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Cat insurance: Protect all the members of your family

What is cat health insurance?

We love our ever-curious cats, but even the silliest of feline shenanigans can lead to vet bills that aren’t in the budget. The good news is, there are far more medical options and procedures available today for cats to help them through unexpected accidents and illnesses. In these instances, a cat insurance plan can help save your kitty and your bank account.



Comprehensive Cat Insurance

We designed our plans to be straightforward and simple, so you can spend less time choosing and more time with your cat. With Figo:

  • Our cat insurance plans cover unexpected illnesses and accidents.
  • Visit any licensed veterinary practice, emergency hospital or specialist, worldwide.
  • Our three flexible plans can be customized to meet your budget and coverage needs.
  • We may reimburse up to 100% of your actual vet bill with options for unlimited annual benefits.

A cat usually has 24 whiskers

Petting cats helps lower blood pressure

A cat can jump up to 5x its own height

Cats have 32 muscles in each ear

I’ve had Figo for a little over a year and submitted claims on several occasions for my two cats. In the past two months, I had a couple of fairly large claims and to my surprise, Figo processed and paid them in less than 4 days. Very impressive!”


– Carol B.

Laptop with Figo Pet Insurance quote

How Cat Health Insurance Works

Just like humans, pets often experience unexpected health related emergencies. Adding to the challenge of trying to safeguard against all possible disasters, is the fact that they can’t speak up and tell us when they begin to experience any new discomforts, offering alert to an oncoming emergency.

At Figo Pet Insurance, we want cat insurance to be straightforward. Select from three plan options and customize your reimbursement percentage and annual deductible to best suit your budget. When your cat has an unexpected illness or injury, submit the paid veterinarian bills to us. Based on your chosen plan, we may reimburse you up to 100 percent of your covered veterinary charges. Unlike other cat insurance plans, we even provide the option of covering accident-or illness-related veterinary exam fees and consultations.

Similar to competitor insurance plans, Figo excludes pre-existing conditions. And while we have short waiting periods for new illnesses and accidents, they begin the day after you purchase coverage. For a general list of what is covered and what isn’t covered, see below.

Blue check mark

What Does Figo Cover?

From comprehensive coverage to wellness, we're with you and your pet for the long haul.

  • Emergency & Hospitalization
  • Surgeries
  • Veterinary Specialists
  • Diagnostic Testing
  • Knee Conditions
  • Prosthetics & Orthopedics
  • Hereditary & Congenital
  • Prescriptions
  • Hip Dysplasia
  • Chronic Conditions
  • Dental Illness & Injury
  • Imaging
  • Cancer Treatments
  • Wellness Coverage (Optional Add On)
  • Veterinary Exam Fees (Optional Add On)

Wellness is not available in all states. Refer to your policy for complete details regarding coverage, limitations, and exclusions.

See Full Coverage Details
Not covered icon

What Does Figo Not Cover?

At Figo, we have nothing to hide. We think it is just as important to show you what isn't covered.

  • Pre-existing Conditions
  • Experimental Procedures
  • Breeding, Pregnancy or Giving Birth
  • Cloned Pets or Cloning Procedures
  • Cosmetic Surgery
  • Most Parasites
See Full Coverage Details

Health Insurance Plans For Cats and Kittens

The total cost of cat ownership can reach $1,000 in the first year, and up to $500 in yearly costs thereafter—even without accounting for unforeseeable emergency expenses. Add in unexpected vet visits, and those costs increase. Fortunately, for a manageable monthly fee, you can purchase a cat health insurance plan and reduce worry from having to shell out exorbitant money for your cat’s emergency care.


Healthcare for Kittens

In addition, the ever-curious kitten can get itself into trouble. Kittens may get scared and dart out of the front door; and they may unintentionally nosh on dangerous and toxic non-edible items around the house. These common kitten mishaps can lead to vet bills that aren’t in the budget. It is in these instances kitten health insurance can save your pet and your bank account.

Healthcare for Adult and Senior Cats

Cat insurance can save the day when your cat becomes sick or injured and emotions are running high. And senior cats are more prone to chronic illnesses—like diabetes, thyroid issues, and kidney problems. So, we keep cat insurance simple to give you the freedom to focus on what’s important. You have the option to choose from one of three plans with reimbursement percentages and annual deductibles that suit your budget. Once you choose your plan options and sign up, the rest becomes easier.

Is Cat Insurance Worth It?


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

“We have the unlimited plan for our two cats, Draco and Luna. Draco (2.5 years old) fell very ill and within a few hours, we were in the emergency vet. He had many blood transfusions and stayed overnight a couple times. It ended up being Leukemia in his bone marrow. Over the course of a couple days, we spent $5,494.00 and Figo reimbursed us $5,214.00 within a week and a half. It would have been quicker if the vet receipts had been itemized correctly: The emergency vet we went to had issues giving us appropriate receipts, so Figo contacted them for me immediately and settled any issues. After euthanizing him, a Figo rep assisted me in canceling his insurance and reimbursing us. Every representative I spoke with was extremely polite and went out of their way to help me. I am so thankful I did good research and picked this company!” –Emma P.

Providing insurance coverage for your cat is simple: Tell us a little bit about your kitty, then choose one of our three plans along with a reimbursement percentage and annual deductible. You can immediately see how your selections impact your monthly premium. Select a plan that works best for you and your cat, then submit your initial payment. With premiums averaging about $1.50 per day, cat insurance plans from Figo are not just valuable, they are also affordable.