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Pet Health Insurance: Less Worry, More Peace of Mind


What is pet medical insurance?

A health insurance plan for your pet frees you from financial stress when choosing the best available veterinary care for your furry friend. With Figo: 

  • Insurance plans cover unexpected illnesses and injuries of your dog or cat.
  • Visit any licensed veterinary practice, emergency hospital or specialist in the US, Canada or Puerto Rico.
  • Choose from three flexible plans that can be customized to meet your budget needs.
  • We may reimburse up to 100% of your actual vet bill with options for unlimited annual benefits. 
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Is pet insurance worth the cost?

The advancement in pet medical care and the rising demand for treatment poses a financial challenge for loving pet parents. Large veterinarian hospitals and specialty clinics provide a range of advanced treatment options—everything from neurological services to orthopedic surgery—but it can come at a steep price.

Enter pet insurance. Pet insurance provides coverage for unexpected injuries and illnesses. For a small monthly premium, pet parents are empowered to make care-based rather than cost-based health care decisions.

Our pet insurance plans may provide up to 100% reimbursement for covered medical expenses



How does a pet health insurance plan work?

Some companies may limit your access to a specific network of providers or may require treatment be performed at specific hospitals. Figo plans work on a reimbursement model, which gives pet parents the freedom to seek veterinary treatment anywhere in the US, Canada, and Puerto Rico. If you pet requires medical treatment for a new injury or illness, take them to the vet of your choosing. Then submit the paid bill to us for reimbursement. Based on your plan, deductible, and reimbursement options, you may receive up to 100% reimbursement for your pet’s covered vet bills.

Here’s what you can expect with a Figo plan:


  • Customize and purchase the plan that suits your pet.
  • Seek the best veterinary treatment for your pet when an accident or illness occurs.
  • Submit the paid veterinary bills through the Figo Pet Cloud app.
  • Follow your claim status and get paid electronically (via direct deposit).
  • Contact the Customer Experience team by phone, email, chat, text, or Facebook messenger 

What is the cost of pet health insurance?

Insurance premiums for dogs and cats are calculated based on the age and breed of your pet, as well as your zip code. After completing submitting the form, choose from one of three plan options based on your pet’s needs. Then, further customize your quote by choosing the deductible  and reimbursement rate that’s works for your budget.

Figo has been a literal life saver and enhancer for my dog with irritable bowel disease. Because of his policy, we have been able to seek treatment from some of the best vets out there--including internal medicine specialists and a pet nutritionist. We have since been able to manage his symptoms effectively. Don't know if we would be where we are today without the support of his medical team, which has only been financially possible because of Figo. I wish my own health insurance was as good as my dog's! ”


– Michael M.

Why does my dog or cat need a health insurance plan?

We believe the best medical care for our pets should be an automatic "yes" and without hesitation. Did you know:

  • 1 in 3 pets need emergency vet treatment each year.
  • More veterinary specialists and advanced treatments are available today.
  • Advanced pet medical care often costs thousands of dollars.
  • Our plans average less than $1.50 per day.

More pets are being saved by advanced healthcare treatments, and that care can be quite costly. And self-insuring is risky because you need enough time to save and build up a pet fund—but what happens if your pet gets sick before you are able to save enough money? For example, your new puppy may eat a sock next month, requiring $3,000 in veterinary care. The unexpected nature of such injuries and illnesses may find you with little-to-no savings to cover necessary treatment expenses. Pet medical insurance is peace of mind for those unexpected pet injuries and illnesses. 

Pet insurance can make a huge difference in the lives of you and your pet. We believe everyone should have it, even if it’s not from us.

Rusty Sproat
Founder & CEO, Figo Pet Insurance

Things You Need to Know

We know pet insurance can be confusing. Here are a few things to keep in mind.

Veterinary Exam Fees (Optional)

Believe it or not, some carriers won't pay your veterinary examination or consultation fees related to a covered illness or injury. We provide you the optional coverage for these fees.

Pre-Existing Conditions

Like other pet insurance companies, we exclude pre-existing conditions. Those are conditions that first occurred or showed clinical signs before your pet's coverage started or during the waiting periods.

Co-Pay & Reimbursement

These terms can be confusing. The co-pay is the amount you pay, and the reimbursement is the amount Figo pays. You can choose from various reimbursement options with your plan.

Annual Deductible

Some companies require you to pay a deductible per each illness or injury. They call it Per Condition; we call it Not Cool. With Figo, once you meet your one annual deductible, you're done for the year.

Waiting Periods

These vary widely between companies. Figo plans may include an accident, illness, and knee waiting period. All waiting periods begins the day after enrollment or the day you select as your policy effective date.

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What's Covered

Here's the deal: If your pet has a new covered accident, injury or illness, you may be reimbursed for the following medical expenses.

  • Exam & Consultation Fees (optional)
  • Emergency & Hospitalization
  • Surgeries
  • Veterinary Specialists
  • Hereditary & Congenital Conditions
  • Chronic Conditions
  • Cancer Treatments
  • Prescriptions
  • Imaging
  • Knee Conditions
  • Prosthetics & Orthopedics
  • Hip Dysplasia
See Full Coverage Details

What's Not Covered

Here’s the other deal: At Figo, we have nothing to hide. We think it is just as important to show you what isn't covered.

  • Pre-existing Conditions
  • Routine, Wellness or Preventative Care
  • Spaying or Neutering
  • Experimental Procedures
  • Breeding, Pregnancy or Giving Birth
  • Cloned Pets or Cloning Procedures
  • Cosmetic Surgery
  • Coprophagia (the medical term for "eating poop")
See Full Coverage Details

Comprehensive Pet Insurance Coverage

We designed our pet insurance plans to be straightforward and simple—so you can spend less time choosing and more time with your pet.

Essential Most Popular Preferred Ultimate

Annual Veterinary Benefits

Detailed Coverage
$5,000 $10,000 Unlimited

Figo Pet Cloud

available available available

No Per Incident Cap on Claims

available available available

No Upper Age Limits on Pets

available available available

Knee Conditions (including ACL)

available available available

Hip Dysplasia

available available available

Rehabilitation (optional)

available available available


available available available

Prescription Medications

available available available

Veterinary Specialist Treatments

available available available


available available available

Veterinary Exam Fees (optional)

available available available

Non-routine Dental (Accident only)

available available available

Prosthetic & Orthotic Devices

available available available

Chiropractic & Acupuncture

available available available


available available available

Euthanasia & Cremation

available available available
Hide Detailed Coverage

Emergency Services

available available available


available available available

Laboratory & Diagnostic Testing

available available available

Hereditary & Congenital Conditions

available available available

Chronic Conditions

available available available

Cancer Treatments

available available available

Take the next step towards protecting your pet:

Get a Quote

California Residents Click Here

Now It's Your Turn

Use the dropdown selections below to create real-life pet health scenarios and calculate how Figo may pay your claim.

Hey so my got treated at the Vet for
and the bill

came to . — yikes!

Luckily, I had the from Figo.
My deductible was and my reimbursement was at .

All I paid was and FIGO paid .

*Amounts shown are based on actual veterinary bills and may vary depending on city and state

Sample Pet Insurance Policy for DOGS (IAIC)


Sample Pet Insurance Policy for CATS (IAIC)