Compare Pet Insurance

Coverage

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.

Reimbursement

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.

Claims Limits

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.

Pre-existing Conditions

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.