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A Message from Our Partners at CareCredit

CareCredit credit card is a flexible, friendly way to pay for eligible vet care at enrolled locations

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.*

Apply Now

*Subject to credit approval. See carecredit.com for details.

CareCredit is a credit card 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.

Pay with your CareCredit health & wellness credit card at enrolled locations*
Make big vet bills less scary by spreading them into easy monthly payments
From routine vet care to emergencies, CareCredit helps ensure you can pay for pet care when they need it.*

*Subject to credit approval

Beyond emergency vet bills, use it for out-of-pocket costs anywhere in the CareCredit network

Your own 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

Figo Pet Insurance and CareCredit work together to help simplify how you pay and get reimbursed. Let’s break it down:

Vet bill?
Bring your pet to a vet office within the CareCredit network for treatment. Use your CareCredit health and wellness credit card to pay the upfront cost.
Submit
Submit your claim to Figo (our PetCloud app makes it easy!) and select CareCredit as your direct reimbursement payment method.
Get back to playtime
Once your claim is processed, you will receive an automatic reimbursement credit to your CareCredit credit card for eligible expenses**. It’s that simple!

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The bottom line

See if you prequalify for a CareCredit credit card in seconds – it won't affect your credit score.

Apply Now

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

** Charges not covered by insurance are the responsibility of the accountholder, and purchases with promotional financing must be paid within the promotional. See your CareCredit Assignment Agreement for details on reimbursement.

CareCredit is a credit card 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.