Pet Insurance policies are underwritten by Independence American Insurance Company.
What Is Covered
by Pet Insurance?
Pets deserve the best care
What does Figo Cover?
Vet bills and medical treatments can be unpredictable and pricey. To avoid racking up major expenses, many pet parents choose to purchase pet insurance.
Pet insurance ensures your dog or cat will be covered in the event of an accident, emergency, or surprise illness. So, what specifically does pet insurance cover?
Click the icons below to learn more about each condition:
Common Illnesses
From the sniffles to skin issues and everything in between.Accidents and Emergencies
Here for you when the unpredictable happens.Wellness and Preventative Care
Optional coverage toward the cost of yearly exams, vaccines, diagnostic tests, & more.Chronic Conditions
Ongoing care can add up. Figo covers conditions that aren't pre-existing for the life of your pet.Hereditary and Congenital Disorders
Like us, pets have unique health histories. Pet insurance can help you afford covered treatments for illnesses your pet inherits.Cancer
Your pet deserves a fighting chance. We'll help with covered costly treatments like radiation, chemo, surgeries, and more.
What else
is covered
Pet Cloud
Surgeries
Veterinary Specialist Treatments
Dental Illness & Injury
Holistic & Alternative Treatments
Pet Cloud
Surgeries
Veterinary Specialist Treatments
Dental Illness & Injury
Holistic & Alternative Treatments
Powerups
Game-changing optional coverage - because choice is essential
Wellness Coverage
Money back for exams, vaccines, & other routine care so pets stay happy and healthy.
Veterinary Exam Fees
Coverage for exam or consultation fees associated with the diagnosis and treatment of your pet, beyond preventative care.
What’s not covered
Pre-existing Conditions
Experimental Procedures
Breeding, Pregnancy or Giving Birth
Cloned Pets or Cloning Procedures
Cosmetic Surgery
Our Pets Need
a Lot of Care
No Per Incident Caps
We don’t cap claim payments by condition, so you can make the most of your plan.
Coverage for Curable Pre-Existing Conditions
We may cover "curable" pre-existing conditions if they show no signs/symptoms within 12 months of treatment.
Lighting Fast Claims
Less waiting for you, $$ quicker than ever. On average, most claims close in just 2.6 working days.
Figo Wellness
Stay on top of yearly exams & more with preventative coverage!
Live Vet
Free 24/7 access to a licensed veterinary professional. Here for you during emergencies, no matter when they happen.
Personalized Pet Tag
Synced to your Pet Cloud. Helps reunite you and your pet if they go missing.
Not available in all states
Pet Insurance Makes a Big Difference
Fast claims, so you and your dog can get back to playtime
Fun fact
Unlike human health insurance, pet parents can typically go to the veterinarian of their choice without having to worry about finding an “in-network” professional.
Read Our Blog
Questions?
We have answers!
Insurance jargon can be confusing. At Figo, we’re all about making the process simple and seamless.
Pet insurance allows pet parents access to the best medical care for their dog or cat, regardless of budget. It’s a health care policy that reimburses you for certain medical costs and veterinary bills related to accidents, emergencies, and illnesses. The specific services and treatments covered vary depending on your plan of choice.
In general, pet insurance covers a wide range of accidents, illnesses, and preventative care. The type of coverage a customer needs will vary from pet to pet. At Figo, we offer customizable coverage without the confusion. Pick from one of three robust plans, then add Powerups like Wellness and Veterinary Exam Fee Coverage.
Deductibles
The amount you spend on your pet’s medical care before insurance kicks in. This is chosen when you pick your policy. Selecting a higher deductible can bring the total cost of your policy down, while selecting a lower deductible means you’ll pay less before insurance begins covering eligible expenses.
Waiting Periods
The time period before coverage begins. At Figo, we have a one-day waiting period for accidents related to injury – one of the lowest in the industry. We also introduced an Orthopedic Conditions waiver (accessible from your Pet Cloud) that eliminates the 6-month orthopedic condition waiting period within the first 30 days of the policy. That means less waiting for you, and $$ back quicker than ever!
Annual or per-incident maximum
The maximum amount that Figo will reimburse you per year.
Copayments
The amount of the cost of care you are responsible for incurring per accident, illness or injury per Veterinary Provider treating, diagnosing or performing tests for such accident, illness or injury.
Most pet insurance companies will not cover pre-existing conditions or those conditions that show signs or symptoms prior to the policy effective date or during any applicable waiting periods. However, pre-existing conditions do not exclude pets from pet insurance, as new illnesses, and injuries, can still be covered.
Note: Figo may cover pre-existing conditions considered curable if they show no signs or symptoms within 12 months of treatment.
Customized
by you
Design your pet’s plan in less than 60 seconds!
