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Pet Insurance policies are underwritten by Independence American Insurance Company.

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 the icons below to learn more about each condition:

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  • Emergencies Icon

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

  • Scissors  Icon

    Accidents and Emergencies
    Here for you when the unpredictable happens.

  • Stethoscope Icon

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

  • Heartbeat Icon

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

  • Knee Injury Icon

    Hereditary and Congenital Disorders
    Like us, pets have unique health histories. Pet insurance can help you afford covered treatments for illnesses your pet inherits.

  • Magnifying Glass Icon

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

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


Game-changing optional coverage - because choice is essential

  • Ribbon icon

    Wellness Coverage

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

  • Ribbon icon

    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

  • incident caps centered

    No Per Incident Caps

    We don’t cap claim payments by condition, so you can make the most of your plan.

  • chip centered

    Coverage for Curable Pre-Existing Conditions

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

  • Lightening Bolt Icon

    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!

  • Chat bubble icon

    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.

    Not available in all states

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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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Read Our Blog

  • Person crouching down at a dog in the grass

    Ask Figo: All About Powerups

    The best part of having a Figo policy is that you can fully customize it to fit your pet’s individual needs. Want to know your options? Let's talk Powerups!

  • Veterinarian holding a cat

    Pet-flation: Why Is Vet Care So Expensive?

    As prices continue to rise globally, it gets harder and harder for pet parents to save for their companions in case of emergency. You have probably wondered why vet care is so expensive. Here's what you should know.

  • vet with German shepherd puppy

    What to Know About Pet Insurance Covering Spaying & Neutering

    Spaying and neutering are simple processes that should be part of every pet’s wellness plan. Let’s look at what you can expect if you don’t spay or neuter your pet.

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.

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.

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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