Figo Pet Insurance
Founded in 2015. Available in 50 states. BBB rating: B+. AM Best: A-.
Pricing by dog size
Monthly premium ranges for typical dogs. Actual pricing varies by breed, age, and ZIP code.
Small dogs
< 25 lbs
$20–$45/mo
Young dog
$38–$70/mo
Senior
Medium dogs
25–60 lbs
$28–$60/mo
Young dog
Large dogs
> 60 lbs
$38–$82/mo
Young dog
$55–$120/mo
Senior
Brachycephalic breeds
Bulldogs, Pugs, French Bulldogs, etc.
$45–$95/mo
Plan options
Coverage details
What Figo covers, and what costs extra or isn't included.
Waiting periods
Enrollment requirements
Pros and cons
Strengths
- ✓ Pet Cloud app for managing everything
- ✓ 100% reimbursement option
- ✓ 1-day accident waiting period
- ✓ Wide deductible range up to $1500
- ✓ No upper age limit
Weaknesses
- ✗ 6-month orthopedic waiting period
- ✗ No dental coverage
- ✗ No exam fee coverage
- ✗ Lower BBB rating than competitors
- ✗ Small multi-pet discount
Best for
- → tech-savvy pet owners
- → those wanting app-based management
- → owners wanting 100% reimbursement
Less ideal for
- → those needing dental coverage
- → owners wanting exam fee coverage
- → those needing immediate orthopedic coverage
Frequently asked questions
How much does Figo cost?
Figo premiums start at $20/month for small young dogs and range up to $120/month for large senior dogs. Actual pricing depends on breed, age, and location.
Does Figo cover hereditary conditions?
Yes, Figo covers hereditary and breed-specific conditions.
What is Figo's waiting period?
Figo has a 1-day accident waiting period and 14-day illness waiting period. Orthopedic conditions have a 6-month wait.
Is there an age limit for Figo?
No, Figo has no upper age limit for enrollment.
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Last verified: 2026-05-16