Pet insurance policies are underwritten by Markel American Insurance Company.

Less Worry. More Peace of Mind

What is Pet Insurance?

  • Figo Pet Insurance frees you from financial stress when choosing the best available veterinary care for your pet.
  • Our health insurance plans cover the unexpected illnesses and injuries of your dog or cat.
  • You can visit any licensed veterinary practice, emergency hospital or specialist.
  • We will reimburse up to 100% of your actual vet bill with unlimited coverage and no limits on claim payouts.
  • With our three flexible plans you can customize both your reimbursement percentage and annual deductible.
Figo Pet Insurance Mobile Quote

How Does it Work?

  • Purchase the plan that suits you best.
  • When an illness or injury occurs get the best veterinary treatment possible for your furry friend.
  • Submit your bills and Figo pays you electronically (direct deposit).
 Figo Pet Insurance Online

Why Do I Need it?

  • Today there are more advanced veterinary specialists and treatments available than ever before.
  • These treatments aren’t cheap, often costing thousands. We believe the best medical care for our pets should be an automatic "yes". No hesitation.
  • With Figo's plans averaging less than $1.50 per day, you can enjoy the peace of mind in knowing your pet will always receive the care they deserve.

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)

This one is important. Believe it or not, some carriers won’t pay your veterinary examination fee related to a covered illness or injury. We do.

Pre-Existing Conditions

As with all pet insurance policies, we exclude pre-existing conditions. This means a condition that first occurred or showed clinical signs before your pet’s coverage started, including waiting periods.

Co-Pay and Reimbursement

These can be confusing. The “co-pay” is the amount you pay and the “reimbursement” is the amount Figo pays. You can choose from various reimbursements. 70%, 80, 90% and 100%

Annual Deductible

Some companies require you to pay a deductible for each new illness or injury that occurs. They call it “Per Condition,” we call it “Not Cool.” With Figo, your deductibles are for the entire year of your coverage. You meet your deductible. You’re done.

Waiting Periods

These vary widely between companies. With Figo, we require a 14-day waiting period for illnesses. But we know things happen -- that’s why we only require a 5-day waiting period for accidents. The waiting period begins the day after enrollment or the day you select as your effect date.

Figo provides up to 100% coverage with unlimited annual medical benefits

Blue check mark

What's Covered

Here's the deal...If your pet has an illness or injury, and it is not a pre-existing condition, you’re covered. Period.

  • Veterinary Exam Fees (optional)
  • Illness or Injury
  • Accidents
  • Emergency & Hospitalization
  • Surgeries
  • Prescriptions
  • Veterinary Specialists
  • Hereditary Conditions
  • Congenital Conditions
  • Chronic Conditions
  • Holistic & Alternative Therapies
  • Prosthetics & Orthopedics

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's not covered.

  • Pre-existing Conditions
  • Routine or Preventative Care
  • Spaying or Neutering
  • Experimental Procedures
  • Breeding, Pregnancy or Giving Birth
  • Cloned Pets or Cloning Procedures
  • Cosmetic Surgery
  • Coprophagia (Yep this is an actual medical term; aka eating poop)
  • See Full List
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Now it's Your Turn

Use the dropdowns below to create real life examples of how Figo would 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

Easy & Affordable

We designed our 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 See less See more

$10,000 $14,000 Unlimited

Veterinary Exam for Injury or Illness (optional)

available available available

Emergency & Hospitalization

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available available available

Prescription Medications

available available available

Advanced Cancer Treatments

available available available

Veterinary Specialist Treatments

available available available

Chronic Conditions

available available available

X-Rays, MRIs, Cat Scans, Ultra Sounds

available available available

Diagnostic Testing

available available available

Knee Conditions (such as ACL)

available available available

Hip Dysplasia

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available available available

Hereditary & Congential Conditions

available available available

Non-Routine Dental

available available available

Holistic & Alternative Therapies

available available available

Prosthetic & Orthotic Devices

available available available

Co-Pay & Deductible Waived for Emergency, Life-Saving Treatment

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Behavioral Problems

available available available

Emergency Boarding Fees

available available

Lost Pet Advertising and Reward

available available

Lost Pet Due to Theft or Straying

available available

Emergency Vacation Cancellation


Death from Covered Illness or Injury


Take the next step in protecting your pet

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Sample Policy




Sample Policy