Compare Pet Insurance Plans

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.