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Pet Insurance policies are underwritten by Independence American Insurance Company.

Pet Insurance

Designed for pets and their people

Find a perfect plan for your pet

Pet insurance that fits into your life, not the other way around.

More than just insurance

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  • Care Figo Incident Caps

    No Per Incident Caps We don’t cap claim payments by condition type, so you can make the most of your annual benefits.

  • Chip ID Icon

    Coverage for Curable Pre-Existing Conditions We may cover pre-existing conditions considered curable if they show no signs or symptoms within 12 months of treatment.

  • Lightening Bolt Icon

    Lightning Fast Claims Less waiting, $$ quicker than ever. On average, most claims close in just 2.6 working days.

  • Care Figo Wellness

    Figo Wellness Powerup Stay on top of yearly exams & more with preventative coverage!

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    Live Vet Free 24/7 access to a licensed veterinary professional. Here for you during emergencies, no matter when they happen.

  • Care Personalized Pet Tag

    Personalized Pet Tag Synced to your Pet Cloud. Helps reunite you and your pet if they go missing.

What real pet parents
are saying

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Quick, efficient from start to finish of entire process. Staff was helpful, friendly and very knowledgeable. Highly recommend!

Deborah S,

Pet Parent to Winston & Lacey

What Does Figo Cover?

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  • Emergencies Icon

    Emergencies
    Here for you when the unpredictable happens.

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    Surgeries
    When your pet goes under, we go above and beyond to put you at ease.

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    Veterinary Specialists
    Not all issues are straightforward. Coverage for the extra help your pet needs to feel their best.

  • Magnifying Glass Icon

    Diagnostic Testing
    Get to the root of the problem without worrying about costs.

  • Knee Injury Icon

    Orthopedic Conditions
    So your pet can run, jump, and play another day.

  • Prescription Icon

    Prescriptions
    Whether they're hiding in cheese or stuffed in some PB, get money back for eligible Rx.

  • Heartbeat Icon

    Chronic Conditions
    Lifelong treatments can add up. Your pet deserves health and happiness no matter the condition.

What's Not Covered

  • Pre-existing conditions

  • Experimental Procedures

  • Breeding, Pregnancy, or Giving Birth

  • Most Parasites

  • Cloned Pets or Cloning Procedures

  • Cosmetic Surgery

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Pet Insurance Makes a Big Difference

Fast claims, so you and your pet can get back to playtime.

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family and cat small
family and cat small
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Claim Calculator

Create real-life pet health scenarios and calculate how Figo may pay your claim.

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

$1985

-- yikes!
Luckily, I had the
from Figo.
My deductible was
and my
reimbursement was at
.
All I paid was

$647

and Figo paid for

$1338

.

* Calculations are specific to certain Figo Pet Insurance products. Claims processing varies by product.

Questions?
We have answers!

Woman on bike with dog
What is Pet Insurance?
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Pet Insurance is an insurance plan that covers unexpected illnesses and injuries that may happen to your dog or cat. When you select a plan through Figo, you get:

  • Freedom from network restrictions, so you can visit any licensed vet practice, emergency hospital, or specialist worldwide.

  • A flexible plan, fully customized to your budget and pet’s needs

  • Access to up to 100% reimbursement of your vet bills, with the option of unlimited annual benefits

  • Plans that average under $1.50 per day

Why is Pet Insurance Important?
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Our pets are everything to us. That's why we never want anyone to have to choose between their savings and their pet. As much as we don’t like to discuss the tough parts of pet parenting, it's important to be realistic. In the lifetime of your pet, chances are high that an unforeseen accident or illness will pop up.

In fact, 1 in 3 pets will need emergency veterinary treatment at some point in their lives, and preventative care alone can cost over $400 annually*. A pet insurance plan through Figo simplifies the process and makes getting money back for being a proactive pet parent easy.

*Preventative care coverage is available with our Figo Wellness Powerup

Is Pet Insurance Worth the Cost?
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We think so - here's why: As pet care gets more advanced and more treatment options become available, the financial burden of veterinary procedures increases. We know you’d do anything to keep your pet happy and healthy, and we want you to do so without breaking the bank.

Hello pet insurance! Pet insurance provides coverage for unexpected injuries, illness, and preventative care. With a plan through Figo Pet Insurance, you can be empowered to make care-based, rather than cost-based, pet health care decisions.

How Much is Pet Insurance?
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It's no secret - vet care can be wildly expensive. In fact, 56% of Americans don’t
have enough savings to cover a $1,000 emergency. Yikes!

Let's take a look at the prices of some common accidents and illnesses:

Foreign Object Ingestion - $3k
Hit by Car – $3.7k
Torn ACL - $5.4k
Hip Dysplasia - $7k
Cancer - $9k

Will My Vet Accept My Pet Insurance Plan?
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Unlike human health insurance, there’s no need to worry about networks. Figo works on a reimbursement model, so you can take your dog or cat to a licensed vet anywhere in the whole wide world!

What Are the Benefits of Our Wellness Powerup?
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You get yearly exams and check-ups. So should your pet. Figo Wellness gives you money back for the preventative care that matters most, including...

Annual Exams – Routine care ensures that you catch any issues before they snowball, because prevention is the best medicine
Spay/Neuter – Coverage for doing your part to prevent homeless cats and dogs
Vaccines – An up-to-date pet is a happy one. Vaccines ensure your pet is always daycare and dog park ready.
Dental Cleanings – Keep those canines pearly white with regular cleanings. No cavities here!

Learn more about our Powerups

What Should I Know About Pre-Existing Conditions?
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Like most pet insurance providers, Figo does not cover pre-existing conditions. These are conditions that first occurred or showed clinical signs before your pet's coverage started or during the waiting periods.

At Figo, we distinguish between curable and incurable, covering curable ones after your pet is symptom and treatment-free for 12 months.

Learn more about coverage for pre-existing conditions

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No one is permitted to sell, solicit or negotiate an insurance policy without a producer license in the state in which the plan is sold, and all prospects should be directed to Figo Pet Insurance. The information contained in this website is for illustrative purposes only and coverage under any pet insurance policy is expressly subject to the conditions, restrictions, limitations, exclusions (including pre-existing conditions), and terms of the policy documentation issued by the insurer. Availability of this program is subject to each state’s approval and coverage may vary by state. Coverage underwritten by Independence American Insurance Company (IAIC), a Delaware Insurance Company, 11333 North Scottsdale Road Suite 160 Scottsdale, AZ 85254. Live Vet and the Figo Pet Cloud are separate non-insurance services unaffiliated with IAIC.

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