What's covered?

Veterinary Exam Fee  - We cover the veterinary exam fee for covered treatments. Please be aware that some other pet insurance companies will not reimburse you the veterinary exam fee even if associated with an illness or injury. Keep in mind, routine exams are not covered under your Figo policy, as they are considered preventative or maintenance exams.
 
Emergency and Hospitalization - We cover all emergency and hospital care. 
 
Surgery - We cover all forms of surgery needed to treat your pet as long as it is relating to a covered injury or illness.
 
Hereditary and Congenital Conditions – We cover hereditary or congenital conditions (some companies don't), as long as they are not considered to be a pre-existing condition.
 
What is a hereditary condition? A hereditary condition is passed down from a pet's parents. Pure breeds, especially dogs, are particularly susceptible.
 
What is a congenital condition? A pet can develop a congenital condition in utero, before the pet is born. These conditions can often lead to other complications and diseases.
 
Hereditary and congenital conditions in dogs and cats can cause pretty serious problems later in life.  These problems can be very expensive to treat. Figo has decided to cover them to make sure you and your pet are protected when you need it most.
 
Prescription Medications – We cover prescriptions prescribed by licensed veterinarian that relate to the treatment of a covered illness or injury.
 
Cancer Treatments - Cancer places fear into all of our hearts. Luckily, advancements are being made in animal medicine that are saving and extending the quality of life for both dogs and cats.  We are proud to cover the most advanced, cutting edge treatments for cancer, such as CyberKnife™ Radiosurgery. We know that your pet is irreplaceable which is why we will fight alongside you to keep them healthy and happy by covering the treatment that is best for their recovery.
 
Specialty Care - Specialty clinics and hospitals are required for advanced surgeries or treatment that your primary veterinarian is unable to perform. No referrals are required and we do not limit coverage for the specialists (Caution:  some pet insurance companies do). Some examples of Specialty Care include:  Oncologists for cancer treatments, Cardiology, Neurology, Internal Medicine Experts, Radiology, Surgery, Advance Imaging, Orthopedics and Critical Emergency Care.
 
Chronic Conditions - Any chronic condition that first shows signs after your policy waiting period, is covered for the life of your pet as long as they maintain continuous coverage with Figo. Some common chronic conditions include:  allergies, diabetes, obesity, cancer, dry eyes and asthma.

X-Rays, MRIs, Cat Scans, Ultrasounds & Blood Work - Diagnostic testing considered medically necessary by a licensed veterinarian to help diagnose or treat your pet for an illness or injury is covered under our policy.
 
Ligament and Knee Conditions Such as Anterior Cruciate Ligament (ACL) Conditions - While our policy has a 6 month waiting period on this coverage, that waiting period will be waived if your veterinarian certifies your pet's knees are healthy. Please see “the other knee if my pet has cruciate treatment history” in the Policy Exclusions section.
 
Hip Dysplasia - While some companies exclude hip dysplasia, Figo fully covers it as long as it is not deemed pre-existing.
 
Rehabilitation – We cover rehabilitation treatments as long as they are performed by a licensed veterinarian and for the treatment of a covered illness or injury.
 
Prosthetic and Orthotic Devices - Figo provides coverage for orthotics, prosthetics, and carts, under all plans, as part of a treatment plan for a covered illness or injury. We are proud provide a benefit that helps disabled pets live happy, normal lives.

Physical Therapy - We cover physical therapy when it is related to a covered illness or injury and administered by a licensed veterinarian.
 
Holistic and Alternative Therapies (Including Homeopathic, Acupuncture, Chiropractic) - We cover holistic and alternative therapies when they are related to a covered illness or injury and administered by a licensed veterinarian.

Stem Cell Therapy - Our policy covers stem cell therapy if it is provided by a licensed veterinarian who deems it necessary for the treatment of your pet's covered illness or injury. 
 
Non-Routine Dental Treatments -  Figo covers dental treatment if it is part of a treatment plan for a covered accident or illness. We do not cover routine, preventative dental.
 
Costs of Euthanasia - We will cover the cost of euthanasia as long as it is deemed medically necessary by your veterinarian and it is the result of a covered accident or illness.
 
Behavioral Therapy - Figo covers behavioral therapy. The maximum benefit that we will pay for consultations by a veterinarian to diagnose and treat behavioral problems is subject to the policy plan chosen:
 
Essential = $250 annually   Preferred = $500 annually   Ultimate = $1000 annually
 
Boarding Kennel & Cattery Fees - If your pet is insured under either the Preferred or Ultimate plan, Boarding Kennel & Cattery Fees coverage is included in their policy. Boarding Kennel & Cattery Fees coverage means that we will pay up to $250 in the Preferred Plan (up to $500 in the Ultimate package), for the boarding your pet at a licensed kennel or cattery if you are hospitalized for 96 hours or more due to sickness, disease or bodily injury.
 
Advertising & Reward - As an added benefit of our Preferred and Ultimate plans, we include coverage for Advertising & Reward. Advertising & Reward coverage protects you if your pet is stolen or strays during the policy period. We will pay for the cost of advertising or offering a reward, up to $250 in the Preferred plan and up to $500 in the Ultimate plan. No co-pay or deductible would apply to this coverage.

As soon as you find your pet is missing, in order for coverage to apply, please make sure to do the following steps: 

1. Notify the police that your pet is missing and be sure to ask for a reference number and written confirmation of your report. 
2. Notify the five closest veterinary clinics or animal shelters to the area where your pet was last seen. 
3. Save any receipts for advertising and reward. 
 
Loss Due To Theft or Straying - If you are in our Preferred or Ultimate plans and your pet is stolen or goes missing during your policy period and is not found within 30 days, we will pay up to $250 for price you paid for your pet if you are in the Preferred plan (up to $500 in the Ultimate plan).
 
If you did not pay for your pet or are unable to locate the original paid receipt, we will still provide coverage. In this scenario, we will pay the lesser of the current local humane society adoption fee for the species of your pet or $150. There is no co-pay or deductible applied to this coverage. 

As soon as you find your pet is missing, in order for coverage to apply, please make sure to do the following steps: 

1. Notify the police that your pet is missing and be sure to ask for a reference number and written confirmation of your report. 
2. Notify the five closest veterinary clinics or animal shelters to the area where your pet was last seen. 

Vacation Cancellation - We offer Vacation Cancellation coverage as a benefit in our Ultimate plan. This means, if you plan your dream vacation and your pet suddenly needs immediate life-saving treatment, you are not left high and dry.
 
If you are in the Ultimate plan, we will pay up to $1,000 for any travel and accommodation costs that you are unable to recover as a result of having to delay, cancel or interrupt your vacation because your pet requires immediate life-saving treatment. This means either while you are away or up to 7 days before you leave. There is no co-pay or deductible applied to this coverage. There are some exceptions to this coverage so please see Vacation Cancellation Exclusions in the FAQ’s.
 
Mortality Benefit - If you are in the Ultimate plan, we will pay up to $1,000 if your pet dies or has to be euthanized by a vet during your policy period as a result of a covered illness or injury. The coverage includes up to $250 for cremation and burial expenses. It also provides reimbursement for the price you paid for your pet. If you did not pay for your pet or are unable to find the original receipt showing how much you paid, we will pay you the lesser of the current local humane society adoption fee for the species of your pet or $150. There is no co-pay or deductible applied to this coverage. There are a few reasons why your Mortality Benefit claim may not be covered. See the Mortality Benefit Exclusions description in this FAQ.
 
Working Dogs - Figo does insure Working Dogs. Due to the higher risk of injury there is a 10% increase in premium. Please call us at (844) 738-3446 if you have a working dog and are interested in purchasing a policy.
 

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