Pet Insurance policies are underwritten by Independence American Insurance Company.

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Man laying on the couch resting while his dog sits beside him
Man laying on the couch resting while his dog sits beside him
Man laying on the couch resting while his dog sits beside him
Man laying on the couch resting while his dog sits beside him

What Is Covered
by Pet Insurance?

Pets deserve the best care

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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 on each coverage area to learn more:

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  • Emergencies Icon

    Common Illnesses
    From the sniffles to skin issues and everything in between.

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    Accidents and Emergencies
    Here for you when the unpredictable happens.

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    Wellness and Preventative Care
    Optional coverage toward the cost of yearly exams, vaccines, diagnostic tests, & more.

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    Cancer
    Your pet deserves a fighting chance. We'll help with covered costly treatments like radiation, chemo, surgeries, and more.

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    Hereditary and Congenital Disorders
    Just like us, pets are born with their own family health histories. Pet insurance can help you afford covered treatments for illnesses your pet inherits.

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    Chronic Conditions
    Ongoing care can add up. Figo covers conditions that aren't pre-existing for the life of your pet.

What else
is covered

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illustration of vet petting dog mobile
Vet petting dog illustrations
Vet petting dog illustrations
Vet petting dog illustrations
  • Pet Cloud

  • Surgeries

  • Veterinary Specialist Treatments

  • Dental Illness & Injury

  • Holistic & Alternative Treatments

  • Pet Cloud

  • Surgeries

  • Veterinary Specialist Treatments

  • Dental Illness & Injury

  • Holistic & Alternative Treatments

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  • Ribbon icon

    Wellness Coverage

    Money back for exams, vaccines, & other routine care so pets stay happy and healthy.

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    Extra Care Pack

    Top-tier coverage that includes cremation/ burial, lost pet advertising/award, vacation cancellation due to pet emergency, boarding fees, pet theft or loss, and more!

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    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

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Our Pets Need a Lot of Care

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  • Care Figo Incident Caps

    No Per Incident Caps

    We don’t cap claim payments by condition type, so you can make the most of your annual benefits

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    Coverage for Curable Pre-Existing Conditions

    We may cover pre-existing conditions considered curable if they show no signs or symptoms within 12 months of treatment.

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    Lighting Fast Claims

    Less waiting for you, $$ quicker than ever. On average, most claims close in just 2.6 working days.

  • Care Figo Wellness

    Figo Wellness

    Stay on top of yearly exams & more with preventative coverage!

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    Live Vet

    Free 24/7 access to a licensed veterinary professional. Here for you during emergencies, no matter when they happen.

  • Care Personalized Pet Tag

    Personalized Pet Tag

    Synced to your Pet Cloud. Helps reunite you and your pet if they go missing.

Pet Insurance Makes a Big Difference

Fast claims, so you and your dog can get back to playtime

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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.

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Questions?
We have answers!

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What is Pet Insurance?
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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.

What Does Pet Insurance Cover?
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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.

Why Aren't Pre-Existing Conditions Covered by Pet Insurance?
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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.

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Customized
by you

Design your pet’s plan in less than 60 seconds!

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medium sized cat illustration
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Cat illustration
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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, 485 Madison Avenue, New York, NY 10022. Live Vet and the Figo Pet Cloud are separate non-insurance services unaffiliated with IAIC.

Copyright © 2015-2022 Figo Pet Insurance LLC. All rights reserved