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Pet Insurance policies are underwritten by Independence American Insurance Company.

Figo SMS Terms + Conditions

Cat illustration

Text Alerts

Figo offers a marketing and transactional SMS/MMS program, through which it sends periodic autodialed SMS/MMS messages with marketing content and content pertaining to the administration of your pet insurance policy. To sign up for the SMS/MMS Program, text 42681. By opting in, you are agreeing to receive automated marketing and transactional text messages at varying message frequencies, from Figo, or third-parties acting on its behalf, to the telephone number you provide. These messages may include promotions, new products, events, general marketing information, as well as information pertaining to the administration of your pet insurance policy. Your consent is not a condition of purchase and you can stop at any time. Text HELP to 42681 for additional help and/or STOP to 42681 to cancel. Figo shall not be responsible or liable for the accuracy, usefulness or availability, of information transmitted via this SMS/MMS Program. Figo makes no warranty that: (A) the SMS/MMS Program is compatible with your equipment, (B) the SMS/MMS Program will meet your requirements, (C) the SMS/MMS Program will be uninterrupted, timely, secure or error-free, or (D) the results that may be obtained from the use of the SMS/MMS Program will be secure, complete, accurate or reliable. You will be solely responsible for any damage to your equipment by virtue of the use of the SMS/MMS Program. Standard text messaging and data rates may apply through your service provider.

Your Provision of Telephone Numbers and Other Contact Information

You verify that any contact information provided to Company, our respective agents and affiliates, including, but not limited to, your name, mailing address, email address, your residential or business telephone number, and/or your mobile telephone number, is true and accurate. You verify that you are the current subscriber or owner of any telephone number that you provide. You are strictly prohibited from providing a phone number that is not your own. If we discover that any information provided in connection with your registration is false or inaccurate, we may suspend or terminate your account access at any time. Should any of your contact information change, including ownership of your telephone numbers, you agree to immediately notify us before the change goes into effect by texting STOP to the applicable short code or any text message you receive from us. In the event that you get a new telephone number, you will need to contact us at or 1.844.738.3446.

Your Consent to Received Automated Communications

You Acknowledge that by purchasing a Figo Insurance Policy you agree to receive policy specific text alerts, transactional 95126, [AB1] to the phone number provided. Message rates vary. these alerts will send to the provided phone number when the policy associated with the phone number is specifically impacted. Text HELP to 95126 for help and/or STOP to 95126 to cancel.

You acknowledge that by voluntarily providing your telephone number(s) to Figo and our respective agents and affiliates, you expressly agree to receive automated text messages (such as SMS, MMS, or successor protocols or technologies) from Figo, its agents, independent contractors, and affiliates related to promotions, discounts, events and product promotion information, registration, product alterations, changes and updates, service outages, any transaction with Company, and/or your relationship with us. You acknowledge that automated calls or text messages may be made to your telephone number(s) even if your telephone number(s) is registered on any state or federal Do Not Call list. You understand that you may receive automated text messages to any telephone number you provide at any time. You also agree that Figo may obtain, and you expressly agree to be contacted at, any email addresses or mailing addresses provided by you at any time. You understand that you do not have to agree to receive automated promotional texts as a condition of purchasing any goods or services. To opt-out, please see the Opt-Out Instructions below.

Opt-Out Instructions for Automated Texts

Your consent to receive automated texts is completely voluntary. You may opt-out at any time by sending a “STOP” request to 42681 or 95126, by replying to any text message you receive from us, by contacting us at or 1.844.738.3446, or by informing one of our representatives through customer service and specifying that you want to opt out of text messages. You acknowledge and agree to accept a final text message confirming your opt-out. It is your sole responsibility to notify us if you no longer want to receive automated text messages. You waive any rights to bring claims for unauthorized or undesired text messages by failing to opt-out immediately or by failing to follow these instructions. Please allow up to thirty (30) days (or ten (10) business days where required by law) to process any opt-out request.

It is possible that third parties may have come into possession your contact information independently and unrelated to FIGO’s collection of your information and you may continue to receive communications from these third parties despite an opt out request directed to FIGO. We are not responsible for unwanted contact from third parties. In this circumstance, please contact third parties directly to inform them of your communication preferences.

Fees and Charges

There is no fee to receive automated text messages from us, our agents, affiliates, and independent contractors. However, you may incur a charge for these text messages from your telephone carrier, which is your sole responsibility. Messaging and data rates may be applicable, and you may be responsible for fees or charges from your carrier. You may incur other charges if you leave the Services through links. Check your telephone plan and contact your carrier for details. You represent and warrant that you are authorized to incur such charges and acknowledge that Figo, our agents, affiliates, and independent contractors are not responsible for such charges. Your obligations under this Section will survive expiration or termination of these Terms.

Your Indemnification to Us

You agree to indemnify Figo, our agents, affiliates, and independent contractors for any privacy, tort or other claims, including claims under the Federal Telephone Consumer Protection Act or its state law equivalent, relating to your voluntary provision of a telephone number that is not owned by you and/or your failure to notify us of any changes in your contact information, including telephone number. You agree to indemnify, defend and hold us harmless from and against any and all such claims, losses, liability, costs and expenses (including reasonable attorneys’ fees). Figo shall have the exclusive right to choose counsel, at your expense, to defend any such claims.


You are responsible for obtaining and maintaining all telephone devices, equipment, software, and services necessary to receive calls and text messages.