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Pet Insurance policies are underwritten by Independence American Insurance Company.

Pet Insurance in Florida

Protection for your soulful sidekick

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Pet insurance in Florida

As a pet parent, you want your curious copilot to live a happy and healthy life. This includes providing them with love, healthy food, exercise, and toys. Pet insurance is another way for your dogs and cats to live their best. Not only can it provide your pet with access to medical care, but also it can give you peace of mind in an emergency.

If you’re looking to get pet insurance for your dog or cat, Figo can help. We offer flexible, reliable Florida pet insurance for cats and dogs. Best of all, you can customize a plan to fit your needs and budget. Read on to learn more about our pet insurance in Florida.

Why pet parents love Figo

Figo is proud to offer pet insurance plans to pet parents and their soulful sidekicks in the Sunshine State. Our pet insurance is designed by pet people, for pet people.

That’s why we offer various plans for cat and dog insurance in Florida along with additional perks, such as access to the Pet Cloud app, pet-friendly location finder, a 24/7 live chat with veterinary professionals, lightning-fast claims, and more.

How does pet insurance in the Sunshine State work?

Pet insurance helps reduce the financial burden of unexpected illnesses or accidents. Essentially, you pay a monthly premium to Figo in exchange for potential coverage of medical care, such as bloodwork, medications, hospitalizations, surgeries, and X-rays.

If your soulful sidekick becomes ill or injured, you’ll pay the vet (any vet, worldwide) up front and then submit a claim to your insurer for reimbursement.

We've made it easy to file your claims.

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Pssst - 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 and dog insurance in Florida:

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

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    Heatstroke and Dehydration

    Florida's year-round high temperatures pose a risk for pets.

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    Harmful Wildlife

    Like venomous snakes, alligators, and large predatory birds.



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    Hurricanes and Tropical Storms

    These natural disasters can create hazardous conditions for pets.



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    Toxic Plants and Pests

    Including Sago Palms, Oleander, and pests like mosquitoes, fleas and ticks that can transmit diseases.

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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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Vet kneeling with dog illustration
Vet kneeling with dog illustration
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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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    Deductible

    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?

Click the icons below to learn more about each condition:

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

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

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

Coverage for preventative care, exam fees, and more!

At Figo, we offer two 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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    Veterinary Exam Fees

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

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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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 Florida 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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