Pet Insurance policies are underwritten by Independence American Insurance Company.
Figo cuts the fluff. Flexible plans, fewer limits, and up to 100% back on vet bills.
We help take the stress out of unexpected vet bills
*At an additional cost
Here’s how Figo makes coverage easier to understand—and easier to use
Up to 100% Back on Eligible Care
Less time doing mental math, more time focusing on your pet
24/7 Live Vet
On-demand advice when you need clarity fast, all on an easy-to-use app
No Upper Age Limits
From first fetch to final stretch, we’re here for it all
Accidents
When living their best life ends in ‘ouch’ or ‘oops’
Illnesses
From sniffles to skin issues and lots in between
Hereditary & Congenital Issues
Some conditions come with the territory
Veterinary Specialists
For pets who need a little extra care
Alternative Therapies
Not everything fits a standard script
Diagnostic Testing
Answers when something feels off
Cancer Treatments
Your pet deserves a fighting chance
Prescriptions
Whether hiding in cheese or stuffed in PB
Orthopedic Conditions
When mobility gets complicated
Chronic Conditions
Ongoing care can add up. The bills shouldn’t
And More! Check your sample policy or contact us for complete coverage details
Pre-Existing Conditions
Experimental Procedures
Breeding, Pregnancy or Giving Birth
Cloned Pets or Cloning Procedures
Cosmetic Surgery
Money back for exams, vaccines, & other routine care so pets stay happy and healthy
Helps cover the cost of just getting in the door. For accident & illness visits only
A quick guide to what common coverage language really means
Deductible
The amount you pay out of pocket before your coverage kicks in
Reimbursement
The portion of the vet bill paid back to you after your deductible. PS- we offer up to 100% back!
Premium
What you pay each month to keep your coverage active
Annual Cap or Annual Coverage
The max amount of approved costs that you can get reimbursed for in a year
Waiting Periods
The time frame after you enroll before coverage begins
See how a real-world claim might work, from vet bill to reimbursement
Calculate real-life pet health scenarios
* Hypothetical example(s) for illustrative purposes only. Actual reimbursement may vary depending on specific policy terms including: coverage selected, annual deductible, reimbursement rate, and annual limit. Individual experiences and outcomes may vary.
