• All dogs and cats eight weeks old and above to enroll. (No age restriction).
  • 100% reimbursement option available.

Policy Coverage

  • Exam & Consultation Fees (optional).
  • Emergency & Hospitalization.
  • Surgeries.
  • Veterinary Specialists.
  • Hereditary & Congenital Conditions.
  • Chronic Conditions.
  • Cancer Treatments.
  • Prescriptions.
  • Imaging.
  • Knee Conditions.
  • Prosthetics & Orthopedics.
  • Hip Dysplasia


  • Pre-existing Conditions.
  • Routine, Wellness or Preventative Care.
  • Spaying or Neutering.
  • Experimental Procedures Breeding, Pregnancy or Giving Birth.
  • Cloned Pets or Cloning Procedures.
  • Cosmetic Surgery.
  • Coprophagia (the medical term for eating poop)

Other things to know...

  • Claims processing time: up to 30 days (Typically pays claims within 7-10 days).
  • 5-day waiting period for accidents.
  • 14-day waiting period for illnesses.
  • 6-month waiting period for knees (waived if vet exam during first 30 days shows no pre-existing knee conditions).
  • No wellness plan.
  • Your pet is covered when they travel with you in the U.S., Canada and Puerto Rico.
  • Vet exam fees covered for an additional cost.
  • App available to support claims via iOS and Android.
  • Covers advertising lost pets, canceled vacation due to pet illness, etc.
  • If there is a knee injury prior to enrollment or during the 6-month waiting period, Figo only covers CCL (ACL) on a second leg if the first leg remains healed for 12 months.
  • One-time $9 admin fee + $2/mo or $10/annual fee (waived if ACH setup w/bank).