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What Is Covered by Pet Insurance?

Robust coverage, without confusion

Our pets need a lot of care. Vet bills and medical treatments can be unpredictable and expensive. Preventative care alone can cost over $600 per year. To avoid racking up big $$, 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:

What Is Pet Insurance?

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.

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How Does a Pet Health Insurance Plan Work?

Depending on your plan, deductible, and reimbursement options, up to 100% of your pet’s vet bills may be reimbursed.

Visit a licensed vet of your choice, worldwide
Upload your vet bill and visit the claim tracker for updates
Get paid electronically right into your account

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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.

What Does Pet Insurance Cover?

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 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.

What Isn't Covered by Pet Insurance?

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.

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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
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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