Figo
Figo Pet Insurance Review 2026
Cloud-based pet records integrated into the policy app.
Who Figo Pet Insurance is best for
Tech-forward owners who want digital records + claim management in one app.
At a glance
- Reimbursement
- 70/80/100%
- Annual cap
- $5K–Unlimited
- Deductible
- $100–$1,500
- Pet Cloud
- Included
100% option rare in industry
Wide menu
Wide menu
Records, vet locator, claim tracking
Pros
- +Pet Cloud digital records platform integrated with the policy — track medical history, store records, manage claims
- +100% reimbursement option (rare — most carriers max at 90%)
- +Covers veterinary exam fees (often excluded by competitors)
- +Easy claim submission via app with photo upload
Cons
- −Standalone premium often higher than Lemonade for similar coverage
- −Newer to market than Healthy Paws or Embrace — shorter long-tail data
- −Wellness add-on coverage is limited
Figo Pet Insurance requirements
- Available in all 50 states + DC
- Pets must be at least 8 weeks at enrollment
Figo Pet Insurance alternatives
Top alternatives worth comparing from Best Pet Insurance Companies 2026.
Lemonade
Lemonade Pet Insurance
Young healthy pets in supported states; owners who want an app-only experience.
Healthy Paws
Healthy Paws Pet Insurance
Owners who want unlimited annual + lifetime coverage caps and a strong claims track record.
Embrace
Embrace Pet Insurance
Older pets (5+ years) and owners who want a wellness rewards option.
Ready to apply?
Application takes minutes. Pre-qualification (where available) uses a soft credit pull with no impact to your credit score.
Apply at Figo→Last verified at the issuer on 2026-06-09
The full lineup
See all picks in Best Pet Insurance Companies 2026
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Figo Pet Insurance scores 3.9 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Tech-forward owners who want digital records + claim management in one app.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about Figo Pet Insurance
Who is Figo Pet Insurance best for?+
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.
What reimbursement levels does Figo offer?+
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.
What deductible and annual cap choices does Figo have?+
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.
Does Figo cover veterinary exam fees?+
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.
Is my pet eligible for Figo, and how do I apply?+
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.
Related guides
Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.