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Up to four products side by side, on the same scale: dry matter takes the water out, and grams per 1,000 kcal puts wet and dry food together. No scores, no winners: the facts.

Fact
Figo — Accident & IllnessRemove
BrandFigo
TypeInsurance
ForCat, Dog
CoverageAccident and illness
What's coveredEligible diagnostics, surgery, hospitalization, emergency care, cancer treatment, rehabilitation, and specialist care can be covered.
ExclusionsIncurable pre-existing conditions, experimental procedures, breeding/pregnancy/birth, most parasites, cloning, cosmetic surgery
ReimbursementOptions up to 100% reimbursement
DeductibleSelected when customizing the policy; current deductible choices are shown in the quote.
How the deductible worksThe selected deductible must be met before reimbursement begins for eligible claims.
Annual limitUnlimited annual benefit option available
Payout limitAnnual benefit maximum with no per-incident caps; an unlimited annual option is available.
Waiting period: accidents1 day for accident-related injuries.
Waiting period: orthopedic conditions6 months for orthopedic conditions, subject to state-specific terms.
Waiting period waiverEligible policyholders can request an orthopedic waiting-period waiver after an examination and completed waiver form within the first 30 policy days.
Pre-existing conditionsCurable pre-existing conditions may be covered after 12 months with no signs or symptoms
Hereditary and congenital conditionsHereditary and congenital conditions can be covered when eligible and not pre-existing.
DentalEligible dental illnesses and injuries can be covered, subject to policy terms.
Exam feesVeterinary exam-fee coverage is available through an optional add-on.
PrescriptionsPrescription medications used to treat eligible covered conditions can be covered.
Preventive careOptional wellness coverage is available for eligible routine-care expenses.
Which vetsNo provider network is required; policyholders can choose a licensed veterinary provider.
ClaimsSubmit claims digitally through Pet Cloud; most complete claims close within about 3 business days.
Where it's offeredAvailability and policy terms vary by state; confirm eligibility in the current quote and policy.
Checked against the sourceJuly 23, 2026

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