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What doesn't Figo cover?


Here we provide the most common of what is not covered:

Pre-existing Conditions. Any condition that shows clinical signs prior to the start of your policy period (or during relevant waiting periods), will not be covered. A quick analogy to put this in perspective: you wouldn't buy an insurance policy on a wrecked automobile and expect them to pay to fix it the next day, would you? That insurance company wouldn't be in business very long.

We may waive a pre-existing condition if we deem the condition was curable and it has not shown signs or symptoms in the prior 12 months. Feel free to chat, email or call us with any further questions or to discuss your specific situation.

Routine Wellness or Preventative Care. While routine wellness or preventative care is critical to your pet's future health and happiness, it is not something covered on our policy. Examples of routine wellness or preventative care include but are not limited to: annual wellness visits, annual or routine blood work, vaccinations, flea or tick preventative medications, etc.

Spaying or Neutering. Sorry, we do not cover this procedure but unless you have plans for your pet to breed, we highly recommend getting it done to avoid future health problems.

Pets less than 8 weeks old. They are oh so cute, but not yet mature enough for our policy.

Cosmetic Surgery. Your pet is beautiful just as they are. No need to try and improve! Cosmetic surgery is not covered under Figo plans.

Elective Surgeries. We provide coverage for the surgeries that your veterinarian recommends for treatment of accidents and injuries. Elective surgeries are not covered.

Supplements or Over the Counter Medication. Unless the supplement or medication requires a prescription in order to be purchased, coverage is not included in our policy. If you are unsure if your pet's medications are supplements or prescription medication, please ask your veterinarian.

Obedience or Training Classes and Devices. If your pet can sit, shake and roll over, congratulations, that is quite a feat! It's really something to be proud of; something that you and your pet accomplished together.

Unfortunately, obedience or training classes and devices are not something that this accident and illness policy covers.

Grooming. The up-keep of your pet's exterior is important to their quality of life and their self-confidence. keep them selfie-ready! But the beauty shop is not covered here.

Failure to Adhere to Veterinarian’s Preventative & Treatment Advice. It's important to listen to the experts- especially in the care and keeping of your pet.

Anything not administered by a licensed Veterinarian. You wouldn't want someone other than a licensed professional to take care of you. same goes for your pet!

Some treatments such as behavioral training, physical therapy or chiropractic therapy can be treated by someone other than a licensed veterinarian and still be eligible for coverage under our policy, if your veterinarian specifically recommends that your pet seek this treatment in relation to a covered illness or injury. Feel free to chat, email or call us with any further questions or to discuss your specific situation.

Breeding, Pregnancy, or Giving Birth. Our policy does not provide coverage for maternity, breeding, pregnancy, whelping or nursing; however, we may provide coverage due to complications that arise if your pet were to become pregnant after the 14 day waiting period for illness has passed.

Eating Poop or Other Eating Disorders. These pets will eat it all; however, the ingestion of poop (also known as Coprophagia) is not something that is covered on our policy. And it is certainly not recommended. Other than being gross, it can cause severe health problems for your pet.

Inhumane Treatments. We know you would never do this, so it isn't even worth discussing.

Neglect or Abuse. We know you would never do this, so it isn't even worth discussing.

Racing, Coursing, Organized Fighting or Occupational Use of Your Pet. Our policy excludes coverage related to racing, coursing organized fighting and an occupational use of your pets.

Figo does insure Working Dogs. Due to the higher risk of injury there is a 10% increase in premium. Please call us at (844) 738-3446 if you have a working dog and are interested in purchasing a policy.

Note: volunteer dogs, such a volunteer search and rescue does not need to have the working dog endorsement added, as they are volunteer.

Experimental Procedures. Taking risks on your pet's health is not something that we recommend. Our policy does not cover the risk of experimental procedures.

Cloned Pets or Cloning Procedures. Sorry, we don't cover your quest to duplicate your beloved pet. Create your pet’s “mini-me" at your own risk. Just remember that each pet has a unique soul, so duplicating the exterior does not duplicate what makes your pet so wonderfully unique on the inside.

Chemical, Biological or Nuclear…bad events. Let’s hope that none of these happen—and if they really were to occur, we have bigger problems. It is standard insurance practice not to cover these events.

War, Invasion, Revolt or Quarantine. Let’s hope that none of these happen—and if they really were to occur, we have bigger problems. It is standard insurance practice not to cover these events.

Parasites That Have a Preventative. Our policy does not offer coverage for parasites or conditions related to parasites (internal or external) unless there is no preventive medication for the parasite including but not limited to: a. Heartworms; b. Fleas; c. Ticks; d. Roundworms; e. Tapeworms; or f. Hookworms. Examples of parasites with no preventative available: Giardia & Coccidia

Non-veterinary services. Our policy does not cover non-veterinary services, including but not limited to: Federal, state or local taxes; Waste disposal; Government fees and surcharges; Photocopying fees; Bank fees and credit card charges; Biohazardous waste fees; OSHA fees; and Maintenance fees.

House Call Fees. Additional costs related to treatment for house calls are not covered under our policy, unless a vet certifies them essential in an emergency.

Elective or Specialty Procedures. Coverage is not offered under our policy for elective or specialty procedures, including but not limited to: Docking of tails; Removal of dewclaws; Removal of eyelashes; Cropping of ears; Spaying or neutering; Cosmetic dentistry; Elective gastropexy; or Routine/preventive anal gland expression.

For a full list of exclusions and what we do not cover, please see our sample policy.

Last updated: Mar 14, 2019 / 11: 18am CDT