wellness add-on coverage, however, is more limited, so review the plan details if routine-care coverage matters to you.
Figo is available in all 50 states plus DC, and pets must be at least 8 weeks old at enrollment. You can request a quote and apply directly at the issuer's site (figopetinsurance.com). ClearValue is a neutral information platform, not the insurer — final terms, pricing, and eligibility are set by Figo.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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