The Personal Data you choose to provide to, or that is collected by, those Third Party Services is not covered by the Agreement. 1 in 3 pets need emergency vet treatment each year. As the creator of the first cloud-based approach to pet policies, they've made it easier than ever to keep your pet healthy and happy - and to submit claims for fast payment. Any information that you provide about yourself and your pets must be accurate. You may elect not have your full name serve as the name associated with your Figo Pet Cloud profile, but we reserve the right to force foreclose any username. In no event may you use language that is offensive, vulgar, violent, unlawful, or discriminatory or that infringes someone’s intellectual property rights, or otherwise violates the Terms. The only thing missing with this provider are routine/wellness care options. Additionally, your premium will be affected by your pet's age each year, as the risk for more costly claims grows higher. As a Controller, Figo is bound by the provisions of the GDPR and agrees to comply with those provisions when in possession of such Personal Data. THE COMPANY DISCLAIMS LIABILITY FOR SUCH ERRORS AND DOES NOT WARRANT OR REPRESENT THAT THE CONTENT ON OUR SITE OR A LINKED WEB SITE IS UPDATED OR COMPLETE. For example, we may use cookies to personalize your experience on our website, if you have accepted this option (e.g., to remember your customer ID on a login page). Every Thursday (closed between 2:45-4pm CT), Friday, November 27 (Customer Service open between 8am - 4:30pm), Figo Pet Insurance LLC, on behalf of Independence American Insurance Company, Independence American Insurance Company, a Delaware insurance company (see, Markel American Insurance Company–A Stock Company | 4521 Highwoods Parkway, Glen Allen, Virginia 23060, Markel Insurance Company–A Stock Company | Ten Parkway North, Deerfield, Illinois 60015, Figo Pet Insurance, LLC., Chicago, Illinois, Your name, postal address, email address, and telephone number, Policy coverage, claim history, premiums, and payment history, Information from a veterinary medical provider concerning your pet’s medical records, via forms you submit to us such as applications, claims, and policy updates. Figo covers all emerge… We currently operate the following websites:,, and 2.   1. Acceptance of and modifications to this Privacy Policy. If we disagree, you may file a short statement of dispute with us. Copyright © 2015-2020 Figo Pet Insurance LLC. Credit Card Information, Debit Card Information and other payment method information is used only for payment processing and fraud prevention. You can only pay for Figo products or services using a credit card, debit card, ACH direct debit transfer from a checking account or such other method of payment disclosed to you on the applicable checkout page. Figo strives to keep your Personal Data accurately recorded. Fees are assessed by state. “Credit Card Information” means certain credit card information, including your card number, CVV number, expiration date, phone number, name, billing address, and email address. Purposes for which we collect Personal Data. No co-pay or deductible will apply if your pet requires immediate, life-saving treatment.   Included with every insurance policy, and available as a standalone product. We will evaluate your pet's medical history during the claim process to determine if the condition existed prior to your enrollment or within the subsequent waiting period. A pre-existing condition is any injury or illness whose symptoms were showing before the start of your pet’s policy, or during a relevant waiting period. Each pet has its own policy with its own plan, co-insurance, deductible and PowerUp options. You understand that we may refuse to accept or transmit your Content or Images for any reason and may remove your Content, Images or Personal Information from our sites or services for any reason. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer. If you cancel your insurance policy during the first 30 days of your policy period, you will receive a full refund of the premium amount, provided that you have not submitted a claim. Key Facts About Figo: On average, company reports that plans cost less than $1.50 per day (or $45 per month)   You are granted a nonexclusive, nontransferable, limited and revocable right to access, use, display, and navigate our sites solely for your personal, non-public and non-commercial use. The annual deductible can be set between $100 and $750 for most pets, and reimbursement ranges from 70% to 100%. One-time admin fee of $9 Figo's pet insurance plans are easy to understand and very affordable: the only policies on the market that include a 100% reimbursement option, in addition to unlimited annual coverage limits. “EU” means the European Union. Can I appeal this decision? Figo does not claim ownership of any Images or Content that you post on or through our sites and services. Any reliance you place on such information is strictly at your own risk. These range in what they cover as well as the annual benefit, typically ranging from $5k in annual benefits up to unlimited annual benefits for a higher monthly premium. We will then cancel this policy and refund the premium in full, as long as you have not filed a claim. Images, Content and General Conditions about Social Networking. Pet Insurance offers your employees reimbursement for out-of-pocket veterinary costs. After receipt of the policy by the owner, the policy may be returned by the insured for cancellation by delivering it or mailing it to the insurer or to the agent through whom it was purchased within 30 days. In all states other than those listed below: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. If you cancel your insurance policy after the first 30-day period or have submitted a claim, your policy will be cancelled effective the date of your written request, and you will be refunded a pro-rata amount of your paid premium subject to any applicable state rules or regulations. 10. 5. Figo is not a backup service and you agree that you will not rely on Figo for the purposes of Content or Images backup or storage. 540 N. Dearborn Street Don't know if we would be where we are today without the support of his medical team, which has only been financially possible because of Figo. However, the use of this information by any purchasing or surviving entity would be governed by the terms of this Privacy Policy, as amended from time to time, including any amendment after such transaction. With other pet insurance companies, you’d expect monthly payments around $20 for cats or $40 for dogs. Your pet's medical history should include complete veterinarian notes (SOAP notes) related to prior visits and any trips to an ER or specialty hospital. To comply with legal obligations, as part of our general business operations, and for other business administration purposes. We reserve the right to modify or change these Terms after providing notice to you. The form of such notice is at our discretion. For more information, please see Section 17 below. You should exercise the necessary steps to ensure that unauthorized individuals do not access your accounts or other components of our sites, as well as your log files or any other information which is proprietary or private to you. How Much Does Figo Pet Insurance Cost? Log into your account at the Figo Pet Cloud or via the mobile app, 2. 10873 To request a pre-authorization of an upcoming treatment, please email us at, with an itemized estimate for the procedure and your pet’s full medical history. If you submit Content or Images outside of the application, e.g. We may, but have no obligation to, remove, edit, block, and/or monitor Images or Content or Accounts containing Images or Content that we determine in our sole discretion violates these Terms. GDPR recognizes that Personal Data shall be: As a Controller, Figo shall be responsible for, and shall be able to demonstrate compliance with, the foregoing principles. Pet insurance can make a huge difference in the lives of you and your pet. Please contact Customer Experience for details regarding your policy’s claim filing period. Pet medical insurance is peace of mind for those unexpected pet injuries and illnesses. Figo Pet Insurance. Note: The 30-day Free Look period is not available in the Commonwealth of Pennsylvania. You are responsible for reviewing and becoming familiar with any changes. Figo may, now or in the future, allow you to link your account(s) on our sites or services to your accounts on third party services, such as social networking sites (“Linked Accounts”). ), 15.   Costs will also change based on the type of pet you have, as well as its age and breed. Embrace includes this coverage in our policy at no extra cost. $9 - $135, depending on your chosen plan. Therefore, it won’t be covered.   You are responsible for maintaining the security of your information technology systems and computers. You may not submit materials that are or purport to be the personally identifiable information about others, such as names, postal address, email address, telephone number or any other personal attribute which would constitute harassment or an invasion of privacy. With Figo, once you meet your one annual deductible, you're done for the year. The Personal Data we may collect from you in the process of creating and maintaining an Account may include: We will collect such Personal Data from you in the following ways:   Post Office Box No. Figo customer experience will be unavailable on the following days: We will have shortened hours on the following dates: We offer a 30-day money-back guarantee, so feel free to take a look and see what Figo can do for you and your pet. Registration is required if you wish to maintain an Account with Figo and to obtain the benefits of the Figo Pet Cloud. You must not defame, stalk, bully, abuse, harass, threaten, impersonate or intimidate people or entities and you must not post private or confidential information via the our sites or services, including any credit card information, social security or alternate national identity numbers, non-public phone numbers or non-public email addresses. In addition, you grant us a license to use your profile information in connection with any use of the Images in accordance with these Terms and in accordance with our Privacy Policy. Figo Pet Insurance LLC The only thing missing with this provider are routine/wellness care options. Therefore, it. During the period you are logged into our site, we log IP addresses (a number assigned to your computer when you use the Internet), browser and platform types, domain name, access times, referral data (the last site or URL you visited before logging into our site and the first site or URL you visit after leaving our site), and your activity while using our site. Chicago, Illinois USA 60610, 9. FIGO EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO ITS SITES OR SERVICES, ANY CONTENT, IMAGES OR CONTENT SUPPLIED BY THIRD PARTIES, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We would be more than happy to discuss your cancellation over the phone and can be reached at (844)738-3446. Use of any of your Content or Images does not imply our endorsement of or any affiliation with you. If we agree, we will correct our files. Using our own furry friend, a 7-year-old male Boston mix, we'd pay $13.18 for a policy with a limit of $10,000 in annual benefits, reimbursement at 70%, and a deductible of $1000. 10873, Chicago, Illinois USA 60610 or call us at +1 844-738-3446. However, if you are renewing a policy for a dog that is 8 years or older, or for a cat that is 10 years or older, we ask that you follow your veterinarian’s advice regarding senior wellness testing. Figo has been a literal life saver and enhancer for my dog with irritable bowel disease. You can fax the form to (773) 966-0769. Intellectual Property, Trademarks and Copyrights, Figo sites or services and their entire contents, features, and functionality including, all information, software, text, displays, photographs, images, video and audio, and the design, selection and arrangement thereof, are owned by Figo, its licensors or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws and treaties. Select “More”, from the bottom right corner and choose “My Account”, 3. If you post a User Submission, Images or Content to any public forum on the Figo Sites or Services, including any social network page, blog, or other such forum, please be aware that any Personal Data disclosed in your User Submission, Images or Content can be read, viewed, collected, or used by other users of these forums, and could be used to contact you, send you unsolicited messages, or for purposes that neither you nor Figo control.   Medical records include the findings or results from a veterinary visit, including lab results, x-rays etc. You should note that cookies cannot read data off of your hard drive and they cannot be used to identify you personally. 3. 5. You may also call us at +1 844-738-3446 write to us at the above address. Coprophagia (the medical term for "eating poop").   FIGO DOES NOT ENDORSE AND IS NOT RESPONSIBLE FOR THE CAPABILITIES OR RELIABILITY OF ANY PRODUCT OR SERVICE OBTAINED FROM A LINKED WEB SITE. You can also visit our pet insurance quotes page to see how the cost of Figo stacks up against the competition. You withdraw your consent to the collection processing of your Personal Data. Note: If a payment is due on your policy, you can update and/or process the payment in the Insurance section of your Figo Pet Cloud.Â. To gather metrics to better understand how users access and use the Sites or Services; to evaluate and improve the Sites or Services; and to develop new products and services. Figo offers a variety of options that help make your pet insurance the most affordable: Choose between a 70%, 80%, 90% or 100% reimbursement level Choose between a $100, $250, $500, or $1,000 deductible Add optional coverage (wellness or rehab) Figo may require you to register on Figo Sites or Services and we may collect Personal Data from you to provide or service our insurance products, our services and products on the Figo Pet Cloud, and to complete various other transactions. You shall not submit Content or Images on our sites that you are not authorized to submit or that are illegal, indecent, profane (either directly or indirectly through partially obscured words, letters, phrases, terminology or the like), threatening, defamatory, derogatory, counter to our Privacy Policy or otherwise injurious to Figo or third parties; consist of or invoke malicious software code, constitute commercial solicitation (except where pre-approved by Figo), consist primarily of an unsolicited electronic mass mailing, be political in nature, or the like. The same level of cover for a medium-sized dog of average age will cost around $50. We are not, and shall not be, under any obligation to maintain any Content or Images in confidence, to pay compensation for any Content or Images, or to respond to any Content or Images.   No one is permitted to sell, solicit or negotiate an insurance policy without a producer license in the state in which the plan is sold, and all prospects should be directed to Figo Pet Insurance. Penalties may include imprisonment, fines, denial of insurance and civil damages. We may charge an enrollment fee. Your deductible will reset when your policy renews each year. Figo and its affiliates shall not be responsible for any other parties' use of your Content or Images, even if such third party use originated with or is derived from our use.   Figo otherwise reserves the right to remove Content and Images from our sites pursuant to our discretion and judgment, but maintains no obligation to do so. Any information you choose to provide to Third Party Services will be governed by the policies of Third Party Services.  “Controller” means a person or entity who, either alone or jointly, determines the purposes and means of the processing of Personal Data, controls the data, and is responsible for it, and does so with respect to persons (Data Subjects) who are physically located in the European Union. We accept ACH (direct from checking account) and all major credit cards. Customize and purchase the plan that suits your pet. Prevent Misuse. One of the third party cookies we use is the web analysis tool, “Google Analytics”. Figo is authorized to operate in each of the following jurisdictions and possesses the department of insurance license numbers are provided here. The timeframe in which you may reinstate your policy for non-payment differs by state. “Data Subject” means an identified or identifiable natural person. Upload/attach a copy of your paid invoice and submit your claim. We would like to feature it on the Figo social channels and materials! Figo does not control those Third Party Services or their privacy practices, which may differ from Figo’s practices. More veterinary specialists and advanced treatments are available today. If you do not agree to these Terms, please do not use our sites or services. We will pay, up to the maximum annual benefit as shown on the Declarations Page, for the actual cost(s) of any medically necessary treatment your pet receives during the policy period. By not accepting cookies, some pages may not fully function and you may not be able to access certain information on this site. 10873 Your pet does not need to be spayed or neutered to purchase a policy and coverage is not affected based on if your pet is spayed/neutered or not. All SOAP notes related to the date of service associated with the claim. The manner, mode and extent of such advertising and promotions are subject to change without specific notice to you. Figo policies are effective at 12:01am standard time at your mailing address the day after enrollment. Contact the Customer Experience team by phone, email, chat, text, or Facebook messenger. The pay-out amount is based on your actual vet bill. These Terms of Use and Underwriter and Licensing Information (these “Terms”) govern your access to and the use of Figo sites or services, including our app, products and services, content, functionality, and information about our app, products and services, your accounts, educational content, and certain other tools offered, whether as a registered user or guest (collectively, “Figo sites or services” or “our sites or services”). You agree that all information you provide to register with our sites or otherwise, including through the use of any interactive features on our sites, is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy. Subject to these Terms and our policies (including policies made available to you within our sites or services), we grant you a limited, non-transferable, non-exclusive, and revocable permission to access and use our sites and services, provided that: (a) you will not copy, distribute or modify any part of the our sites or services without our prior written authorization; (b) you will not send unsolicited or unauthorized advertisements, spam, chain letters, etc. You can set up your preferred reimbursement method by logging into the Figo Pet Cloud and selecting the claims icon. Third party cookies are set by third party sites. Follow your claim status and get paid electronically (via direct deposit). Availability of Insurance Products in Your Jurisdiction, Figo makes no representation that all insurance products and services on Figo sites or services are appropriate or available for use in your jurisdiction. 2. Figo encourages you to maintain your own backup of your Content and Images. You are also granted a limited and revocable license to print copies of the Content, but solely for your personal, non-public use. Availability of this program is subject to each state’s approval and coverage may vary by state. ​We will process your claim within 30 days of our receipt of all required information, but our goal is 7-10 business days. “Content” means all information and other materials present on the Sites, including Figo’s products and services, text, images, photos, opinions rumors, advice, charts, financial information, ratings, reviews, or similar information. If you would prefer paper documentation mailed to you or if you have any questions about accessing this information, please contact us at (844) 738-3446. For instance, we may refuse to delete information regarding financial scams or other unlawful activities. You do not need to register with us to visit our site and access certain information. Your veterinarian can also fax the records to (773) 796-4907 or email them to For Chronic Conditions and Hereditary Disorders to the extent they first show clinical sign(s) before the effective date of this policy or during the first fourteen (14) days beginning on the effective date of this policy. Pets with a pre-existing condition (or two, or even three) aren’t prohibited from enrolling in our policies; their coverage will just exclude those specific ailments. Your profile will contain your name, email address and zip code as well as certain information as to your pet(s) including name, breed, age and sex. All I paid was $50.00 and FIGO paid $4,441.00 *Amounts shown are based on actual veterinary bills and may vary depending on city and state Sample Pet Insurance Policy for DOGS (IAIC) We reserve the right to select among the Content and Images for the most appropriate material to be used, subject to our sole discretion and judgment. Figo Pet Insurance has modified the script to provide clear choices and the latest technology for modern pet parents. The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of these Terms for all purposes. Of course! Chicago, Illinois USA 60610 ; (c) you will not transmit any content that contains software viruses, or other harmful computer code, files or programs; (d) you will not disrupt servers or networks connected to our sites or services; and (e) you comply with these Terms. 10873 This Privacy Policy outlines what types of non-public information is collected, to whom it may be disclosed, and how that information may be used.  to protect the rights or personal safety of Figo employees and third parties on or using Figo property. Accessed Sept. 10, 2020. Linking, accessing or using a third party service through our sites or services in this manner may be subject to additional terms established by the applicable third party, and it is your sole responsibility to comply with such third party terms. Figo Pet Insurance reviews your application based on your pet’s age and breed, but the amount of coverage and monthly premiums won’t be affected by whether or not your pet is neutered/spayed. except for ongoing medical conditions that were diagnosed after the effective date of the first policy period where continuous coverage with a pet insurance policy administered by Figo Pet Insurance, LLC, was maintained thereafter; 7. Credit Card Information, Debit Card Information, and other Personal Data required to process a credit transaction is not used for any other purpose by Figo and will not be kept longer than necessary for providing the services. How does Figo determine whether my pet has a pre-existing condition? WE DO NOT ENDORSE AND ARE NOT RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE OR STATEMENT MADE THROUGH OUR SITES OR SERVICES BY ANY PARTY OTHER THAN US. What is pet insurance? However, you will need to create an account in order to access certain password-protected areas of our site and some of our sites or services (“your Account”). and my reimbursement was at . You must affirm that you have read, understand, and accept the terms of this Privacy Policy. European Union General Data Protection Regulation 2016/679 This means that out of the original $1,000, we will reimburse you a total amount of $850. Chicago, Illinois USA 60610 Figo does not cover exam fees for routine care, as these are considered preventive or maintenance. These necessary increases provide you the opportunity to offer your pet the best medical treatment options available. In general, your premium is based on your pet's age, breed and where your pet lives. Design your pet’s plan in less than 60 seconds. The purchase of certain products and services offered on Figo sites or services may provide for the automatic renewal of such product or service upon expiration.   You are prohibited from using any Marks for any purpose including use on other materials, in presentations, as domain names, or as metatags, without our written permission.Â, Except as expressly provided above, no Images or Content or any portion of Figo sites or services, Content or any copyright, trademark, trade name, service mark or any other proprietary information of Figo (collectively, the “Intellectual Property”) displayed on Figo sites or services or on any of the Content may be reproduced, altered, removed, transmitted, published or distributed, whether electronically, mechanically, by photocopy, recording or otherwise, without the prior written permission of Figo. We may cover conditions that are considered “curable.” To find out how a condition may be deemed curable, contact Customer Experience. Note: Waiting periods and pre-existing conditions start over apply to a new application. To request a copy of the information disclosure provided by us pursuant to Section 1798.83 of the California Civil Code, please contact You agree that Figo is not responsible or liable for the conduct of any user. Please contact Customer Experience for details on your state’s enrollment fees. processed lawfully, fairly and in a transparent manner, collected for specified, explicit and legitimate purposes and not further processed in a manner that is incompatible with those purposes, adequate, relevant and limited to what is necessary in relation to the purposes for which it is processed, accurate and, where necessary, kept up to date, kept in a form which permits identification of Data Subjects for no longer than is necessary for the purposes for which the personal data are processed, processed in a manner that ensures appropriate security of the personal data, including protection against unauthorized or unlawful processing and against accidental loss, destruction or damage, using appropriate technical or organizational measures, to request the correction or update of any Personal Data that is incorrect or incomplete, to request the erasure of your Personal Data (the right to be forgotten), to object to the processing of your Personal Data, not to be subject to a decision based on automated decision-making, including  profiling, to withdraw consent to the processing of your Personal Data, to register a complaint with a supervisory authority (if you are located in the EU). Her diarrhea may be considered a pre-existing condition because it’s a clinical symptom of Giardia, an ailment she’d been suffering from before her policy went into effect. Email: Because of his policy, we have been able to seek treatment from some of the best vets out there--including internal medicine specialists and a pet nutritionist. Some of our sites and services is supported by advertising revenue and may display advertisements and promotions, and you hereby agree that Figo may place such advertising and promotions on the sites and services or on, about, or in conjunction with your Content and Images. Waiting periods vary by state. You hereby represent and warrant that the information you provide to us is truthful, accurate and current. 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 (including pre-existing conditions), and terms of the policy documentation issued by the insurer. Figo will not be liable to you for any modification, suspension, or discontinuation of our sites or services, or the loss of any Content or Images. Average Pet Insurance Costs. Advanced pet medical care often costs thousands of dollars. Figo reserves the right to amend or alter these Terms without advance notice by posting revised Terms. We may also disclose Personal Data under the following circumstances: In the event of a merger, consolidation, or sale or transfer of all or substantially all of the assets of Figo or its Affiliates, Personal Data from our customers and stored in our customer database will be transferred to the purchasing or new entity. Figo Pet Insurance is one of the companies that should be on your list if you have a dog or cat.