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Customized by You

Design your pet’s plan in less than 60 seconds.

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Your first name.

Protect all the members of your family.

What is cat health insurance?

  • Figo Pet Insurance frees you from financial stress when choosing the best available veterinary care for your cat.
  • Our cat health insurance plans cover the unexpected illnesses and injuries.
  • You can visit any licensed veterinary practice, emergency hospital or specialist.
  • We will reimburse up to 100% of your actual vet bill with unlimited coverage and no limits on claim payouts.
  • With our three flexible cat insurance plans, you can customize both your reimbursement percentage and annual deductible.
Customize your Figo cat insurance plan.

How does cat insurance work?

  • Purchase the plan that best suits you and your cat.
  • When your cat is injured or ill, seek the best veterinary treatment available for your furry friend.
  • Submit your veterinary bills to Figo and receive electronic reimbursements.
 Figo Pet Insurance Online

Why do I need cat insurance?

  • Today, there are more advanced veterinary treatments and specialty care options available for your cat.
  • Advanced medical care is expensive, and we believe the best cat medical care should be an automatic "yes,” without hesitation.
  • Since Figo's plans average less than $1.50 per day, you’ll have peace of mind knowing your cat will receive the best medical care.

I signed up for cat health insurance after discussing it with some friends that do cat rescue. They all recommended it, and I'm so glad I decided to do it. Figo provided great rates and their customer service is fantastic. One of my cats had to go in for a kitty cold, I submitted the claim that day and it was taken care of promptly. I'm very happy with my choice.

Brittany L.

Things You Need to Know

We know cat insurance can be confusing. Here are a few things to keep in mind.

Veterinary Exam Fees (optional)

This one is important. Believe it or not, some carriers won’t pay your veterinary examination fee related to a covered illness or injury. We do.

Pre-Existing Conditions

As with all cat insurance policies, ours exclude pre-existing conditions. This means a condition that first occurred or showed clinical signs before your cat’s coverage started, including waiting periods.

Co-Pay and Reimbursement

These can be confusing. The “co-pay” is the amount you pay and the “reimbursement” is the amount Figo pays. You can choose from various reimbursements. 70%, 80, 90% and 100%

Annual Deductible

Some companies require you to pay a deductible for each new illness or injury that occurs. They call it “Per Condition,” we call it “Not Cool.” With Figo, your deductibles are for the entire year of your coverage. You meet your deductible. You’re done.

Waiting Periods

These vary widely between companies. With Figo, we require a 14-day waiting period for illnesses. But we know things happen -- that’s why we only require a 5-day waiting period for accidents. The waiting period begins the day after enrollment or the day you select as your effect date.

Figo provides up to 100% coverage with unlimited annual medical benefits

What's Covered

Here's the deal: If your cat has an illness or injury, and it is not a pre-existing condition, you’re covered. Period.

  • Veterinary Exam Fees (optional)
  • Illness or Injury
  • Accidents
  • Emergency & Hospitalization
  • Surgeries
  • Prescriptions
  • Veterinary Specialists
  • Hereditary Conditions
  • Congenital Conditions
  • Chronic Conditions
  • Holistic & Alternative Therapies
  • Prosthetics & Orthopedics

What's Not Covered

Here’s the other deal...

At Figo we have nothing to hide. We think it is just as important to show you what's not covered.

  • Pre-existing Conditions
  • Routine or Preventative Care
  • Spaying or Neutering
  • Experimental Procedures
  • Breeding, Pregnancy or Giving Birth

Now it's Your Turn

Use the dropdowns below to create real life examples of how Figo would pay your claim.

Hey so my got treated at the Vet for
and the bill

came to . — yikes!

Luckily, I had the from Figo.
My deductible was and my reimbursement was at .

All I paid was and FIGO paid .

*Amounts shown are based on actual veterinary bills and may vary depending on city and state

Easy & Affordable Cat Insurance

We designed our cat insurance plans to be straightforward and simple, so you can spend less time choosing and more time with your pet.

Essential Most Popular Preferred Ultimate

Annual Veterinary Benefits

Detailed Coverage
$10,000 $14,000 Unlimited

Veterinary Exam for Injury or Illness (optional)

available available available

Emergency & Hospitalization

available available available


available available available

Prescription Medications

available available available

Advanced Cancer Treatments

available available available

Veterinary Specialist Treatments

available available available

Chronic Conditions

available available available

X-Rays, MRIs, Cat Scans, Ultra Sounds

available available available

Diagnostic Testing

available available available

Knee Conditions (such as ACL)

available available available

Hip Dysplasia

available available available


available available available

Hereditary & Congential Conditions

available available available

Non-Routine Dental

available available available

Holistic & Alternative Therapies

available available available

Prosthetic & Orthotic Devices

available available available

Co-Pay & Deductible Waived for Emergency, Life-Saving Treatment

available available available


available available available

Behavioral Problems

available available available
Hide Detailed Coverage

Emergency Boarding Fees

available available

Lost Pet Advertising and Reward

available available

Lost Pet Due to Theft or Straying

available available

Emergency Vacation Cancellation


Death from Covered Illness or Injury


Take the next step in protecting your pet

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Sample Policy