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Is dog insurance worth it?

We spend more on our dogs than ever before. It is estimated that pet owners spend more than $15 billion a year on veterinary expenses alone. While the amount may be shocking, the fact that we are willing to spend so much to keep our pups healthy isn't surprising. After all, our dogs are companions and family. And when we are faced with an expensive procedure or treatment—without a financial safety net—it can be extremely difficult and even heartbreaking. 

The Importance of Healthcare Insurance for Dogs

Receiving bad news about the health of your dog, either through illness or an accident, can be very stressful. The good news is, there are far more medical options and procedures available today for dogs to help them through illnesses and injuries from accidents. Many of these modern treatments can be very expensive, however, rendering decision-making more difficult. Dog health insurance allows pet parents to focus on the best care for their pet without worrying about the cost of care.

When you have dog insurance, you have peace of mind knowing that up to 100 percent of your actual vet bill may be covered in the event of an accident or illness. Instead of costs, you can focus on getting your dog quality attention and treatment.

Learn more about health insurance for dogs.

How Dog Health Insurance Works

At Figo Pet Insurance, we want dog insurance to be easy to understand. Choose from one of three plans with reimbursement percentages and annual deductibles to best suit your budget. When there is an unexpected illness or injury to your dog, submit the vet bills to us. Depending on the plan you select, we may reimburse you up to 100 percent of those bills. Unlike other pet insurance plans, we even cover accident-or illness-related veterinary exam fees.

Like all dog insurance plans, Figo Pet Insurance excludes pre-existing conditions; though on a case-by-case basis, we may waive curable conditions. While we have a 14-day waiting period for non-pre-existing illnesses to be covered, accidents are covered after just five days. Your waiting period starts the day after you purchase coverage. For a complete list of what is covered and what isn’t covered, visit our online FAQ page.

Is Dog Insurance Worth It?

While researching pet insurance companies, you may ask yourself if a pet insurance plan is worth the cost. Here’s one customer’s story about having a Figo dog insurance plan:

"Since adopting my 4-year-old bulldog/pug mix, Guff, I've unfortunately had to file a few claims. First, he snorted a foxtail. Most recently, he had some vomiting that required a trip to the ER. I was most grateful to have Figo. When Guff's vet noticed potentially damaged teeth, it turned out the little guy needed six extractions! I was reimbursed almost $900 on a $1400 bill. I was very happy to have them! All my claims have been processed in a very timely fashion. Having Figo has given me great peace of mind because I don't have to worry about being able to afford getting Guff care when he needs it.” - John Hanawalt

Getting insurance coverage for your dog is simple: Tell us a little bit about your dog, then choose one of our three plans along with a reimbursement percentage and annual deductible. You can immediately see how changes in coverage affect your monthly premium. Select a plan that works best for you and submit your initial payment. With premiums averaging about $1.50 per day, Figo's dog insurance is not just valuable, it is affordable.

Editor’s Note: Figo Pet Insurance was recently named the best pet insurance company by

Stephanie N. Blahut is the Director of Marketing for Figo Pet Insurance. Figo is committed to helping pets and their families enjoy their lives together by fusing innovative technology--the first-of-its-kind Figo Pet Cloud--and the industry’s best pet insurance plans. 

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