Figo review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Figo is a US pet insurance broker for owners who would rather run a claim from their phone than wait on a call. Cover limits step from a set annual amount on the entry plan to an unlimited annual limit on the top plan, and the account is set up for monthly payments.

Key facts

Best for
Pet owners who want to start a claim in an app and follow its progress from there.
Insurance types
Pet (Source, checked September 26, 2026)
Provider type
Broker (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Cover limit
USD 5,000 to unlimited per year (Essential $5,000, Preferred $10,000, Ultimate unlimited) (Source, checked September 26, 2026)
Claims channels
Mobile app (Pet Cloud), Online claim tracker, Email, Phone (Source, checked September 26, 2026)
Age range
Policyholders 18 or older; pets covered from 8 weeks with no upper age limit (Source, checked September 26, 2026)
Legal entity
Figo Pet Insurance, LLC (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Pricing model
Monthly
Official website
figopetinsurance.com

Apps and profiles

Elsewhere
Trustpilot

Pros and cons

Pros

  • Claims can be started through mobile app (Pet Cloud), online claim tracker and email, so a policyholder picks a call or a screen.
  • Cover limits step from a set annual amount on the entry plan to an unlimited annual limit on the top plan.
  • Policyholders must be adults and pets are covered from a young age, with no upper age limit.
  • Holds licences with the Illinois Department of Insurance, the California Department of Insurance, the New York Department of Financial Services, the Texas Department of Insurance and the Florida Office of Insurance Regulation.

Cons

  • Support runs on email and phone only, so there is no live chat or help centre listed.
  • Figo is a broker, so the cover sits with an underwriter rather than Figo itself.
Figo

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Scored 8.9 / 10 by AssureCue.

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Who it suits

  • Owners who want to raise a claim and track it in an app
  • Pet parents who want an unlimited annual limit rather than a fixed cap
  • Adults buying for a pet, since policyholders must be adults

Who should look elsewhere

  • Shoppers who want pet cover beside home, auto or life, since Good Sam Insurance Agency covers auto, home and renters
  • Readers who want dental cover in the same place, as ComparaJa lists auto, life and health
  • Anyone after renters cover alongside the policy, since bonus.ch lists auto, home and life without it

Safety and regulation

Figo is a broker, so the policies sit with an underwriter while Figo handles the customer side. Its licence record names the Illinois Department of Insurance (100629614), the California Department of Insurance (0K02763), the New York Department of Financial Services (PC-1362903), the Texas Department of Insurance (1960094) and the Florida Office of Insurance Regulation (L091577).

Who runs it

The business behind the policy is Figo Pet Insurance, LLC, registered in the US, and day to day questions are handled on email and phone. The same regulator names sit in its licence record, including the Illinois Department of Insurance (100629614) and the Florida Office of Insurance Regulation (L091577).

How Figo compares

Where Figo is available

Available
United States
Licence in United States
Illinois Department of Insurance (100629614), checked September 26, 2026
Licence in United States
California Department of Insurance (0K02763), checked September 26, 2026
Licence in United States
New York Department of Financial Services (PC-1362903), checked September 26, 2026
Licence in United States
Texas Department of Insurance (1960094), checked September 26, 2026
Licence in United States
Florida Office of Insurance Regulation (L091577), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Is Figo an insurer or a broker?+

Figo is a broker registered in the US, so policies are placed with an underwriter while Figo handles the account, the documents and the claims. Buyers deal with Figo for quotes and cover, and the insurer behind the policy is a separate company.

How do I make a claim?+

Claims can be raised and followed through mobile app (Pet Cloud), online claim tracker and email, so a policyholder can start online, by email or by phone and then watch progress on the online claim tracker. The mobile app sits in the same list, which keeps the paperwork in one place.

How do I reach customer support?+

Day to day questions go to email and phone, and that is the whole support list. Claims have a wider set of routes, which is worth knowing if you prefer to start a claim yourself online rather than wait on a call.

Which regulators is Figo licensed by?+

The licence record names the Illinois Department of Insurance (100629614), the California Department of Insurance (0K02763), the New York Department of Financial Services (PC-1362903), the Texas Department of Insurance (1960094) and the Florida Office of Insurance Regulation (L091577), all in the US.

Can I pay monthly or is it annual only?+

Monthly payments are available, and monthly is the only pricing model listed, so no annual payment option is set out here. The account is set up for monthly billing from the start rather than a yearly renewal.

How much can a claim be paid out?+

Cover limits run from a set annual amount on the entry plan, through a higher annual amount on the middle plan, to an unlimited annual limit on the top plan, and the policy is pet cover only as listed under pet.

Who can be covered?+

Policyholders must be adults, and pets are covered from a young age with no upper age limit, so an older animal can still be insured on the same account. Cover is arranged by a broker rather than underwritten by Figo itself.

Sources

  • figopetinsurance.com checked September 26, 2026

    Backs: Insurance types

    “Flexible, reliable pet insurance for intentional, modern pet parents.”

  • figopetinsurance.com/dog-insurance checked September 26, 2026

    Backs: Claims channels, Cover limit, Pricing model, Monthly payments

    “Upload your vet bill and visit the claim tracker for updates”

  • figopetinsurance.com/what-are-figos-terms-use checked September 26, 2026

    Backs: Age range, Provider type, Headquarters, Legal entity, Support channels, Licences

    “Figo sites or services are offered and available solely to users who are 18 years of age or older and who reside in the United States.”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from.

Figo

Figo

Pet owners who want to start a claim in an app and follow its progress from there.

8.9/10See alternatives

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