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Dog insurance: Less worry, more peace of mind.

Dog Health Insurance Basics

Receiving bad news about the health of your dog can be very stressful. The good news is, there are far more medical options and procedures available today for dogs to help them through illnesses and injuries. And health insurance for dogs frees you from financial stress when choosing the best available veterinary care for your pup.

Dog Insurance Designed with You in Mind

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

  • Our dog medical 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.
  • Our Pet Cloud application lets you talk to vets, connect with other pet parents, monitor your dog’s health with reminders and upload important medical records.

100% of dogs are amazing

2 out of 3 dogs will help you land hot dates

Dogs do not believe in Daylight Savings Time

No more reading, go play with dog

Insuring my dog through Figo was the best decision! We have filed a few claims and each time it’s the easiest and quickest process. I highly recommend insuring your dog with Figo because you can feel safe knowing that you will always be able to afford the highest level of care.”


– Nikole W.


How Dog Health Insurance Works

At Figo Pet Insurance, we want coverage to be easy to understand. Choose from one of three plans and customize your reimbursement percentage and annual deductible to best suit your budget. When there is an unexpected illness or injury to your dog, submit the paid veterinarian bills to us. Depending on your plan selections, we may reimburse you up to 100 percent of your covered charges. Unlike other similar plans, we even provide the option of covering accident-or illness-related veterinary exam fees and consultations.

Like most health insurance plans for dogs and puppies, 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 Puppies And Dogs

We spend more on our dogs than ever before. Pet parents, like you, spend an estimated $18 billion a year on veterinary expenses alone. While the amount may be shocking, the fact that we are willing to spend so much to keep our pups healthy isn't surprising. After all, our dogs are companions and family—a bond spans the duration of our lives (and theirs). And when we are faced with an expensive procedure or treatment, without a financial safety net, it can be extremely difficult and even heartbreaking.


Healthcare for Puppies

As early as 8 weeks, you can cover your rambunctious pup with a puppy insurance plan from Figo. Plans cover new injuries or illness—so, if Fido eats a sock or has a bout of diarrhea, simply visit the veterinarian and submit your paid vet bill for reimbursement. Puppy insurance frees you up to concentrate on more important things, like puppy playtime and snuggles!

Healthcare for Adult and Senior Dogs

The oldest dog on record lived to be almost 30 years old—off the chart in doggy years! Figo’s plans have no upper age limit. As dogs age, they become more prone to experience senior health issues—like hip dysplasia or diabetes. With a dog insurance plan from Figo, this coverage will not end simply because of age, giving you more time together.

Is Dog Insurance Worth It?


Dog with Figo tag

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

"Since adopting my 4-year-old bulldog/pug mix, Guff, I've unfortunately had to file a few claims. First, he snorted a foxtail. Most recently, he had some vomiting that required a trip to the ER. I was most grateful to have Figo. When Guff's vet noticed potentially damaged teeth, it turned out the little guy needed six extractions! I was reimbursed almost $900 on a $1400 bill. I was very happy to have them! All my claims have been processed in a very timely fashion. Having Figo has given me great peace of mind because I don't have to worry about being able to afford getting Guff care when he needs it.” - John H.

Providing insurance coverage for your dog is simple: Tell us a little bit about your pup, 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 pup, then submit your initial payment. With premiums averaging about $1.50 per day, coverage plans from Figo are not just valuable, they are also affordable.