Pet Insurance policies are underwritten by Independence American Insurance Company.
A Message From Our Partners at CareCredit
The flexible, friendly way to pay for eligible vet care
Add an Additional Safety Net to Your Pet Parent Toolkit
See if you prequalify for CareCredit instantly with zero impact on your credit score. Enjoy the convenience of monthly payments for costs not covered by insurance.*
*Subject to credit approval. See carecredit.com for details. CareCredit is a credit product offered by Synchrony Bank. Figo Pet Insurance does not own, administer, or make decisions regarding CareCredit. An affiliate of Synchrony Bank holds a minority equity interest in an affiliate of Figo Pet Insurance.
CareCredit
Think of it as an easy solution to pet insurance's biggest problem.
Use CareCredit* now at locations that accept CareCredit, get reimbursed with your Figo plan later
*Subject to credit approvalMake big vet bills less scary by spreading them into easy monthly payments
From routine vet care to emergencies, CareCredit helps ensure you've got options
Beyond emergency vet bills, use it for out-of-pocket costs anywhere in the CareCredit network
Your own eligible healthcare costs (yes, really – from dental to vision to hearing)
Routine pet expenses like annual check-ups and vaccines
Sudden vet visits when your pet decides 3 AM is the perfect time for a crisis
Vet bills are soaring
Here's what other pet insurance companies aren't talking about.
Vet costs have shot up 60% in the last decade1.
Last year alone, urban vet services jumped 7.9%2 (more than 2.5x higher than regular inflation).
When over half of Americans say they can't cover a $1,000 emergency3, "just wait for reimbursement" isn't a real solution.
The real talk on reimbursement
Let's be upfront: Most pet insurance companies reimburse you after you pay. It's not a perfect system.
Why do they do it this way? So you and your vet can make quick decisions about care without waiting for insurance approvals. Less red tape, faster treatment. But of course, facing a $3,000 emergency vet bill isn't fun, even if reimbursement is coming later.
How it works
When you combine Figo Pet Insurance with the CareCredit credit card, you're helping cover yourself from every angle. Let's break it down:
Vet bill?
Use CareCredit to pay the upfront cost
Submit
Submit your claim to Figo (our Pet Cloud app makes it ridiculously easy)
Get reimbursed
Get your eligible reimbursement directly to your CareCredit credit card (lightning fast in just 2.4 working days on average⁴)
It's that simple. You’d do anything for your pet – it’s our goal to help make that easier.
The bottom line
See if you prequalify for a CareCredit credit card in seconds – it won't affect your credit score. Less stress, just help when you need it.
Sources:
1, 2 Table 2. Consumer Price Index for All Urban Consumers (CPI-U): U. S. city average, by detailed expenditure category - 2024 M09 Results (bls.gov)
3 56% of Americans can't cover a $1,000 emergency expense with savings (cnbc.com)
4 Figo claims data, 2024 YT
CareCredit is a credit product offered by Synchrony Bank. Figo Pet Insurance does not own, administer, or make decisions regarding CareCredit. An affiliate of Synchrony Bank holds a minority equity interest in an affiliate of Figo Pet Insurance.