Figo price increase:
what owners actually paid
Updated
From state rate filings
No owner reports yet. Add your Figo renewal to show what owners actually paid.
By pet age
| Age | Median | Reports |
|---|---|---|
| Puppy/kitten–2 yrs | — | 0 |
| 3–5 yrs | — | 0 |
| 6–8 yrs | — | 0 |
| 9+ yrs | — | 0 |
By claims filed this past year
| Claims | Median | Reports |
|---|---|---|
| No claims | Not enough reports yet | 0 |
| 1 claim | Not enough reports yet | 0 |
| 2 or more claims | Not enough reports yet | 0 |
Optional question on the form. A median shows once a row has 5+ reports.
Filed rate changes
| State | Date | Avg change | Status | Source |
|---|---|---|---|---|
| NJ | Effective 2026-10-01 | +17.6% | Filed Independence American Insurance Company | ERRRA: Figo NJ filing ERRRA Indicated 38.6%; individual changes range 8.2% to 25%. |
| FL | Effective 2026-05-01 | +27.1% | Filed Independence American Insurance Company | ERRRA: Figo FL filing ERRRA Proposed overall increase of approximately 27.1% for medical coverages. |
| TN | Effective 2026-05-01 | +14% | Filed Independence American Insurance Company | ERRRA: Figo TN filing ERRRA Medical coverages, new business and renewals. Prior increase 5.2% effective Jan 1, 2025. |
From public state insurance rate filings (state DOI lists and SERFF) and news reports that quote them. Where we have the regulator's own record we link it first; "(summary)" links a news write-up. A filed average is across all policyholders, so one pet's increase can be very different.
Common questions
How much is Figo raising prices?
We don't have enough owner reports for Figo yet to give a reliable number. Adding yours helps everyone.
Why did my Figo premium go up?
Most pet insurers raise premiums each year as your pet ages, and also when vet costs rise in your area. Increases are filed with state regulators, which is why they vary by state.
Should I switch from Figo?
Here is what typically changes when you move to a new insurer. A new policy usually treats any condition your pet already has, or had recently, as pre-existing and excludes it. New policies typically start with waiting periods before accident and illness coverage begins. The new premium is priced on your pet's current age, plus the deductible and reimbursement level you pick.