Figo · Insurance
Figo — Accident & Illness
- Cat
- Dog
Facts read from figopetinsurance.com, checked July 23, 2026. Terms change: check the policy documents before you buy.
Plan facts
- Coverage
- Accident and illness
- What's covered
- Eligible diagnostics, surgery, hospitalization, emergency care, cancer treatment, rehabilitation, and specialist care can be covered.
- Exclusions
- Incurable pre-existing conditions, experimental procedures, breeding/pregnancy/birth, most parasites, cloning, cosmetic surgery
- Reimbursement
- Options up to 100% reimbursement
- Deductible
- Selected when customizing the policy; current deductible choices are shown in the quote.
- How the deductible works
- The selected deductible must be met before reimbursement begins for eligible claims.
- Annual limit
- Unlimited annual benefit option available
- Payout limit
- Annual benefit maximum with no per-incident caps; an unlimited annual option is available.
- Waiting period: accidents
- 1 day for accident-related injuries.
- Waiting period: orthopedic conditions
- 6 months for orthopedic conditions, subject to state-specific terms.
- Waiting period waiver
- Eligible policyholders can request an orthopedic waiting-period waiver after an examination and completed waiver form within the first 30 policy days.
- Pre-existing conditions
- Curable pre-existing conditions may be covered after 12 months with no signs or symptoms
- Hereditary and congenital conditions
- Hereditary and congenital conditions can be covered when eligible and not pre-existing.
- Dental
- Eligible dental illnesses and injuries can be covered, subject to policy terms.
- Exam fees
- Veterinary exam-fee coverage is available through an optional add-on.
- Prescriptions
- Prescription medications used to treat eligible covered conditions can be covered.
- Preventive care
- Optional wellness coverage is available for eligible routine-care expenses.
- Which vets
- No provider network is required; policyholders can choose a licensed veterinary provider.
- Claims
- Submit claims digitally through Pet Cloud; most complete claims close within about 3 business days.
- Where it's offered
- Availability and policy terms vary by state; confirm eligibility in the current quote and policy.