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Home / Pets / Pet Insurance / Figo
8.1 Tested Aug 19, 2026 by Team RankingRight

Figo (Accident & illness, 100% option) review 2026

The only insurer here offering 100% reimbursement, with a one-day accident wait and a pet cloud app that holds records and vet chat

Figo Pet Insurance Figo
Manufacturer product image from figopetinsurance.com, used to illustrate our review of the product; copyright remains with the manufacturer.
PriceFrom $40 · checked Sep 11, 2026
Labrador, age 240 $/mo
Cat, age 320 $/mo

Is the Figo Worth It?

Best app and fastest accident cover. Figo is a well-run modern insurer with the shortest accident wait and genuine flexibility on reimbursement. The add-on structure means comparing it fairly takes a minute of arithmetic.

Figo Pros & Cons

Pros
  • 100% reimbursement is available — no other insurer in the test offers it
  • One-day accident waiting period
  • Pet Cloud app stores records, finds vets and includes 24/7 vet chat
  • Unlimited annual payout on higher tiers
Cons
  • Exam fees and dental are paid "powerups"
  • Six-month orthopaedic wait
  • The 100% option raises the premium sharply

Figo at a Glance

8.1 Editor Score
What is coveredAccidents, illness, hereditary and congenital conditions, dental disease, behavioural therapy, prescription food, exam fees — read from the policy, not the marketing page.
24/30
Limits & exclusionsAnnual or per-condition payout caps, age limits, waiting periods, how a pre-existing condition is defined and whether curable ones can be reinstated.
17/20
PriceMonthly premium for our four test pets at 80% reimbursement with a $500 deductible, and how much the premium rises with age.
16/20
Claims & payoutHow claims are filed, published processing times, direct payment to the vet, and complaint volume in state insurance filings.
15/20
Wellness & extrasOptional wellness plans, 24/7 vet lines, multi-pet discounts, deductible that shrinks in claim-free years.
9/10
Reader ratingNo reader ratings yet — not part of the score
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Rubric v1: What is covered 30 · Limits & exclusions 20 · Price 20 · Claims & payout 20 · Wellness & extras 10. Score = Σ ÷ 10, locked Sep 11, 2026. How we rank.

Where to buy — prices checked Sep 11, 2026

Figo — $40

Best priceVisit Site

Figo specifications

Our quote: 2-year-old Labrador40 USD/mo
Our quote: 3-year-old domestic cat20 USD/mo
Reimbursement options70–100%
Deductible options$100–$750
Unlimited annual payoutYes, on some plans
Waiting periods1 day accident, 14 days illness, 6 months orthopaedic
Exam fees coveredPowerup add-on
Dental illnessPowerup add-on
Direct vet paymentNo
Wellness add-onYes, powerup
Upper age limitNone

Why it scored 8.1

Figo is a well-run modern insurer with the shortest accident wait and genuine flexibility on reimbursement. The add-on structure means comparing it fairly takes a minute of arithmetic.

Where it loses

Add-on pricing.

Still the right pick for

Owners who want 100% back and a good app.

What owners say

No reader ratings yet. This block fills in from real submissions only — we never write, buy or generate reader reviews, and none of them touch the editor score.

Figo8.1 · $40
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