The results

“I highly recommend it. It is affordable and reliable.”

$5,000
Annual Coverage
$34
.76
/mo
  • Covers accidents, illness & optional wellness
  • No networks – use any vet/emergency pet hospital
  • Bonus! $25 Amazon gift card gift card when you sign-up*
  • Cancel any time with zero fees
  • 24/7 pet telehealth included
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Accident and illness insurance for dogs and cats helps cover those unexpected vet visits—whether it’s a surprise injury at the dog park, dental disease, or treatment for everything from ear infections to cancer.

It's a smart way to stay prepared and make sure our pets get the care they need, without the stress of big vet bills getting in the way. After all, they’re family—and they deserve the best.

Spot Pet Insurance covers all the below for Liam

Accidents

Provides coverage for X-rays, MRIs, stitches, anesthesia, surgeries and medication for accidents, including:

Animal bites
Broken bones
Heatstroke
Poisoning
Swallowed objects
Vehicle accidents
Claim Example

Liam gets bitten by another dog at the park & needs emergency surgery.

Total Vet Bill
$2,310
Spot Pays*
$1,989
Emergency vet exam fee
$145
IV catheter & fluids
$160
Pain management injection
$95
Bloodwork
$185
Sedation/Anesthesia
$230
Emergency surgery
$910
Medication
$85
Overnight hospitalization
$230
Post-op radiographs
$170
E-Collar
$30
Oral pain medication
$70
Total Vet Bill
$2,310
Spot Pays*
$1,989
You Pay*
$321

*Assuming you choose a plan with a 10% copay and $100 deductible.

Illnesses

Provides coverage for vet exam fees, diagnostics e.g. X-rays and MRIs, surgeries, hospitalization and medication when Liam has a new illness once his plan begins. Illnesses covered include:

Allergies
Alternative therapies such as acupuncture and hydrotherapy
Behavioral conditions such as anxiety and depression
Cancer including hermangiosarcoma, lymphoma, mast cell tumors, melanoma and osteosarcoma
Chronic conditions such as arthritis, allergies, diabetes and IBD 
Congenital conditions including congenital heart disease, liver disease and nervous system issues
Dental accidents and illness
Digestive issues such as constipation, diarrhea and vomiting
Ear, skin, stomach and eye infections
Elbow dysplasia
Hereditary conditions such as heart disease and cherry eye
Hip dysplasia
Orthopedic conditions
Prescription food
Prescription medication
Swallowed objects such as balls, bones and toys
UTIs
Claim Example

Liam ruptures his knee joint and needs surgery.

Total Vet Bill
$8,890
Spot pays
$7,911
Vet exam fee
$130
X-rays
$620
Pre-surgical bloodwork
$220
IV catheter and fluids
$160
Sedation/anesthesia
$230
TPLO (Tibial Plateau Leveling Osteotomy) surgery
$6,700
Post-op X-rays
$550
Medication
$340
E-collar
$30
Follow up visits x 2
$260
Total Vet Bill
$8,890
Spot Pays*
$7,911
You Pay*
$979

*Assuming you choose a plan with a 10% copay and $100 deductible.

Optional Routine Wellness

For an additional cost, Spot offers routine wellness plans that can help reimburse for routine services, including:

Annual wellness exam
Dental cleaning
Flea, tick & heartworm meds
Routine blood test
Spay/neuter surgery
Vaccinations

These add-ons have no waiting periods and can be added to any plan

Bonus!

Spot Pet Insurance also offers a 24/7 vet telehealth line, which is ideal if your vet is closed, you’re not sure if Liam needs to go to the vet, or if you need any other advice or guidance.

“Easy to claim online and really quick reimbursement”

$5,000
Annual Coverage
$42
.73
/mo
  • Covers accidents, illness & optional wellness
  • Also covers vet exam fees, surgery, rehab & more
  • Bonus! $25 visa card gift card when you sign-up*
  • 10% multi-pet discount, 5% military discount
  • Over 500,000 happy pets insured
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Embrace

Pet insurance lets you focus on getting your pet the best care — not worrying about how to pay for it.

From broken bones to chronic conditions like diabetes or kidney disease, treatment costs can run into the thousands. Insurance gives you peace of mind knowing you’re financially prepared. It can also help cover routine care if you choose a plan with wellness add-ons.

Embrace Pet Insurance covers all the below for Liam

Accidents

Provides coverage for diagnostics like MRIs and X-rays, plus exams, surgeries, hospitalization and prescription meds for accidents, including:

Animal bites
Broken bones
Heatstroke
Poisoning
Swallowed objects
Vehicle accidents
Claim Example

Liam needs emergency treatment after ingesting rat poison.

Total Vet Bill
$4,650
Embrace Pays
$4,085
Emergency vet exam fee
$150
Blood tests
$200
Toxicology consultation
$200
Vitamin K1 therapy
$300
IV fluids & hospitalization
$1,500
Plasma transfusions
$1,000
Oxygen therapy
$500
Seizure control meds
$300
Follow-up vet checks
$500
Total Vet Bill
$4,650
Embrace Pays
$4,085
You Pay*
$565

*Assuming you choose a plan with a 10% copay and $100 deductible.

Illnesses

Provides coverage for vet exam fees, diagnostics e.g. X-rays and MRIs, surgeries, hospitalization and medication when Liam has a new illness once his plan begins. Illnesses covered include:

Allergies
Alternative therapies such as acupuncture and hydrotherapy
Behavioral conditions such as anxiety and depression
Cancer including hemangiosarcoma, lymphoma, mast cell tumors, melanoma and osteosarcoma
Chronic conditions such as arthritis, allergies, diabetes and IBD
Congenital conditions including congenital heart disease, liver disease and nervous system issues
Dental accidents and illness
Digestive issues such as constipation, diarrhea and vomiting
Ear, skin, stomach and eye infections
Elbow dysplasia
Hereditary conditions such as heart disease and cherry eye
Hip dysplasia
Orthopedic conditions
Prescription medication
Swallowed objects such as balls, bones and toys
UTIs
Claim Example

Liam is diagnosed with IVDD following sudden hind limb paralysis.

Total Vet Bill
$5,890
Embrace Pays
$5,201
Initial examination & consultation
$200
Parvo test
$80
Bloodwork
$460
Hospitalization (around 5 days typically required)
$1,500
IV fluids (daily during hospitalization)
$3,000
Medication (anti-nausea & pain relief)
$250
Feeding support (syringe or feeding tube)
$150
Follow-up care (including vet check & meds)
$250
Total Vet Bill
$5,890
Embrace Pays
$5,201
You Pay*
$689

*Assuming you choose a plan with a 10% copay and $100 deductible.

Optional Routine Wellness

For an additional fee, Embrace offers its customers Pet Wellness Plans which help cover the cost of routine services for Liam including:

Routine examinations
Gland expression
Cremation
Blood & fecal tests
Alternative treatments, including nutritional supplements and prescription diet food
Flea, tick & heartworm prevention
Grooming, medicated shampoos, toenail trimming
Dental cleaning
And as if this wasn't enough!

Embrace Pet Insurance also offers 24/7 telehealth support for pet parents, which allows you to get advice about Liam whenever you need it!

“I wish submitting a claim for my personal insurance was as easy as this”

$5,000
Annual Coverage
$56
.98
/mo
  • Pays vet bills UPFRONT while you're at the vet
  • You don't need to cover vet bills yourself
  • Bonus! $25 gift card when you sign-up*
  • No credit checks needed
  • Accepted at ANY licensed vet in the USA
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Pawprotect

Pet insurance helps cover unexpected vet bills for everything from broken bones and poisoning to swallowed objects and cancer, but with many insurers you have to pay the bill upfront and then wait for it to be reimbursed. For a lot of pet parents, finding the money to do this is an issue. 

That’s where Paw Protect is a life-saver, because they can pay vet bills upfront thanks to their clever InstantPay solution. Before you pay the bill at the vet, simply call Paw Protect and they’ll send you their share of the claim straight to your bank account in seconds. 

Paw Protect Pet Insurance covers all the below for Liam

Accidents

Provides coverage for diagnostics like MRIs and X-rays, plus exams, surgeries, hospitalization and prescription meds for accidents, including:

Animal bites
Broken bones
Heatstroke
Poisoning
Swallowed objects
Vehicle accidents
Claim Example

Liam gets heatstroke and needs emergency surgery.

Total Vet Bill
$4,060
Paw Protect Pays
$3,564
Emergency vet exam fee
$230
IV fluids and hospitalization (typically 2 days)
$1,100
Bloodwork & lab tests (CBC, chem panel)
$420
Oxygen therapy 
$330
Urinalysis
$90
Medications (anti-inflammatories)
$100
Ongoing ICU care x 3 days
$1,350
X-rays
$440
Total Vet Bill
$4,060
Paw Protect Pays
$3,564
You Pay*
$496

*Assuming you choose a plan with a 10% copay and $100 deductible.

Illnesses

Provides coverage for vet exam fees, diagnostics e.g. X-rays and MRIs, surgeries, hospitalization and medication when Liam has a new illness once his plan begins. Illnesses covered include:

Allergies
Alternative therapies such as acupuncture and hydrotherapy
Behavioral conditions such as anxiety and depression
Cancer including hemangiosarcoma, lymphoma, mast cell tumors, melanoma and osteosarcoma
Chronic conditions such as arthritis, allergies, diabetes and IBD 
Congenital conditions including congenital heart disease, liver disease and nervous system issues
Dental accidents and illness
Digestive issues such as constipation, diarrhea and vomiting
Ear, skin, stomach and eye infections
Elbow dysplasia
Hereditary conditions such as heart disease and cherry eye
Hip dysplasia
Orthopedic conditions
Prescription medication
Swallowed objects such as balls, bones and toys
UTIs
Claim Example

Liam is diagnosed with liver disease and needs a specialized diet and medication.

Total Vet Bill
$7,810
Paw Protect Pays
$6,939
Initial examination & consultation
$240
Blood tests (live enzymes, bile acids etc)
$460
Urinalysis
$100
Abdominal ultrasound
$430
Liver biopsy
$710
Surgery for tumor removal
$3,250
Hospitalization for acute cases (typically 3-days)
$2,400
Painkillers
$220
Total Vet Bill
$7,810
Paw Protect Pays
$6,939
You Pay*
$871

*Assuming you choose a plan with a 10% copay and $100 deductible.

Optional Routine Wellness

Paw Protect offers a Wellness plan to cover routine services your pet will need including:

Vaccines
Dental cleaning
Flea, tick & heartworm meds
Wellness exams
Heartworm prevention
Spay/neutering

These add-ons have no waiting periods.

“Consistently ranks #1 for cheapest monthly premiums”

$5,000
Annual Coverage
$97
.51
/mo
  • Select from $5,000 - Unlimited annual coverage
  • Covers accidents, illness & optional wellness
  • Vet exam fees covered as standard
  • Includes free 24/7 pet helpline
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Petsbest

Getting pet insurance can be a smart and compassionate decision, especially when accidents, illnesses, and chronic conditions can lead to thousands of dollars in veterinary expenses.

For many pet parents, the emotional and financial relief of being able to provide the best care in a crisis is well worth the investment.

Pets Best Insurance covers all the below for Liam

Accidents

Provides coverage for diagnostics like MRIs and X-rays, plus exams, surgeries, hospitalization and prescription meds for accidents, including:

Animal bites
Broken bones
Heatstroke
Poisoning
Swallowed objects
Vehicle accidents
Claim Example

Liam gets hit by a car and needs emergency surgery.

Total Vet Bill
$5,630
Pets Best Pays
$4,967
Emergency vet exam fee
$140
X-rays (chest, pelvis, limbs)
$240
IV Fluids & Hospitalization (2 days)
$875
Pain Medications
$120
Blood Work (CBC, chemistry)
$215
Emergency surgery
$3,250
Anesthesia & Monitoring
$340
Post-op Care & Bandaging
$180
Follow-up Visit
$110
Medications for Recovery
$160
Total Vet Bill
$5,630
Pets Best Pays
$4,967
You Pay*
$663

*Assuming you choose a plan with a 10% copay and $100 deductible.

Illnesses

Provides coverage for vet exam fees, diagnostics e.g. X-rays and MRIs, surgeries, hospitalization and medication when Liam has a new illness once his plan begins. Illnesses covered include:

Allergies
Alternative therapies such as acupuncture and hydrotherapy
Behavioral conditions such as anxiety and depression
Cancer including hermangiosarcoma, lymphoma, mast cell tumors, melanoma and osteosarcoma
Chronic conditions such as arthritis, allergies, diabetes and IBD 
Congenital conditions including congenital heart disease, liver disease and nervous system issues
Dental accidents and illness
Digestive issues such as constipation, diarrhea and vomiting
Ear, skin, stomach and eye infections
Elbow dysplasia
Hereditary conditions such as heart disease and cherry eye
Hip dysplasia
Orthopedic conditions
Prescription medication
Swallowed objects such as balls, bones and toys
UTIs
Claim Example

Liam tears his ACL and needs surgery.

Total Vet Bill
$7,325
Pets Best Pays
$6,492.50
Initial Vet Exam & Diagnosis
$160
X-rays or Imaging (pre-surgical)
$310
Blood Work (CBC/Chem panel)
$280
Sedation & Pain Management (pre-op)
$175
Surgery (TPLO or Lateral Suture Technique)
$4,775
Anesthesia & Monitoring
$420
Post-op Medications (painkillers, antibiotics)
$220
Follow-up Visit (checkup, suture removal)
$135
Physical Rehabilitation
$850
Total Vet Bill
$7,325
Pets Best Pays
$6,492.50
You Pay*
$832.50

*Assuming you choose a plan with a 10% copay and $100 deductible.

Optional Routine Wellness

For an additional cost, Pets Best offers its customers EssentialWellness or BestWellness routine wellness plans that help to reimburse pet parents for all the routine services you know will crop up, including:

Diagnostic panels
Microchipping
Preventative medications
Wellness exams
Spay/neuter surgery
Teeth cleaning
Vaccinations

These add-ons have no waiting periods.

Bonus!

Pets Best Insurance also comes with free access to a 24/7 Pet Helpline, giving you access to veterinary experts if your vet is closed and you need advice for Liam.

“Trupanion saved my pet's life by paying my vet directly.”

Unlimited
Annual Coverage
$181
.71
/mo
  • Pays vet bills in real time at checkout
  • Extensive coverage with no caps or limits
  • No age-based annual price rises
  • Voted #1 by veterinarians
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Trupanion

Pet insurance protects you from unexpected veterinary bills, which can quickly add up during emergencies or serious illnesses. It allows you to make healthcare decisions based on your pet’s needs, not just your budget.

When Liam gets sick and needs an expensive procedure at the vet, the feeling of knowing you have an insurance plan to pay for the vast majority of the vet bill means you’re protected from feeling financially overwhelmed. In a situation that’s already highly emotionally stressful, this peace-of-mind is reassuring.

Trupanion Pet Insurance covers all the below for Liam

Accidents

Provides coverage for diagnostics like X-rays, MRIs and CT scans, plus surgeries, hospitalization and prescription meds for accidents, including:

Animal bites
Broken bones
Heatstroke
Poisoning
Swallowed objects
Vehicle accidents
Claim Example

Liam swallowed a toy and requires surgery to remove it.

Total Vet Bill
$4,750
Trupanion Pays
$4,175
X-rays
$400
Ultrasound
$300
Pre-surgical bloodwork
$100
Abdominal surgery (enterotomy or gastrostomy)
$3,000
Hospital stay (typical stay 2 days)
$800
Pain meds & antibiotics
$100
Special diet (short-term)
$50
Total Vet Bill
$4,750
Trupanion Pays
$4,175
You Pay*
$575

Trupanion offers VetDirect Pay which pays 90% of the bill upfront. *Assuming you selected a $100 deductible.

Illnesses

Provides coverage for diagnostics e.g. X-rays, MRIs and CT scans, surgeries, hospitalization and medication when Liam has a new illness once his plan begins. Illnesses covered include:

Allergies
Alternative therapies such as acupuncture and hydrotherapy
Cancer including hemangiosarcoma, lymphoma, mast cell tumors, melanoma and osteosarcoma
Chronic conditions such as arthritis, allergies, diabetes and IBD
Congenital conditions including congenital heart disease, liver disease and nervous system issues
Dental accidents and illness
Digestive issues such as constipation, diarrhea and vomiting
Ear, skin, stomach and eye infections
Elbow dysplasia
Hereditary conditions such as heart disease and cherry eye
Hip dysplasia
Orthopedic conditions
Prescription medication
Swallowed objects such as balls, bones and toys
UTIs
Claim Example

Liam is diagnosed with hermangiosarcoma (a form of cancer) and requires emergency surgery.

Total Vet Bill
$11,390
Trupanion Pays
$10,161
X-rays (limbs & chest to check for spread)
$550
Blood tests (CBC/chemistry panel)
$270
Biopsy or fine-needle aspirate (for confirmation)
$400
Advanced imaging (CT/MRI)
$1,400
Spleenectomy
$7,400
Hospitalization
$700
Pain medication and anti-nausea drugs
$125
E-Collar
$45
Follow-up bloodwork/X-rays
$500
Total Vet Bill
$11,390
Trupanion Pays
$10,161
You Pay*
$1,229

Trupanion offers VetDirect Pay which pays 90% of the bill upfront. *Assuming you selected a $100 deductible.

“Competitively priced plans with some enticing benefits”

$5,000
Annual Coverage
$41
.09
/mo
  • Covers accidents, illness & optional wellness
  • Dental disease coverage at no extra cost
  • Plans also include alternative therapies
  • Generous multi-pet discounts
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ASPCA

Pet accidents and illnesses can happen anytime, and vet bills can get expensive fast. Pet insurance helps you afford the best care for your pet without breaking the bank.

With insurance, you’re prepared for unexpected emergencies, chronic conditions, and even routine health needs — so you can focus on keeping your pet happy and healthy.

ASPCA Pet Health Insurance covers all the below for Liam

Accidents

Provides coverage for diagnostics like MRIs and X-rays, plus exams, surgeries, hospitalization and prescription meds for accidents, including:

Animal bites
Broken bones
Heatstroke
Poisoning
Swallowed objects
Vehicle accidents
Claim Example

Liam needs emergency surgery after swallowing your favorite sock.

Total Vet Bill
$4,460
ASPCA Pays
$3,924
Emergency vet exam fee
$230
Sedation
$470
Abdominal surgery
$3,250
Overnight hospital stay
$370
Medication
$140
Total Vet Bill
$4,460
ASPCA Pays
$3,924
You Pay*
$536

*Assuming you choose a plan with a 10% copay and $100 deductible.

Illnesses

Provides coverage for vet exam fees, diagnostics e.g. X-rays and MRIs, surgeries, hospitalization and medication when Liam has a new illness once his plan begins. Illnesses covered include:

Allergies
Alternative therapies such as acupuncture and hydrotherapy
Behavioral conditions such as anxiety and depression
Cancer including hemangiosarcoma, lymphoma, mast cell tumors, melanoma and osteosarcoma
Chronic conditions such as arthritis, allergies, diabetes and IBD
Congenital conditions including congenital heart disease, liver disease and nervous system issues
Dental accidents and illness
Digestive issues such as constipation, diarrhea and vomiting
Ear, skin, stomach and eye infections
Elbow dysplasia
Hereditary conditions such as heart disease and cherry eye
Hip dysplasia
Orthopedic conditions
Prescription medication
Swallowed objects such as balls, bones and toys
UTIs
Claim Example

Liam is diagnosed with arthritis and needs ongoing support.

Total Vet Bill
$5,460
ASPCA Pays
$4,824
Vet exam fee
$140
X-rays
$560
Pain medication
$80
Intramuscular injections (every 2 weeks)
$1,040
Hydrotherapy and Acupuncture (weekly)
$3,640
Total Vet Bill
$5,460
ASPCA Pays
$4,824
You Pay*
$636

*Assuming you choose a plan with a 10% copay and $100 deductible.

Optional Routine Wellness

ASPCA Pet Health Insurance offers Preventive Care Coverage which gives pet parents cash back for routine services such as:

Vaccines
Flea and tick medication
Heartworm prevention
Dental cleans
Wellness exams
Spay/neutering

“Competitively priced plans with some enticing benefits”

$5,000
Annual Coverage
$47
.91
/mo
  • Covers all major & minor accidents & illnesses
  • Very competitively priced for most pets
  • Best dental coverage included for no extra fee
  • Now includes an optional wellness plan
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Fetch

Pet insurance is important because vet bills can be expensive, especially in emergencies or if your pet develops a long-term condition. It gives you the freedom to choose the best care for your pet without worrying as much about the cost.

With insurance, you're more likely to get your pet treated early, which can lead to better outcomes. Many policies also help with routine treatments such as vaccinations, dental care, and flea treatments. Overall, it’s a smart way to protect both your pet’s health and your wallet.

Fetch Pet Insurance covers all the below for Liam

Accidents

Provides coverage for diagnostics like MRIs and X-rays, plus exams, surgeries, hospitalization and prescription meds for accidents, including:

Animal bites
Broken bones
Heatstroke
Poisoning
Swallowed objects
Vehicle accidents
Claim Example

Liam has broken their hip after falling down the stairs and needs surgery.

Total Vet Bill
$11,980
Fetch Pays
$10,512
Emergency vet exam fee
$190
X-rays
$450
Blood tests
$210
Hip fracture surgery
$5,400
Anesthesia & monitoring
$750
Implants (plates, screws & prosthetics)
$1,500
Hospital stay (typically 3 days)
$1,200
Pain meds
$80
Physical therapy
$1,400
Follow-up vet checks (2 visits)
$800
Total Vet Bill
$11,980
Fetch Pays
$10,512
You Pay*
$1,468

*Assuming you choose a plan with a 10% copay and $300 deductible.

Illnesses

Provides coverage for vet exam fees, diagnostics e.g. X-rays and MRIs, surgeries, hospitalization and medication when Liam has a new illness once his plan begins. Illnesses covered include:

Allergies
Alternative therapies such as acupuncture and hydrotherapy
Behavioral conditions such as anxiety and depression
Cancer including hemangiosarcoma, lymphoma, mast cell tumors, melanoma and osteosarcoma
Chronic conditions such as arthritis, allergies, diabetes and IBD
Congenital conditions including congenital heart disease, liver disease and nervous system issues
Dental accidents and illness
Digestive issues such as constipation, diarrhea and vomiting
Ear, skin, stomach and eye infections
Elbow dysplasia
Hereditary conditions such as heart disease and cherry eye
Hip dysplasia
Orthopedic conditions
Prescription medication
Swallowed objects such as balls, bones and toys
UTIs
Claim Example

Liam is diagnosed with IVDD following sudden hind limb paralysis.

Total Vet Bill
$9,895
Fetch Pays
$8,635.50
Initial neurologic exam
$190
Blood tests (CBC/chemistry panel)
$280
X-rays
$460
IV Catheter & fluids
$180
Anesthesia
$525
Spinal surgery
$6,100
Hospitalization (2 nights)
$780
Medication
$220
Physical rehabilitation
$840
Follow-up visits
$320
Total Vet Bill
$9,895
Fetch Pays
$8,635.50
You Pay*
$1,259.50

*Assuming you choose a plan with a 10% copay and $300 deductible.

Optional Routine Wellness

For an additional cost, Fetch offers its customers Fetch Wellness which helps reimburse pet parents for all the routine services you know will crop up during your pet’s life, including:

Annual exams
Vaccinations
Flea, tick & heartworm prevention
Dental care & cleaning
Spaying & neutering
Blood, urine & fecal tests
And there's more!

Fetch Pet Insurance also comes with free access to a 24/7 Pet Helpline, giving you access to veterinary experts if your vet is closed and you need advice for Liam.

“They paid us back so fast after submitting the claim!”

$5,000
Annual Coverage
$58
.44
/mo
  • Covers accidents & illness + hereditary conditions
  • Includes a 100% reimbursement option
  • All plans have 24/7 pet telehealth
  • No networks & no credit checks
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Figo

Vet bills can get expensive — especially when unexpected accidents or illnesses occur. Pet insurance helps you afford emergency treatments, surgeries, and even ongoing care for chronic conditions like cancer or arthritis.

With insurance, you won’t have to choose between your pet’s health and your budget. It gives you peace of mind, knowing you can focus on helping your pet get better, not stressing about the cost.

Figo Pet Insurance covers all the below for Liam

Accidents

Provides coverage for diagnostics like MRIs and X-rays, plus exams, surgeries, hospitalization and prescription meds for accidents, including:

Animal bites
Broken bones
Heatstroke
Poisoning
Swallowed objects
Vehicle accidents
Claim Example

Liam has broken their hip after falling down the stairs and needs surgery.

Total Vet Bill
$5,575
Figo Pays
$4,927.50
Emergency vet exam fee
$240
Oxygen therapy (for breathing difficulties)
$310
IV fluids (to treat shock)
$365
EKG/ECG (to check heart rhythm)
$220
Bloodwork (organ function, electrolytes)
$460
Hospitalization (typically 3 days)
$1,450
Pain management & sedation
$275
Wound care (burns to mouth, face & tongue)
$560
Antibiotics & anti-inflammatories
$245
Nutritional support (tube or IV feeding)
$670
Follow up exams
$180
Repeat X-rays or bloodwork
$410
Medication
$190
Total Vet Bill
$5,575
Figo Pays
$4,927.50
You Pay*
$647.50

*Assuming you choose a plan with a 10% copay and $100 deductible.

Illnesses

Provides coverage for diagnostics e.g. X-rays and MRIs, surgeries, hospitalization and medication when Liam has a new illness once his plan begins. Illnesses covered include:

Allergies
Alternative therapies such as acupuncture and hydrotherapy
Cancer including hemangiosarcoma, lymphoma, mast cell tumors, melanoma and osteosarcoma
Chronic conditions such as arthritis, allergies, diabetes and IBD
Congenital conditions including congenital heart disease, liver disease and nervous system issues
Dental accidents and illness
Digestive issues such as constipation, diarrhea and vomiting
Ear, skin, stomach and eye infections
Elbow dysplasia
Hereditary conditions such as heart disease and cherry eye
Hip dysplasia
Orthopedic conditions
Prescription medication
Swallowed objects such as balls, bones and toys
UTIs
Claim Example

Liam is diagnosed with Cushing's Disease.

Total Vet Bill
$4,105
Figo Pays
$3,604.50
Veterinary consultation & physical exam
$150
Initial bloodwork (CBC, chemistry panel)
$260
Urinalysis
$110
ACTH stimulation test
$270
Low-dose dexamethasone suppression test (LDDST)
$145
Abdominal ultrasound (to evaluate adrenal glands)
$600
Yearly ongoing medication
$1,650
Vet follow-up visits
$920
Total Vet Bill
$4,105
Figo Pays
$3,604.50
You Pay*
$500.50

*Assuming you choose a plan with a 10% copay and $100 deductible.

Optional Routine Wellness

Figo does offer a Wellness and Preventive Care option called Wellness Powerup which will cover you for:

Spaying/neutering
Vaccines
Routine exams
Dental health
Bonus!

As an additional extra Figo also offers pet parents free 24/7 access to a licensed veterinary professional that you can speak to during emergencies wherever they may happen.

“I highly recommend it. It is affordable and reliable.”

$10,000
Annual Coverage
$48
.44
/mo
  • Covers accidents, illness & optional wellness
  • No networks – use any vet/emergency pet hospital
  • Bonus! $25 Amazon gift card gift card when you sign-up*
  • Cancel any time with zero fees
  • 24/7 pet telehealth included

“Competitively priced plans with some enticing benefits”

$10,000
Annual Coverage
$61
.96
/mo
  • Covers all major & minor accidents & illnesses
  • Very competitively priced for most pets
  • Best dental coverage included for no extra fee
  • Now includes an optional wellness plan

“Easy to claim online and really quick reimbursement”

$10,000
Annual Coverage
$48
.30
/mo
  • Covers accidents, illness & optional wellness
  • Also covers vet exam fees, surgery, rehab & more
  • Bonus! $25 visa card gift card when you sign-up*
  • 10% multi-pet discount, 5% military discount
  • Over 500,000 happy pets insured

“I wish submitting a claim for my personal insurance was as easy as this”

$10,000
Annual Coverage
$64
.26
/mo
  • Pays vet bills UPFRONT while you're at the vet
  • You don't need to cover vet bills yourself
  • Bonus! $25 gift card when you sign-up*
  • No credit checks needed
  • Accepted at ANY licensed vet in the USA

“Consistently ranks #1 for cheapest monthly premiums”

$10,000
Annual Coverage
$108
.52
/mo
  • Select from $5,000 - Unlimited annual coverage
  • Covers accidents, illness & optional wellness
  • Vet exam fees covered as standard
  • Includes free 24/7 pet helpline

“Trupanion saved my pet's life by paying my vet directly.”

Unlimited
Annual Coverage
$105
.59
/mo
  • Pays vet bills in real time at checkout
  • Extensive coverage with no caps or limits
  • No age-based annual price rises
  • Voted #1 by veterinarians

“Competitively priced plans with some enticing benefits”

$10,000
Annual Coverage
$57
.40
/mo
  • Covers accidents, illness & optional wellness
  • Dental disease coverage at no extra cost
  • Plans also include alternative therapies
  • Generous multi-pet discounts

“I highly recommend it. It is affordable and reliable.”

Unlimited
Annual Coverage
$65
.32
/mo
  • Covers accidents, illness & optional wellness
  • No networks – use any vet/emergency pet hospital
  • Bonus! $25 Amazon gift card gift card when you sign-up*
  • Cancel any time with zero fees
  • 24/7 pet telehealth included

“Competitively priced plans with some enticing benefits”

Unlimited
Annual Coverage
$101
.83
/mo
  • Covers all major & minor accidents & illnesses
  • Very competitively priced for most pets
  • Best dental coverage included for no extra fee
  • Now includes an optional wellness plan

“Easy to claim online and really quick reimbursement”

Unlimited
Annual Coverage
$59
.83
/mo
  • Covers accidents, illness & optional wellness
  • Also covers vet exam fees, surgery, rehab & more
  • Bonus! $25 visa card gift card when you sign-up*
  • 10% multi-pet discount, 5% military discount
  • Over 500,000 happy pets insured

“I wish submitting a claim for my personal insurance was as easy as this”

Unlimited
Annual Coverage
$79
.37
/mo
  • Pays vet bills UPFRONT while you're at the vet
  • You don't need to cover vet bills yourself
  • Bonus! $25 gift card when you sign-up*
  • No credit checks needed
  • Accepted at ANY licensed vet in the USA

“Consistently ranks #1 for cheapest monthly premiums”

Unlimited
Annual Coverage
$112
.66
/mo
  • Select from $5,000 - Unlimited annual coverage
  • Covers accidents, illness & optional wellness
  • Vet exam fees covered as standard
  • Includes free 24/7 pet helpline

“They paid us back so fast after submitting the claim!”

Unlimited
Annual Coverage
$91
.53
/mo
  • Covers accidents & illness + hereditary conditions
  • Includes a 100% reimbursement option
  • All plans have 24/7 pet telehealth
  • No networks & no credit checks

The quotes above are for Liam, a 6 year, 3 month old male Domestic Mediumhair living in 10024