Pet Insurance policies are underwritten by Independence American Insurance Company.
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 health 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 3 working days*.
*Figo Claims Data, 2025
Live Vet
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.
Coverage
Look closely at covered medical expenses, and more importantly, what's not covered when you compare pet insurance companies. Figo's pet insurance coverage details are provided upfront via the FAQs page, sample policies, or you can contact our customer service team.
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.
Annual Deductible vs. Per Condition Deductible
With Figo, 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—so cancer treatment may be subjected to a separate deductible than an ear infection. An annual deductible typically reimburses you more than per incident or condition deductible.
Reimbursement
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 exam fees related to covered injuries and illnesses, and all plans offer a waiver for the co-pay and deductible associated with life-saving treatment. We also offer up to 100% back!
Pre-Existing Conditions
Pay attention to how insurers approach pre-existing conditions, as most providers do not cover them. Our definition? Any injury or illness whose symptoms were showing before the start of your pet’s policy, or during a relevant waiting period. Figo may cover pre-existing conditions considered curable if they show no symptoms within 12 months of last treatment.
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