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Pet Insurance policies are underwritten by Independence American Insurance Company.

Figo's Five Days of Giveaways Terms & Conditions

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The Figo Pet Insurance 5 Days of Giveaways is open to legal residents of the United States who sign up at Entrants must be 18 years or older as of their date of entry in this promotion in order to qualify. This giveaway is subject to federal, state, and local laws and regulations and void where prohibited by law. Figo Pet Insurance, Merci Collective, Messy Mutts, Made by Nacho, FunnyFuzzy, and Tearrible Instincts employees, their subsidiaries, affiliates, suppliers, partners, advertising and promotion agencies, and directors (collectively the “Employees”), as well as members of an Employees' immediate family and/or those living in the same household of Employees are ineligible to participate in the Figo Pet Insurance 5 Days of Giveaways.

Sponsorship. Day 1

The sponsor is Merci Collective, located at 1501 W Washington Blvd, Los Angeles, CA 90007. Day 2: The sponsor is Messy Mutts, located at 201 Wicksteed Ave. Suite #5 Toronto, ON. Day 3: The sponsor is Tearrible Instincts, located at 4417 13th St., St. Cloud, FL, 34769. Day 4: The sponsor is Made by Nacho, located at 82 Nassau Street, #60278 NY, NY 10038. Day 5: The sponsor is FunnyFuzzy, located at 350 Northern Blvd, Suite 324-1331 Albany, NY 12204. Sponsors will conduct the Giveaway substantially as described in these Official Rules.

Agreement to Rules

By entering this Giveaway, the Entrant (“You”) agrees to abide by the Sponsor's Official Rules and decisions, which are fully and unconditionally binding in all respects. The Sponsors reserve the right to refuse, withdraw, or disqualify any entry at any time at the Sponsor’s sole discretion. By entering this Giveaway the You represents and warrants that You are eligible to participate based on eligibility requirements explained in the Official Rules. You also agree to accept the decisions of the Sponsor as final and binding as it relates to the content of this Figo Pet Insurance 5 Days of Giveaways.

Figo Pet Insurance 5 Days of Giveaways Entry Period

Day 1 of this promotion begins on 12/12/22 at 9am CST and will end on 12/16/22 at 11:59pm CST. To be eligible for the Giveaway, entries must be received within the specified Entry Period for the specified Giveaway.

How to Enter

Eligible entrants can enter The Figo Pet Insurance 5 Days of Giveaways by doing all of the following:

Follow @figopet and (@mercicollective_official, @messymutts, @tearribleinstincts, @madebynacho, OR @funnyfuzzy_pet depending on the specified giveaway day)

Tag a friend in the comments

Share the Giveaway post to their Instagram story. Entrants on Day 4 will be required to like the post in place of sharing it to their Instagram story.



As a participant, your entry must fully meet all Giveaway requirements, as specified in the Official Rules, in order to be eligible to win a prize. Incomplete entries or those that do not adhere to the Official Rules or specifications will be disqualified at the Sponsor's sole discretion. Entrant must be over 18 to qualify and a resident of the United States. Fraudulent methods of entry or circumvention of the rules may result in the Sponsor invalidating your entries and removing them from the Figo Pet Insurance 5 Days of Giveaways at the Sponsor’s sole discretion.


The Winner(s) of the Figo Pet Insurance 5 Days of Giveaways Giveaway (the “Winner”) will receive (1) Merci Collective Urban Oasis Crystal-Infused Water Bottle ($72.00 Value), OR (3) Messy Mutts Silicone Treat Molds and (1) Messy Mutts Double Wall Vacuum Insulated Stainless Steel Dog Travel Water Bottle ($92.00 Value), OR (1) Tearribles Virus Dog Toy, (1) Tearribles Reflective Leash, and (1) Tearribles Waste Bag Dispenser ($70 Value), OR (1) Nacho’s Fish Market Cat Scratcher House, (1).7oz pouch of Freeze Dried Ahi Tuna Treats, (1) .7oz pouch of Freeze-Dried Chicken Breast Treats, and (1) 3oz Minced Canned Variety Pack ($75.96 value), OR (1) FunnyFuzzy Leaf-Shaped Dog Blanket ($40 Value). The actual/appraised prize value may differ at the time the prize is awarded. The prize(s) shall be determined solely by the Sponsor. There shall be no cash or other prize substitution permitted except at the Sponsor’s discretion. The prize is non-transferable. The Winner, upon acceptance of the prize, is solely responsible for all expenses related to the prize, including without limitation any and all local, state, and federal taxes. The Winner shall not transfer assignment of the prize to others nor shall the Winner request the cash equivalent or prize substitution. By accepting the prize, the selected Winner grants permission for the Sponsor to use the Winner’s likeness, entry, and name for purposes of advertising and trade without further compensation unless prohibited by law


The total number of eligible entries received determines the odds of winning.

Selection and Notification of Winner: The Winner will be selected by a random drawing under the supervision of the Sponsor. Figo will notify the Winner(s) by Instagram DM or e-mail within seven (7) days following Winner selection. The Sponsor is not responsible for nor shall have no liability for Winner’s failure to receive notices due to security settings that may cause notifications to be marked as spam or junk email. Nor shall be Sponsor be liable for the Winner’s provision of incorrect or otherwise non-functioning contact information. If the Winner 1) fails to claim the prize within 7 days from the time the award notification was sent, 2) is found ineligible, or 3) does not complete and return an executed declaration and release within the specified timeframe, the prize may be forfeited and an alternate Winner may be selected. Receipt of the prize (offered in the Figo Pet Insurance 5 Days of Giveaways) by the Winner is upon the condition of compliance with any and all federal, state, and local laws and regulations. IF THE WINNER VIOLATES ANY OF THESE OFFICIAL RULES, THE WINNER (AT THE SPONSOR’S


Rights Granted by You

By submitting an entry into this Giveaway, You understand and agree that the Sponsor, any individual acting on the Sponsor’s behalf, and the licensees successors, and assigns of the Sponsor shall, where permitted by law, have the right to print, publish, broadcast, distribute and use in any media known now or hereafter developed, in perpetuity, worldwide, and without limitation, your submission, name, photo, portrait, voice, likeness, image, statements about the Figo Pet Insurance 5 Days of Giveaways, and your biographical information for news, publicity, advertising, promotional purposes, trade, information, and public relations without any further notice, review, consent, compensation, or remuneration.

Terms & Conditions

In its sole discretion, the Sponsor reserves the right to modify, suspend, cancel, or terminate the Figo Pet Insurance 5 Days of Giveaways should non-authorized human intervention, a bug or virus, fraud, or other causes beyond the Sponsor’s control, impact or corrupt the security, fairness, proper conduct, or administration of the Figo Pet Insurance 5 Days of Giveaways. The Sponsor, in the event of any of the above issues, may determine the Winner based on all eligible entries received prior to and/or after (if appropriate) the action taken by the Sponsor. Individuals who tamper with or attempt to tamper with the operation or entry process of the Giveaway or website or violates these Terms & Conditions will be disqualified by the Sponsor in its sole discretion. In its sole discretion, the Sponsor has the right to maintain the integrity of the Figo Pet Insurance 5 Days of Giveaways, to void votes for any reason, including, but not limited to: multiple quotes from the same user; multiple entries from the same computer beyond the number allowed by the Giveaway rules; or the use of bots, macros, scripts, or other technical means for entering. Attempts by any entrant to deliberately damage any website or undermine the legitimate operation of the Figo Pet Insurance 5 Days of Giveaways may be a violation of criminal and civil laws. If any such attempt is made, the Sponsor reserves the right to seek damages to the fullest extent permitted by law.

Limitation of Liability

Your entry into this Giveaway constitutes Your agreement to release and hold harmless Instagram, the Sponsor and its subsidiaries, representatives, affiliates, partners, advertising and promotion agencies, successors, agents, assigns, directors, employees, and officers against and from any and all claims, liability, illness, injury, death, litigation, loss, or damages that may occur, directly or indirectly from participation in the Giveaway and/or the 1) Winner accepting, possessing, using, or misusing of any awarded prize or any portion thereof; 2) any type of technical failure; 3) the unavailability or inaccessibility of any transmissions, phone, or Internet service; 4) unauthorized intervention in any part of the entry process or the Promotion; 5) electronic error or human error in the Promotion administration or the processing of entries.


THIS GIVEAWAY IS GOVERNED BY THE LAWS OF THE UNITED STATES AND ILLINOIS, WITHOUT RESPECT TO CONFLICT OF LAW DOCTRINES. The Entrant agrees, as a condition of participating in this promotion, that if any disputes cannot be resolved between the Entrant and the Sponsor, and if causes of action arise out of or are connected with this Giveaway, they shall be individually resolved exclusively before a court located in Illinois having jurisdiction, without resorting to any form of class action. Under no circumstances in any such dispute shall the participant be permitted to obtain awards for, and hereby waives all rights to, punitive, incidental, or consequential damages, including reasonable attorney’s fees, other than participant’s actual out-of-pocket expenses (i.e. costs associated with entering this Giveaway). The participant waives all rights to have damages multiplied or increased.

Privacy Policy

Information submitted with an entry is subject to the Privacy Policy stated on the Figo Pet Insurance website as well as the Privacy Policy stated on the Sponsor’s Website.

Click here to read Figo’s Privacy Policy. Click here to read Merci Collective’s Privacy Policy. Click here to read Messy Mutts’s Privacy Policy. Click here to read Tearrible Instincts’s Privacy Policy. Click here to read Made by Nacho’s Privacy Policy. Click here to read FunnyFuzzy’s Privacy Policy.

Winners List

You may obtain a copy of the Winner’s name(s) or a copy of these Official Rules, by sending your request via mail with a stamped, self-addressed envelope to: Figo Pet Insurance 223 W Erie St, Chicago, IL 60654, USA. Requests must be postmarked no later than 12/30/22.

Instagram-Specific Rules

The Figo Pet Insurance 5 Days of Giveaways hosted by Figo Pet Insurance is in no way sponsored, endorsed, administered by, or associated with Instagram.