Pet Insurance
Designed for pets and their people
Pet Insurance policies are underwritten by Independence American Insurance Company.
Designed for pets and their people
Pet insurance that fits into your life, not the other way around.
No Per Incident Caps
We don’t cap claim payments by condition type, so you can make the most of your annual benefits.
Coverage for Curable Pre-Existing Conditions
We may cover pre-existing conditions considered curable if they show no signs or symptoms within 12 months of treatment.
Lightning-Fast Claims Less waiting, $$ quicker than ever. On average, most claims close in just 3 working days*.
*Figo Claims Data, 2025
Figo Wellness Powerup Stay on top of yearly exams & more with our optional preventative coverage add-on for a small additional cost.
Live Vet Free 24/7 access to a licensed veterinary professional. Here for you during emergencies, no matter when they happen.
Personalized Pet Tag Synced to your Pet Cloud. Helps reunite you and your pet if they go missing.
Quick, efficient from start to finish of entire process. Staff was helpful, friendly and very knowledgeable. Highly recommend!
Deborah S,
Pet Parent to Winston & Lacey
Emergencies
Here for you when the unpredictable happens.
Surgeries
When your pet goes under, we go above and beyond to put you at ease.
Veterinary Specialists
Not all issues are straightforward. Coverage for the extra help your pet needs to feel their best.
Diagnostic Testing
Get to the root of the problem without worrying about costs.
Orthopedic Conditions
So your pet can run, jump, and play another day.
Prescriptions
Whether they're hiding in cheese or stuffed in some PB, get money back for eligible Rx.
Chronic Conditions
Lifelong treatments can add up. Your pet deserves health and happiness no matter the condition.
Pre-existing conditions
Experimental Procedures
Breeding, Pregnancy, or Giving Birth
Most Parasites
Cloned Pets or Cloning Procedures
Cosmetic Surgery
Pet Insurance is an insurance plan that covers unexpected illnesses and injuries that may happen to your dog or cat. When you select a plan through Figo, you get:
Freedom from network restrictions, so you can visit any licensed vet practice, emergency hospital, or specialist worldwide.
A flexible plan, fully customized to your budget and pet’s needs
Access to up to 100% reimbursement of your vet bills, with the option of unlimited annual benefits
Plans that average under $1.50 per day
Our pets are everything to us. That's why we never want anyone to have to choose between their savings and their pet. As much as we don’t like to discuss the tough parts of pet parenting, it's important to be realistic. In the lifetime of your pet, chances are high that an unforeseen accident or illness will pop up.
In fact, 1 in 3 pets will need emergency veterinary treatment at some point in their lives, and preventative care alone can cost over $400 annually*. A pet insurance plan through Figo simplifies the process and makes getting money back for being a proactive pet parent easy.
*Preventative care coverage is available with our Figo Wellness Powerup
We think so - here's why: As pet care gets more advanced and more treatment options become available, the financial burden of veterinary procedures increases. We know you’d do anything to keep your pet happy and healthy, and we want you to do so without breaking the bank.
Hello pet insurance! Pet insurance provides coverage for unexpected injuries, illness, and preventative care. With a plan through Figo Pet Insurance, you can be empowered to make care-based, rather than cost-based, pet health care decisions.
It's no secret - vet care can be wildly expensive. In fact, 56% of Americans don’t
have enough savings to cover a $1,000 emergency. Yikes!
Let's take a look at the prices of some common accidents and illnesses:
Foreign Object Ingestion - $3k
Hit by Car – $3.7k
Torn ACL - $5.4k
Hip Dysplasia - $7k
Cancer - $9k
Unlike human health insurance, there’s no need to worry about networks. Figo works on a reimbursement model, so you can take your dog or cat to a licensed vet anywhere in the whole wide world!
You get yearly exams and check-ups. So should your pet. Figo Wellness gives you money back for the preventative care that matters most, including...
Annual Exams – Routine care ensures that you catch any issues before they snowball, because prevention is the best medicine
Spay/Neuter – Coverage for doing your part to prevent homeless cats and dogs
Vaccines – An up-to-date pet is a happy one. Vaccines ensure your pet is always daycare and dog park ready.
Dental Cleanings – Keep those canines pearly white with regular cleanings. No cavities here!
Learn more about our Powerups
Like most pet insurance providers, Figo does not cover pre-existing conditions. These are conditions that first occurred or showed clinical signs before your pet's coverage started or during the waiting periods.
At Figo, we distinguish between curable and incurable, covering curable ones after your pet is symptom and treatment-free for 12 months.
Learn more about coverage for pre-existing conditions
Fast claims, so you and your pet can get back to playtime.
Calculate real-life pet health scenarios.
* Hypothetical example(s) for illustrative purposes only. Actual reimbursement may vary depending on specific policy terms including: coverage selected, annual deductible, reimbursement rate, and annual limit. Individual experiences and outcomes may vary.
