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Underwriting

Pet Insurance policies are underwritten by Independence American Insurance Company.

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1 Up to a 10% group discount is available. Discounts vary by state and are subject to change. Not available in all states.

Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit https://figopetinsurance.com/state-documents-and-sample-policies. Products, schedules, and rates may vary and are subject to change. Discounts may vary and are subject to change.

Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.

Insurance products are underwritten by Independence American Insurance Company (NAIC #26581), a Delaware insurance company located at 11333 N Scottsdale Rd., Ste. 160, Scottsdale, AZ 85254. Policies are produced by Figo Pet Insurance, LLC (NPN: 16841904; CA license 0K02763)

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Copyright © 2015-2026 Figo Pet Insurance LLC. All rights reserved

Figo vs.
Lemonade Pet Insurance

Insurance plan coverages
Three Flexible Plans for Illness & Injury
Unlimited Lifetime Benefit Plan
Wellness Plan
One Annual Deductible
100% Reimbursement Option
No Per Incident Cap on Claims
Illness Waiting Period 14 Days or Better
No Upper Age Limits
Chronic Conditions
Congenital & Hereditary Conditions (included)
Hip Dysplasia (without additional caps or age limits)
Advanced Cancer Treatments
Chiropractic & Acupuncture (included)
Prescription Medications (included, without additional cap)
Mobility Devices
Diagnostic Services
Examination & Consultation Fees (optional)
Rehabilitation (optional, without additional cap)
Curable Pre-Existing Conditions
File Claim from Mobile App
Real-time Claim Status with Push Notifications
Claim Close Time (within 2-3 business days)
AI Claims Assistant
Online Pet Cloud Account (and Mobile App)
Pet Profile with Pet Tag ID
24/7 Live Vet Chat (included for customers)
Store Pet Records Online
Reminders with Push Notification
Socially Connect with Other Pet Parents
Explore, Pet Friendly Location Finder
Customer Service via Facebook Messenger
Customer Service via Text Messaging
Customer Service via Live Online Chat
Figo
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Get a Quote
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Customized by you

Design your pet’s plan in less than 60 seconds!

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