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Pet Insurance policies are underwritten by Independence American Insurance Company.

New Policy, New Perks

We're thrilled to announce that we're transitioning some of our Figo Family onto a new insurance policy, which includes new optional coverage.

woman cuddling with dog

We're thrilled to announce that we're transitioning some of our Figo Family onto a new insurance policy, which includes new optional coverage.

We advocate for our customers to ensure that everyone pays a fair price year over year, but rates do increase due to a number of factors, including your pet aging and advances in veterinary treatment. That’s why it’s important to us that the new benefits you’ll receive will only increase the value you get from your policy.

As a direct response to customer requests, our new product includes two benefits we’re thrilled to offer: 

Optional Wellness Powerup

Add preventative care coverage to your policy to help offset the cost of routine expenses like vaccines, microchipping, spaying and neutering, and dental cleanings.

Look at it this way - you get yearly exams and check-ups. So should your pet! Routine exams, vaccines, and other preventative care is just the recipe for happy, healthy pets. In fact, preventative care alone can cost pet parents over $400 annually - yikes. Wellness coverage can help alleviate the cost of these annual check-ups. Our wellness coverage is reimbursed in fixed amounts.

Note that this is different from accident and illness coverage, which is processed through your selected customizable deductible and reimbursement amounts. The fixed amounts for our Wellness Powerup include:

  • Wellness exam - 

    Basic - $20 / Plus - $40

  • Vaccines - 

    Basic - $30 / Plus - $50

  • Spay/Neuter or Dental Cleaning -

     Basic - $40 / Plus - $75

  • Testing -

     Basic - $20 / Plus - $45

  • Microchip or Health Certificate -

     Basic - $15 / Plus - $30

  • Deworming -

     Basic - $10 / Plus - $10

Optional Extra Care Pack Powerup

Enjoy peace of mind with reimbursement toward lost pet costs, vacation cancellation due to pet illness or emergency, final respect costs, and more.

If your pet is stolen or strays during your policy term, we’ll pay up to the maximum annual benefit of your policy for advertising or reward. If your pet passes away due to illness or injury during the policy period, we will pay up to $250 for cremation or burial expenses. We will pay up to the annual maximum benefit of your plan for any travel accommodation costs that you cannot recover due to delaying, canceling, or interrupting a vacation because your pet requires life-saving treatment.

Figo also offers coverage for the cost of boarding your pet at a licensed kennel during a period that you are in the hospital. We will pay up to $150 if your pet is stolen or goes missing during the policy period and is not found within 30 days. Lastly, we will pay a maximum of $10,000 per policy period if you become legally liable to pay for property damage because of the actions of your pet.

You can only add these optional coverages during your renewal period, so don’t wait!

Still have questions?

We remain committed to making pet insurance accessible for all so that no one is forced to choose between their pet and their savings. For questions or concerns, don’t hesitate to reach out to our Customer Support Team – they’re standing by to answer any questions you may have about your individual policy. 

Thank you again for being a member of our Figo family. 

Pssst: Looking to lower your monthly rate? You can easily adjust your plan details in your Pet CloudHere’s our advice on how to adjust your policy to achieve the rate that’s right for you.


Lizz Caputo is a Content Strategist at Figo, animal enthusiast, and owner of a rescued senior American Bully. Her hobbies include checking out new restaurants in her area, boxing, and petting dogs of all shapes and sizes.

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No one is permitted to sell, solicit or negotiate an insurance policy without a producer license in the state in which the plan is sold, and all prospects should be directed to Figo Pet Insurance. The information contained in this website is for illustrative purposes only and coverage under any pet insurance policy is expressly subject to the conditions, restrictions, limitations, exclusions (including pre-existing conditions), and terms of the policy documentation issued by the insurer. Availability of this program is subject to each state’s approval and coverage may vary by state. Coverage underwritten by Independence American Insurance Company (IAIC), a Delaware Insurance Company, 11333 North Scottsdale Road Suite 160 Scottsdale, AZ 85254. Live Vet and the Figo Pet Cloud are separate non-insurance services unaffiliated with IAIC.

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