Pet Insurance policies are underwritten by Independence American Insurance Company.

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. Figo Pet Insurance's California license number is 0K02763.

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Pet Insurance policies are underwritten by Independence American Insurance Company.

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How Can I Lower My Monthly Payments?

Renewing your Figo plan but unsatisfied with your monthly payments (aka your premium)? While we are not able to reduce your renewal rate upon request, there are a few ways to decrease your monthly payment by adjusting your coverage. If you're in your renewal period, you can now make changes to your plan directly through your Pet Cloud! Consider the options below:

1. Remove Powerups. Our Powerups allow you to further customize coverage based on your budget. (Example: Removing Exam Fee coverage may decrease your monthly payments.)

2. Customize your reimbursement rate and/or deductible. Adjust these options to make your monthly payment more affordable without sacrificing coverage. (Example: You may be able to save money by choosing a higher deductible.)

3. Choose a different plan. Depending on your current plan, you may be able to move to a less expensive option by lowering your annual coverage amount. (Example: from $10k to $5k)

Related: Wondering why insurance companies raise rates? Read more here.