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Pet Insurance policies are underwritten by Independence American Insurance Company.

Frequently Asked Questions

Because we know insurance can be confusing.


    Will my premium increase?
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    All pet insurance companies, no matter how they promote their plans, will raise rates accordingly to keep up with the rising cost of veterinary care. These necessary increases provide you the opportunity to offer your pet the best medical treatment options available.

    Additionally, your premium will be affected by your pet's age each year, as the risk for more costly claims grows higher. Figo strives to provide coverage well into your pet's old-age by not placing upper-age limitations on our policies.
    Note: Your premium will never increase due to filing a claim.

    Figo will alert you to your policy renewal at least 30 days in advance, which allows time to review and make changes as needed. To learn more about how to renewal your policy, click here.

    How do I renew my policy?
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    Your policy will renew automatically each year unless you notify Figo that you wish to cancel. You can view your renewal declaration page at least 30 days prior to your policy’s expiration date. This document is located in your Pet Cloud under the “Inbox and Docs” icon and can be found within the “Policy Documents” folder.

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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, 11333 North Scottsdale Road Suite 160 Scottsdale, AZ 85254. 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