Figo Pet Insurance was founded in 2013 and is based in Chicago. It partners with Costco, and Costco members may be eligible for a discount on their policy.

If you’re looking for broad pet coverage, Figo is a great choice. Its policies offer coverage for orthopedic conditions, hip dysplasia, prescription medication, non-routine dental treatment, cancer treatments and much more.

Figo has a useful app with features to help manage your pet’s wellbeing. You can use it to set up health reminders, chat with a veterinarian 24/7, view your pet’s medical records and file and track claims.

Note: Coverage options and availability may vary depending on where you live and the age and breed of your pet.

Figo pet insurance
5.0NerdWallet rating 
Figo earned 5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, coverage options and financial strength ratings.

Based on this rating, Figo is on NerdWallet's list of Best Pet Insurance Companies.

State availability
Figo’s accident and illness policies are available in all 50 states and Washington, D.C., but wellness policy availability varies by state.

Figo pet insurance plans
Figo offers one accident and illness plan with three annual limits to choose from — $5,000, $10,000 or unlimited. It offers the option to add a wellness plan that covers vaccinations, spaying or neutering, bloodwork and other tests.

Pet owners can also buy Figo’s extra care pack, which includes coverage for:

Cremation or burial costs, up to $250.

Lost pet advertising and reward.

Vacation cancellation due to a pet emergency.

Boarding fees.

Pet theft and loss due to straying, up to $150.

Coverage up to $10,000 per policy period if your pet damages someone else’s property. 

What Figo pet insurance covers
Figo pet insurance covers:

Orthopedic conditions, including ACL injuries.

Hip dysplasia.

Rehabilitation prescribed and administered by a licensed veterinarian.

Mobility devices.

Medically necessary surgeries for covered accidents and illnesses.

Prescription medications for a covered illness or accident.

Veterinary specialist treatments.

Imaging for a covered illness or injury.

Non-routine dental treatment.

Behavior training and medication.

Holistic and alternative treatments.

Pet ambulances.

Euthanasia.

Emergency services and hospitalization.

Laboratory and diagnostic testing.

Hereditary and congenital conditions.

Chronic conditions.

Cancer treatments.

Optional coverage may be available for:

Prescription food.

Veterinary exam fees.

What’s not covered
Your Figo plan won’t pay for:

Pre-existing conditions, unless they’ve been cured and the pet is symptom-free for at least 12 months.

Experimental procedures.

Breeding, pregnancy or giving birth.

Cloned pets or cloning procedures.

Cosmetic surgery.

Most parasites.

» MORE: What does pet insurance cover?

Figo coverage options
Deductibles: Annual deductibles generally range from $100 to $1,500.

Reimbursement amounts: You can typically choose to be reimbursed for 70%, 80%, 90% or 100% of your expenses.

Coverage limits: Pet owners can choose from annual coverage limits of $5,000, $10,000 or unlimited.

Restrictions and waiting periods
Age restrictions: Pets must be at least 8 weeks old to be covered.

Waiting periods: A waiting period is the time between the date you buy your policy and the date that coverage starts. Figo’s waiting periods are generally one day for accidents, 14 days for illnesses and six months for orthopedic injuries to dogs. However, you may be able to waive the orthopedic waiting period by having your vet examine your dog and complete the company’s waiver form.

Discounts
Figo does offer discounts, but they vary by state.

» MORE: Is pet insurance worth it?

Consumer experience
Website: The Figo website is easy to navigate and offers a thorough frequently asked questions section. You can also log in to Figo’s Pet Cloud web portal (there’s a link on the Figo site).

App: The Figo Pet Cloud app lets you upload and share your pet’s medical records, view policy information, file and track claims, receive important health reminders, track your pet with Figo’s pet tags, and connect with pet owners in your area. You can also use the app to find pet hotels, groomers, day care facilities, pet-friendly restaurants and emergency pet hospitals. The app offers 24/7 access to a veterinarian through its live chat tool.

Claims: You can file a claim through the Figo app, over the phone, by email or through fax. Figo typically processes claims within 30 days. You can monitor the status of each claim in the Pet Cloud app or through the Pet Cloud web portal.

Customer service: You can call Figo’s customer service at 844-738-3446 Monday through Saturday. You can also contact customer support by email, text, fax or chat.

Figo vs. competitors
Here’s how Figo stacks up against three other popular pet insurance companies.

Figo vs. Healthy Paws
Both Figo and Healthy Paws offer accident and illness policies with the option to choose no annual limit and a low $100 deductible. (Not all Healthy Paws deductibles are available to all pets.)

Compared with Figo, Healthy Paws pet insurance offers fewer coverage options to choose from. It doesn’t offer a wellness package, or the option to cover exam fees, prescription diets, behavior modification or burial costs — all things Figo can cover. Healthy Paws also won’t insure pets over the age of 14, while Figo has no upper age limit.

Healthy Paws covers hip dysplasia only for pets under six years old at the time of enrollment, and it doesn’t offer a 100% reimbursement option for all vet expenses like Figo does. But Healthy Paws does give the option to pay your vet directly, a convenient feature Figo doesn’t provide.

Coverage options

Figo

Healthy Paws

Deductible

$100 to $1,500 per year.

$100 to $1,000 per year. (Not all options are available to all pets.)

Reimbursement

70%, 80%, 90% or 100%.

50%, 60%, 70%, 80% or 90%. (Not all options are available to all pets.)

Annual limit

$5,000, $10,000 or unlimited.

Unlimited.

Figo vs. Trupanion
Both Figo and Trupanion pet insurance offer accident and illness plans with no annual limits. But Trupanion doesn’t offer wellness coverage, which means it won’t pay for things like parasite control, vaccinations or getting your pet spayed or neutered.

In most states, Trupanion doesn’t offer a 100% reimbursement option like Figo. It offers 90% reimbursement in every state but Florida, Texas, Arizona and Maine, where you can choose your own limit up to 100%.

The way Trupanion’s deductible works is unique. Unlike Figo, which has an annual deductible that applies to all accidents or illnesses in a given year, Trupanion’s deductibles apply to individual conditions and don’t reset each year. That means if your dog needs regular medication, you’ll only need to pay the deductible for that medication once, as opposed to once per year with Figo.

Trupanion offers a $0 deductible option. Pet owners in Florida, Texas, Maine and Arizona have no deductible at all. The lowest deductible Figo offers is $100.

Coverage options

Figo

Trupanion

Deductible

$100 to $1,500 per year.

$0 to $1,000 per condition (except in certain states, where no deductible applies).

Reimbursement

70%, 80%, 90% or 100%.

90% (except in certain states, where you can choose an amount up to 100%).

Annual limit

$5,000, $10,000 or unlimited.

Unlimited.

Figo vs. Nationwide
While Figo has a single accident and illness policy that you can customize, Nationwide has a variety of plans to choose from. Figo’s plan and Nationwide’s Whole Pet and Modular plans all reimburse you for a percentage of your vet bills. With Figo, you can choose up to 100% reimbursement, while Nationwide’s plans offer anywhere from 50% to 90%, depending on which one you buy. 

However, Nationwide also has a plan called Major Medical, which pays a set amount based on your pet’s diagnosis, regardless of what your vet charges. 

While Figo makes it easy to customize your plan online, Nationwide has policies and coverage options that are available only over the phone. Both companies offer 24/7 access to vet support.