Published policy structure · verify current terms
Figo
Known for the only published 100% reimbursement tier in this database, plus short accident waits in many states.
Figo — mechanics sheet
Who this structure fits
Figo makes the most sense when its signature mechanic matches your situation: the only published 100% reimbursement tier in this database, plus short accident waits in many states. The published unlimited annual option matters most for large and giant breed classes where single claims run high. The published curable-pre-existing pathway is a real differentiator if your pet has a resolved condition in its history.
What to watch
state-by-state variation is wider than most — the knee/ortho wait and accident wait both depend on your filing.
This sheet describes typical published policy structure — state filings differ, menus change, and your policy documents are the only binding source. We publish mechanics comparisons, not superlative rankings: the right structure depends on your breed class, your ZIP, and your risk tolerance.
FAQ
How does the Figo deductible work?
Figo publishes an annual deductible structure ($100–$1,500 class): you meet it once per policy year across all conditions, then reimbursement applies for the rest of that year. Verify the current menu when you quote — published classes change.
What waiting periods does Figo publish?
Typical published classes: accidents ~1–5 days (varies by state), illness ~14 days, and orthopedic events up to 6 months for knee conditions in some states. Waiting periods are the clause most shoppers skip and most claims adjudicate against — confirm them on your actual policy documents.
How does Figo treat pre-existing conditions?
Published language frames curable conditions as eligible again after a symptom-free window in many filings — check current policy for your state. No pet insurer covers conditions that are already active at enrollment — the comparison point is whether a published pathway exists for cured, symptom-free conditions to become eligible again.
Questions about your pet's health belong with your veterinarian. BreedCovered covers how insurers price and structure policies — nothing here is medical advice.