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Pet Insurance policies are underwritten by Independence American Insurance Company.

Pet Insurance in Illinois

Protection for your soulful sidekick

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Flexible Plans For Pets in the Windy City

Whether you have a dog who loves to romp on your Gallatin County farm or a cat who enjoys living the high-rise life in Chicago, Figo has the pet insurance coverage you need.

Did you know that Illinois has some of the highest veterinary costs in the nation? Pet owners in the Land of Lincoln pay about $1,300 on average per year for their pet's medical costs. In comparison, pet owners in nearby Missouri spend only $900 on vet care a year.

How can Figo help?

Unfortunately, veterinary bills for major illnesses or injuries can often run into the thousands of dollars. Figo's plans can take the sting out of your veterinary bills by paying a substantial portion of those costs for you.

How does Figo's pet insurance in Illinois work?

Figo understands that when your pet is sick or injured, you don't want to worry about whether your insurance will be accepted at your veterinarian's office. So, we won't force you to use in-network vet professionals.

Instead, you're free to take your cat or dog to your favorite veterinarian, a specialist, or to the closest emergency pet hospital, worldwide!

How does pet insurance in Illinois work?

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We've made it easy to file your claims.

Psst - on average, most claims close in just 2.6 working days.

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    Visit a licensed vet of your choice, worldwide

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    Upload your vet bill and visit the claim tracker for updates

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    Get reimbursed for covered claims directly into your bank account

Four reasons you need cat or dog insurance in Illinois

In a perfect world, our pets would always live healthy, happy lives. Unfortunately, there are numerous risks in Illinois that can endanger your curious companions, including:

  • Coyotes

    Especially in the southern and west-central parts of Illinois

  • Hypothermia

    Particularly during the cold winter months

  • Traffic accidents

    Especially in big cities such as Chicago or Rockford

  • Venomous snakes

    Such as copperheads and timber rattlesnakes

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Figo's coverage is customizable

Every pet is different. That’s why Figo gives you the ability to customize your pet health insurance coverage by adjusting the following components:

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    Annual coverage limit

    This is the max amount you can be reimbursed each year. You can choose $5,000, $10,000, or Unlimited

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    This is the amount you'll have to pay before your coverage begins. Figo's deductible options range between $100 and $750

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    Reimbursement percentage

    Figo offers reimbursement percentages from 70% to 100% of your approved veterinarian bills

What does Figo Cover?

Vet bills and medical treatments can be unpredictable and pricey. To avoid racking up major expenses, many pet parents choose to purchase pet insurance.

Pet insurance ensures your dog or cat will be covered in the event of an accident, emergency, or surprise illness. So, what specifically does pet insurance cover?

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    Common Illnesses
    From the sniffles to skin issues and everything in between.

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    Accidents and Emergencies
    Here for you when the unpredictable happens.

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    Wellness and Preventative Care
    Optional coverage toward the cost of yearly exams, vaccines, diagnostic tests, & more.

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    Your pet deserves a fighting chance. We'll help with covered costly treatments like radiation, chemo, surgeries, and more.

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    Hereditary and Congenital Disorders
    Like us, pets have unique health histories. Pet insurance can help you afford covered treatments for illnesses your pet inherits.

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    Chronic Conditions
    Ongoing care can add up. Figo covers conditions that aren't pre-existing for the life of your pet.

What else
is covered

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  • Pet Cloud

  • Surgeries

  • Veterinary Specialist Treatments

  • Dental Illness & Injury

  • Holistic & Alternative Treatments

  • Pet Cloud

  • Surgeries

  • Veterinary Specialist Treatments

  • Dental Illness & Injury

  • Holistic & Alternative Treatments

What is not covered?

For the most part, our plans do not cover pre-existing medical conditions. However, there is one exception. Figo may cover a pre-existing condition if it is deemed curable and your pet has not had related signs or symptoms during the past 12 months.

Need more clarity? Let's use an example. Your pet had an ear infection and then did not have any signs or symptoms for the year following. If your pet gets a new ear infection more than a year later, Figo may cover the related medical costs.

What’s not covered

  • Pre-existing Conditions

  • Experimental Procedures

  • Breeding, Pregnancy or Giving Birth

  • Cloned Pets or Cloning Procedures

  • Cosmetic Surgery

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Coverage for preventative care, exam fees, and more!

At Figo, we offer three Powerups, which are optional coverage for the following:


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    Wellness Coverage

    Money back for exams, vaccines, & other routine care so pets stay happy and healthy.

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    Extra Care Pack

    Top-tier coverage that includes cremation/ burial, lost pet advertising/award, vacation cancellation due to pet emergency, boarding fees, pet theft or loss, and more!

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    Veterinary Exam Fees

    Coverage for exam or consultation fees associated with the diagnosis and treatment of your pet, beyond preventative care.

You'll also get access to our Pet Cloud app, the ultimate pet parent toolkit, right at your fingertips. Pet Cloud gives you free 24/7 access to chat with a live veterinary professional and many other pet-friendly features.

The best Illinois pet insurance for your best friend

Accidents happen. Let Figo Pet Insurance help you take care of your pet when they need you the most. For more information or to obtain a free quote for your Illinois dog insurance or cat insurance, get started below!

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Design your pet’s plan in less than 60 seconds!

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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.

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