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Pet Insurance

Customize your pet insurance plan

Pet Medical Insurance

We understand what it’s like to be a pet parent: Pets are part of the family. So, when Buddy the dog swallows the baby’s toy or Mittens the cat eats part of a plant—or worse yet—Buddy is diagnosed with cancer or Mittens develops diabetes, pet owners are faced with the balance between providing the best medical treatment possible with financially crippling veterinary bills. That’s why UnitedHealthcare is making available great pet insurance plan options from Figo Pet Insurance, LLC ("Figo"). Figo is underwritten by Independence American Insurance Company.

More than just pet insurance

Beyond coverage, Figo’s Pet Cloud gives you the tools you need to manage your pet’s entire life including access to a live veterinary professional 24/7 if an emergency should arise. File a claim right from your phone and get paid electronically. 

Virtual Vet
Peace of mind at any time of the day.
Interact with other pet parents around you.
A.I. Claims
Makes the claims process super easy.
Inbox & Docs
Keep your pet’s records in one place.

What is Pet Insurance?

Veterinary treatments are advancing—saving more pet lives. However, accessing those treatments can be cost prohibitive on a tight household budget. Pet medical insurance helps reduce financial stress when choosing the best available veterinary care for your dog or cat.

For a small monthly premium—based on the age, breed, location, and plan options—your pet’s medical expenses due to new illnesses or injuries may be reimbursed back to you up to 100%. Once you’ve decided on a pet insurance plan and completed any applicable waiting periods, simply submit your paid-in-full veterinary bill via your mobile device. Provide needed medical records and track your claim’s progress via Figo's mobile app. To receive payments quicker, sign up for Figo's deposit option and get paid electronically. 

What does Pet Insurance Cover?

Pet insurance plans can cover the veterinary bills related to unexpected accidents or illnesses. Typically most plans cover:

Emergency & Hospitalization
Veterinary Specialists 
Hereditary & Congenital Conditions 
Chronic Conditions
Knee Conditions
Prosthetics & Orthopedics
Hip Dysplasia

There may also be add-on options for Exam Fee coverage and other non-medical benefits. 

What isn’t covered by Pet Insurance?

Most pet insurance companies will not cover pre-existing conditions, or those conditions that show signs or symptoms prior to the policy effective date or during any applicable waiting periods. However, pre-existing conditions do not exclude pets from pet insurance, as new illnesses and injuries can still be covered. Plans do not cover:

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”)

Why pet insurance plans from Figo?

Figo offers three pet medical insurance plans with customizable deductible and reimbursements options based on your pet’s medical needs and your budget. Since these plans are based on a reimbursement model, you are able to visit any licensed veterinary practice, emergency hospital or specialist anywhere in the world.

And as a Figo pet parent, you’ll receive access to Live Vet chat via your Figo Pet Cloud mobile app—so whenever you have an urgent pet medical question, you can connect with a licensed veterinary professional anytime, anywhere.  

The Figo Pet Cloud app:

Wouldn’t it be a timesaver to access Buster’s medical records, the location of the nearest dog park, and chat with a live veterinary professional whenever you have an urgent medical question—all from the same mobile app? What if you were also able to file claims straight from your mobile device and chat with other pet parents? Introducing the Figo Pet Cloud: Your pet’s life at your fingertips. Best of all, it’s free to Figo pet parents.  

Health Insurance for Dogs and Puppies

The bond between humans and dogs spans the duration of our lives (and theirs). So, whether your (very) active puppy eats a sock or your older pooch develops hip dysplasia, dog health insurance plans can provide a financial safety net. Simply visit the veterinarian and submit your paid vet bill for reimbursement. As early as eight weeks and without upper age limits, you can find and customize a plan that’s right for your dog. And coverage will not end simply because of age, giving you more time to spend together on important things—like puppy play dates, fetch, and snuggles on the couch. 

Health Insurance for Cats and Kittens

From an eight-week old kitten to a senior cat, our cat insurance plans cover Fluffy throughout her life to give you the freedom to focus on what’s important. You have the option to choose from one of three plans with reimbursement percentages and annual deductibles that suit your budget. Once you choose your plan options and sign up, the rest becomes easier. So, whether Fluffy has a urinary tract infection or takes a bite out of your Spring lily, for a manageable monthly fee, you can purchase a cat health insurance plan and reduce worry from unexpected veterinary costs for your cat’s medical care. 

No one is permitted to sell, solicit or negotiate an insurance policy without a producer license in this state, and all prospects should be directed to Figo Pet Insurance. The information contained in this website is for illustrative purposes only and coverage under any pet insurance policy is expressly subject to the conditions, restrictions, limitations, exclusions and terms of the policy documentation issued by the insurer. Availability of this program is subject to each state’s approval and coverage may vary by state. Pet insurance policies are underwritten by Independence American Insurance Company (IAIC), a Delaware Insurance Company. Insurance plans and the Figo Pet Cloud are administered by Figo Pet Insurance, LLC. Live Vet is a separate non-insurance service unaffiliated with IAIC.