Pet Insurance policies are underwritten by Independence American Insurance Company.
No one is permitted to sell, solicit or negotiate an insurance policy without a producer license in the state in which the plan is sold, and all prospects should be directed to Figo Pet Insurance. The information contained in this website is for illustrative purposes only and coverage under any pet insurance policy is expressly subject to the conditions, restrictions, limitations, exclusions (including pre-existing conditions), and terms of the policy documentation issued by the insurer. Availability of this program is subject to each state’s approval and coverage may vary by state. Coverage underwritten by Independence American Insurance Company (IAIC), a Delaware Insurance Company, 11333 North Scottsdale Road Suite 160 Scottsdale, AZ 85254. Live Vet and the Figo Pet Cloud are separate non-insurance services unaffiliated with IAIC. Figo Pet Insurance's California license number is 0K02763.
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It’s not really our style to compare ourselves to others, but it's important to be an informed pet parent when choosing the best coverage for your pet. Here’s what you need to know to compare pet insurance options.
Pet insurance designed with you in mind
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.
Lightning Fast Claims
Less waiting, $$ quicker than ever. On average, most claims close in just 2.6 working days.
Free 24/7 access to a licensed veterinary professional. Here for you during emergencies, no matter when they happen.
Pet insurance companies may seem similar, but the differences can be significant when it matters most. In addition to pet insurance comparison reviews and ratings, here are some key policy differences to help you find the best pet insurance for your pet.
Look closely at covered medical expenses, and more importantly, expenses not covered when you compare pet insurance coverage. All pet healthcare coverage details are provided upfront via the FAQs page, sample policies, or you can call, text, chat, email, or tweet our customer service team.
Annual deductible vs. per condition deductible
With our plans, once you have met your chosen annual deductible, you no longer pay a deductible for the remainder of your annual policy period. In contrast, a per condition deductible assigns deductibles per incident or condition—meaning cancer treatment may be subjected to a separate deductible than an ear infection. It is important to note that an annual deductible typically reimburses you more than per incident or per condition deductible.
When you compare dog and cat insurance plans, it’s important to note the reimbursements. That’s because not all companies pay on the actual veterinary bill, and some don’t cover the examination fees. All Figo pet insurance plans have the option of covering examination fees related to covered injuries and illnesses, and all plans offer a waiver for the co-pay and deductible associated with life-saving treatment.
Some companies apply claim limits per incident, per year, or over the pet’s lifetime. Figo does not limit the number of claims you can submit, nor will we raise your rates due to plan usage.
Benefits Schedule vs. Annual Plan Cap
Plans that adhere to a benefits schedule will limit the total amount of money that will be paid out per condition. Figo’s Essential and Preferred plans offer one annual plan cap, and the Ultimate Plan offers unlimited benefits.
As you compare cat and dog insurance plans, pay attention to how they approach pre-existing conditions, as most providers do not cover them. Our definition of a pre-existing condition is any injury or illness whose symptoms were showing before the start of your pet’s policy, or during a relevant waiting period. A condition is considered pre-existing based on when its symptoms first displayed—regardless of whether or not it has been officially diagnosed or treated. At Figo, we may cover pre-existing conditions considered curable if they show no signs or symptoms within 12 months of last treatment.
Pet insurance can help save you money on veterinary costs. Let’s take a quick look at how it works.
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