Figo Pet Insurance
Maximum reimbursement & tech-forward owners
Comprehensive
Est. monthly (dog)
~$41/mo
Est. monthly (cat)
~$29/mo
Reimbursement
70%, 80%, 90%, 100%
Annual deductible
$100–$750
Annual max
$5,000–Unlimited
Age range
Any age (no upper limit)
Illness wait
14 days
Accident wait
1 day
✓ Curable pre-existing conditions eligible after 12 symptom-free months
Praised for
- ✓Unique 100% reimbursement option (no other insurer offers this)
- ✓No upper age limit; one annual deductible across all claims
- ✓24/7 Live Vet and optional exam-fee and rehab add-ons
Watch out for
- ✗Comprehensive coverage only — no accident-only plan
- ✗100% reimbursement tier carries higher premiums
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