Dog Insurance
Protection for your soulful sidekick
Pet Insurance policies are underwritten by Independence American Insurance Company.
Protection for your soulful sidekick
Depending on your plan, deductible, and reimbursement options, up to 100% of your dog's vet bills may be reimbursed.
1
Visit a licensed vet of your choice, worldwide
2
Upload your vet bill and visit the claim tracker for updates
3
Get reimbursed for covered claims directly into your bank account
No Per Incident Caps
We don’t cap claim payments by condition type, so you can make the most of your annual benefits.
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.
Lightning-Fast Claims Less waiting, $$ quicker than ever. On average, most claims close in just 3 working days*.
*Figo Claims Data, 2025
Figo Wellness Powerup Stay on top of yearly exams & more with our optional preventative coverage add-on for a small additional cost.
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.
Our customizable dog insurance plans ensure your policy can be as adaptable as your pup. You know your pet best. Why lock yourself into a generic plan?
Wellness
Money back for exams, vaccines, & other routine care so pets stay happy and healthy.
Up to 100% Reimbursement
No copay, no problem! Figo lets you choose the reimbursement amount that fits your lifestyle and budget.
Veterinary Exam Fees for Accident and Illness Visits
Coverage for exam or consultation fees associated with the diagnosis and treatment of your pet, beyond preventative care.
Pet insurance for dogs through Figo are designed to be straightforward and simple —so you can spend less time choosing and more time with your dog.
For dog parents who want reimbursement for up to $5,000 of eligible veterinary medical expenses each year.
Our most popular plan! For dog parents who want reimbursement for up to $10,000 of eligible veterinary medical expenses each year.
For dog parents who want reimbursement for an unlimited amount of eligible veterinary medical expenses each year.
Fast claims, so you and your dog can get back to playtime
You have been outstanding so far with the easy file app. Thank you! It is so helpful when our dog has an issue that I do not have to panic. I feel like you have her back.
Linda VA,
Pet Parent to Tillie
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 illness and injury. And animal insurance for dogs helps free you from financial stress when choosing the best available veterinary care for your pup.
As your dog insurance company, we want your coverage to be seamless and simple. Especially because life with dogs can be anything but! Your dog deserves the best care possible regardless of budget, and that's why Figo makes your plan easy to customize to your pet.
Choose from one of three plans and tailor your monthly payments to a number that just feels right. 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!
Let's be real - is a dog insurance plan is really worth the cost? We think so. Studies show that 56% of Americans don’t have enough savings to cover a $1,000 emergency. When the unexpected happens, a dog insurance policy can help pay for life-saving procedures, diagnostic testing, critical vaccines, and more, leaving your pup free to do what they do best: be a dog!
Giving your pet a great life is never a waste of money. In fact, 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 splurge to keep our pups healthy isn't surprising. After all, our dogs are family—a bond that spans the duration of our lives (and theirs). When we are faced with an expensive procedure or treatment, without a financial safety net, it can be heartbreaking.
As early as 8 weeks, you can cover your precocious pup with a puppy insurance plan through Figo. Plans cover new injuries or illness—so, if your curious pet 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!
The oldest dog on record lived to be almost 30 years old—off the chart in doggy years! Pet insurance plans through Figo 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 through Figo, this coverage will not end simply because of age, so you can enjoy more quality time together.
Say no more! You can take a peek at a sample dog insurance policy here.
