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Pet Insurance policies are underwritten by Independence American Insurance Company.

Pet Insurance Coverage for Accidents and Emergencies

illustration of a pug

Knowing that your beloved pet needs emergency care for a serious accident or injury can be one of the most stressful experiences a pet parent will encounter. Of course, you want the best treatment available for your dog or cat. However, emergency medical treatment is expensive — with costs between two to three times more than what your regular veterinarian might charge.

Delaying treatment in many situations is not an option. For example, a dog suffering from bloat or a cat that’s been struck by a car will require immediate medical attention. Figo Pet Insurance covers emergency visits to licensed vets, worldwide, so you'll be able to get your pets the treatment they require.

Common accidents or emergencies of dogs and cats

The average cost of emergency veterinarian care ranges from $800 to $1,500. Unfortunately, most of us aren't in the financial position to cover an unexpected vet bill that could be in the thousands of dollars, even if we have some savings set aside for our pets.

The following are just some of the reasons that a dog or cat could require immediate medical attention:

  • Being struck by a car

  • An attack by a dog or another animal

  • Poisoning or ingestion of harmful or dangerous substances or food

  • Serious health conditions, such as pancreatitis

  • Burns or electrical shocks

  • Snake bite

  • Broken bone or sprain

  • Dental injuries or illnesses

  • Allergic reaction, such as to a bee sting

  • Bloating

These conditions and injuries could end up costing you thousands of dollars to treat. For instance, the average treatment and recovery time for a dog recovering from bloat is about 48 to 72 hours. As for the typical cost of treatment? It generally starts at about $2,500 and can go much higher, depending on numerous factors.

Broken bones, a common injury in dogs and cats, typically cost around $1,500 to repair. Unfortunately, that figure can skyrocket quickly if there are multiple breaks or any complications.

Symptoms that your pet may not be feeling well

The person who best knows and understands your dog or cat is you. Your pet depends on you to notice when they are not feeling well or have an injury.

The following are some telltale signs that your pet may need immediate medical attention:

  • Lethargy

  • Pale or blue-colored gums

  • Severe vomiting

  • Change in bowel movements

  • Labored breathing

  • Excessive drinking and/or urination

  • Limping

  • Biting, licking, or chewing at limbs

  • Change in appetite

  • Lumps or tumors

  • Unusual whining or crying

How Figo Pet Insurance works with you in the event of an emergency

When your pet suddenly becomes ill or has a serious injury, the last thing you want to do is struggle with cumbersome paperwork or fret about being reimbursed. That is why Figo has streamlined the process.

After your vet visit, you'll simply need to upload your vet bill(s) to Figo. Most Figo claims close in less than three days! We will then issue a check to you or — if you prefer — make a direct deposit to your bank account.

Pet insurance for accidents — let Figo help

We designed our pet insurance plans with you in mind. Not only have we made the reimbursement process quick and easy, but we also allow you to use your preferred veterinarian.

We understand that most pet owners would much rather work with a veterinarian with whom they’re familiar during an emergency, so we won't dictate where you can take your dog or cat for treatment. Instead, you are free to use the veterinarian, emergency hospital, or specialist of your choosing, worldwide.

Further — because we know that all pets are unique — we offer robust plans that can be customized to fit your pet perfectly. Figo is also one of few providers to offer 100% reimbursement to policyholders.

In addition, we will give you access to the Pet Cloud app – an insurance app you’ll actually like using. Not only can you store your pet's medical records on this app, but you can also use it to find a dog walker or locate pet-friendly restaurants.

More importantly, you can use the app to chat for free with a live veterinary professional 24 hours a day, seven days a week. Our customers love this feature, particularly in cases of emergency.

Having pet insurance for emergencies is important for your pet’s health and your peace of mind. For more information about our plans and to find the one that just feels right, contact us today.