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Insurance plan comparison
This tool places plan facts side by side — coverage shape, reimbursement, deductibles, waiting periods, and exclusions. iPickPet does not rank or score insurance plans and does not sell insurance. Plans are shown in the order you select them.
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| Plan facts | Figo Accident & Illness Dogs & cats · Accident + illness |
|---|---|
| Region availability | Availability and policy terms vary by state; confirm eligibility in the current quote and policy. |
| Reimbursement | Options up to 100% reimbursement |
| Deductible | Selected when customizing the policy; current deductible choices are shown in the quote. |
| Annual limit | Unlimited annual benefit option available |
| Accident waiting period | 1 day for accident-related injuries. |
| Illness waiting period | Not available |
| Orthopedic waiting period | 6 months for orthopedic conditions, subject to state-specific terms. |
| Pre-existing conditions | Curable pre-existing conditions may be covered after 12 months with no signs or symptoms |
| Enrollment age limits | Not available |
| Key exclusions | Incurable pre-existing conditions, experimental procedures, breeding/pregnancy/birth, most parasites, cloning, cosmetic surgery |
| Source | Official plan page, reviewed 2026-07-23 |