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Figo Pet Insurance Review 2026: Best for 100% Reimbursement & Tech Features

Figo occupies a distinct niche in the pet insurance market: it is the only major U.S. provider offering a 100% reimbursement tier. After you meet your annual deductible, Figo will pay every dollar of eligible vet costs for the rest of the year — leaving zero out-of-pocket on covered claims. That feature alone makes Figo worth evaluating for any owner who has been burned by large residual bills even with pet insurance.

Figo also bundles its Pet Cloud app — which includes 24/7 live video and text chat with licensed veterinarians — into every policy at no additional charge. For quick triage questions (“is this something we need to go to the ER for?”), that feature can be worth $20–$50/month by itself.

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Monthly Cost Range

• Dogs: $27–$55/month for a mixed-breed adult dog with an 80% reimbursement rate, $250 deductible, and unlimited annual limit
• Cats: $15–$30/month under comparable settings
• The 100% reimbursement tier adds $10–$20/month to baseline premium
• Unlimited annual coverage is available at the higher end of the range

Figo's pricing is competitive with Healthy Paws at equivalent coverage levels, slightly above Lemonade at the base, and generally below Nationwide for single pets.

Plan Structure

Figo offers a single accident-and-illness plan with configurable parameters — similar to Healthy Paws, but with more options at the high end:

• Reimbursement tiers: 70%, 80%, 90%, or 100%
• Annual limits: $5,000, $10,000, or Unlimited
• Deductible options: $100, $200, $250, $500, or $750 annually
• Optional wellness add-on available for routine care

Reimbursement Rate: The 100% Tier

The 100% reimbursement tier is Figo's headline feature and is genuinely rare in the industry. Here is how it works in practice:

• You pay your annual deductible (e.g., $250) once per year
• After that, Figo reimburses 100% of all eligible covered expenses for the rest of the policy year
• A $5,000 surgery becomes a $250 out-of-pocket expense for the year (your deductible only)
• Practical note: 100% reimbursement applies to covered, eligible expenses — exclusions still apply

For owners with high-risk breeds or pets with a history of expensive conditions, the 100% tier can justify the premium increase within a single claim event.

Deductibles

• Annual deductible: $100, $200, $250, $500, or $750
• Figo uses annual deductibles (not per-incident), consistent with the industry norm
• The $100 option offers the lowest annual out-of-pocket exposure — particularly valuable when combined with the 100% reimbursement tier

Coverage Scope

• Accidents: lacerations, fractures, foreign-body ingestion, eye injuries, poisoning, bite wounds
• Illnesses: cancer, diabetes, hypothyroidism, respiratory conditions, heart disease, kidney disease, IVDD
• Hereditary and congenital conditions (if not pre-existing)
• Chronic conditions: covered year over year
• Prescription medications, specialist referrals, emergency and urgent care
• Imaging: X-rays, MRIs, CT scans, ultrasounds
• Surgeries and hospitalizations
• Alternative therapies when vet-recommended: acupuncture, chiropractic, hydrotherapy
• Exam fees: partially covered depending on plan configuration

Exclusions

• Pre-existing conditions
• Preventive and routine care (without wellness add-on)
• Elective and cosmetic procedures
• Breeding, pregnancy, and whelping
• Experimental treatments (varies by state)
• Dental disease (unless a dental add-on is selected)

Waiting Periods

• Accidents: 1 day (effectively immediate in most states)
• Illnesses: 14 days
• Orthopedic conditions: Standard 14 days; extended orthopedic wait may apply in some states

Waiting-period waiver: Figo offers a waiver for orthopedic conditions in dogs if your vet examines your pet and completes the waiver form within the enrollment window. This is especially useful for large breeds prone to cruciate injuries.

Pet Cloud App & 24/7 Vet Chat

Every Figo policyholder gets free access to the Pet Cloud app, which includes:

• 24/7 live vet chat: Video and text access to licensed veterinarians for triage and advice
• Digital medical records storage for all your pets
• Wellness tracking and appointment reminders
• Lost pet alert network
• Claim submission directly from the app

The vet chat feature is a genuine differentiator. At 2 a.m. when your dog has eaten something suspicious, access to a licensed vet to assess severity is worth more than the monthly premium itself. Competitors charge for this feature or don't offer it at all.

Claim Process

1. Pay your vet
2. Submit a claim via the Pet Cloud app or online portal; photograph your itemized invoice
3. Figo targets 3–7 business day processing for most claims
4. Complex claims may take longer; Figo's customer service team is available by phone and chat
5. Reimbursement by direct deposit or check

Figo's claim approval rates and customer satisfaction scores are above average by independent assessments. The app experience is polished, though not as fast as Lemonade's AI-instant approvals.

Who Should Buy Figo Pet Insurance

Verdict

Figo earns the title of Best for 100% Reimbursement & Tech Features in 2026. The 100% reimbursement tier is a genuine market differentiator that no other major provider matches — and the bundled 24/7 vet chat makes Figo a compelling value even at the 80% tier. For owners who want the math to be simple — pay deductible, then pay nothing — Figo is the clearest answer in the market.

The trade-off is a modestly higher premium for the 100% tier and a claims processing speed that trails Lemonade. For owners who value certainty of payment over UX speed, that is a straightforward trade.

Compare more providers: Pet Insurance Hub · Healthy Paws Review · Nationwide Review · ASPCA Review · Lemonade Review