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Pet Health Insurance

Designed by pet people, for pet people

What Puts Figo Ahead of the Pack?

Built with you in mind, we're giving pet parents what they really need.
A few things people love about us:

Figo Wellness
Stay on top of yearly exams & more with preventative coverage!
No Per Incident Caps
We don’t cap claim payments by condition type, so you can make the most of your annual benefits.
Lightning Fast Claims
Less waiting for you, $$ quicker than ever. On average, most claims close in just 2.6 working days.
No Max - That's A Fact
The care you need, without worrying about lifetime maximums.
Coverage for
Curable Pre-Ex
We may cover pre-existing conditions considered curable if they show no signs or symptoms within 12 months of last treatment.
Live Vet
Free 24/7 access to a licensed veterinarian. Here for you during emergencies, no matter when they happen.

From 24/7 live vet experience to the submission of the claims, you made the difficult times for dog owner easier. It was my first experience and for sure when it's time to get another puppy I'm going to use Figo

– Faina K., Figo Pack Member

How Does a Pet Health Insurance Plan Work?

Depending on your plan, deductible, and reimbursement options, up to 100% of your pet’s vet bills may be reimbursed.

Visit a licensed vet of your choice, worldwide
Upload your vet bill and visit the claim tracker for updates
Get paid electronically right into your account

Build a Plan that’s Right for you

You know your pet best. Why lock yourself into a generic plan?
Design that policy that’s right for your pet (and your wallet).
It's easy as 1, 2, 3:


Choose your Level of Coverage

Get up to $5k, $10k (most popular), or Unlimited Annual Benefits (this is the max amount you’ll get reimbursed for, per year). Pick the plan that best fits your pet’s needs and personality.


Customize your Reimbursement and Deductible

A deductible is what you pay out of pocket before insurance kicks in. Your reimbursement is how much Figo reimburses you for care after your deductible is met. When you get a quote, you can adjust these amounts till you find a monthly payment that just feels right.

PS - Figo is one of the only providers to offer 100% reimbursement to our policyholders looking for maximum money back.


Pick your Powerups

Enhance your plan with powerups that fit your pet’s needs. Options include Wellness, Vet exam fees for accident and illness, and our Extra Care Pack.

Learn More
  • Wellness

    Comprehensive coverage for exams, vaccines, & other routine care for happy, healthy pets.

  • Veterinary Exam Fees for Accident and Illness Visits

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

  • Extra Care Pack

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

Blue check mark

What Does Figo Cover?

From comprehensive coverage to wellness, we're with you and your pet for the long haul.

  • Emergency & Hospitalization
  • Surgeries
  • Veterinary Specialists
  • Diagnostic Testing
  • Knee Conditions
  • Prosthetics & Orthopedics
  • Hereditary & Congenital
  • Prescriptions
  • Hip Dysplasia
  • Chronic Conditions
  • Dental Illness & Injury
  • Imaging
  • Cancer Treatments
  • Wellness Coverage (Optional Add On)
  • Veterinary Exam Fees (Optional Add On)

Wellness is not available in all states. Refer to your policy for complete details regarding coverage, limitations, and exclusions.

See Full Coverage Details
Not covered icon

What Does Figo Not Cover?

At Figo, we have nothing to hide. We think it is just as important to show you what isn't covered.

  • Pre-existing Conditions
  • Experimental Procedures
  • Breeding, Pregnancy or Giving Birth
  • Cloned Pets or Cloning Procedures
  • Cosmetic Surgery
  • Most Parasites
See Full Coverage Details

Got questions? We have answers.

What is Pet Medical Insurance?

Pet Insurance is an insurance plan that covers unexpected illnesses and injuries that may happen to your dog or cat. When you select a Figo plan, 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

Why is Pet Insurance Important?

Our pets are everything to us. That's why we never want anyone to have to choose between their savings and their beloved companions. 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 need emergency veterinary treatment each year, and preventative care alone can cost over $600 annually¹. A Figo pet insurance plan simplifies the process and makes getting money back for being a proactive pet parent easy.

Is Pet Insurance Worth the Cost?

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 Figo plan, you can be empowered to make care-based, rather than cost-based, pet health care decisions.

How Much is Pet Health Insurance?

It's no secret - vet care can be wildly expensive. The average cost of pet care can reach over $600 in preventative care alone². And up to 65% of pet owners have had unexpected costs due to a pet-related emergency. Yikes!³

Let's take a look at the prices of some common accidents and illnesses⁴ :

  • Foreign Object Ingestion - $3k
  • Hit by Car – $3.7k
  • Torn ACL - $5.4k
  • Hip Dysplasia - $7k
  • Cancer - $9k

Will My Vet Accept My Pet Insurance Plan?

We get this question often. 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!

What About Pre-Existing Conditions?

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. But at Figo, there’s two ways we do pre-existing conditions differently than most pet insurers.

At Figo, we distinguish between curable and incurable, covering curable ones after your pet is symptom- free for 12 months. Learn more

What Are the Benefits of Our Wellness Powerup?

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!