--- title: Pet Insurance in Michigan | Figo Pet Coverage | Finlan description: Protect your dog or cat with Figo pet insurance through Finlan. Learn what it covers, exclusions, claim examples, cost factors and FAQs. --- [Go Back Up](https://www.finlan.com/personal-coverages-pet#top) [Skip to Content](https://www.finlan.com/personal-coverages-pet#body) **Get a Quote  | ** Request Service  |  Phone: (734) 453-6000      [GET A QUOTE](https://www.finlan.com/quote?hsLang=en)          **[REQUEST SERVICE](https://www.finlan.com/request-service?hsLang=en)**        [PHONE: (734) 453-6000](tel:734-453-6000)       [![Finlan 100 Years Logo](https://www.finlan.com/hs-fs/hubfs/finlan_110_year_anniversary_logo.png?width=350&height=120&name=finlan_110_year_anniversary_logo.png "Finlan 100 Years Logo")](https://www.finlan.com?hsLang=en) Toggle Menu - COVERAGES Toggle children for COVERAGES Main Menu (Press to Return) > COVERAGES - [Personal](https://www.finlan.com/personal-insurance) Toggle children for Personal COVERAGES (Press to Return) > Personal - [Get a Quote](https://www.finlan.com/personal-quote) - [Home](https://www.finlan.com/personal-coverages-home) - [Auto](https://www.finlan.com/personal-coverages-auto) - [Health](https://www.finlan.com/personal-coverages-health) - [Umbrella](https://www.finlan.com/personal-coverages-umbrella) - [Flood](https://www.finlan.com/personal-coverages-flood) - [Watercraft](https://www.finlan.com/personal-coverages-watercraft) - [Pet](https://www.finlan.com/personal-coverages-pet) - [Scheduled Property](https://www.finlan.com/personal-coverages-scheduled-property) - [Travel](https://bcbsglobalsolutions.com/individuals-and-families/international-medical-insurance/?header=y&link_id=151650&personalized=y) - [Commercial](https://www.finlan.com/commercial-insurance) Toggle children for Commercial COVERAGES (Press to Return) > Commercial - [Get a Quote](https://www.finlan.com/commercial-quote) - [Essential Coverage](https://www.finlan.com/commercial-coverages-standard-coverage) - [Property](https://www.finlan.com/commercial-coverages-property) - [Product](https://www.finlan.com/commercial-coverages-product) - [Auto](https://www.finlan.com/commercial-coverages-auto) - [Health](https://www.finlan.com/commercial-coverages-health) - [Umbrella](https://www.finlan.com/commercial-coverages-umbrella) - [Specialty Coverage](https://www.finlan.com/commercial-coverages-specialty-coverage) - [Life](https://www.finlan.com/life-insurance) Toggle children for Life COVERAGES (Press to Return) > Life - [Get a Quote](https://www.finlan.com/life-quote) - [Term Life](https://www.finlan.com/life-coverages-term-life) - [Whole Life](https://www.finlan.com/life-coverages-whole-life) - [Universal Life](https://www.finlan.com/life-coverages-universal-life) - [Annuities](https://www.finlan.com/life-coverages-annuities) - [FAQs](https://www.finlan.com/faqs) - [STAFF](https://www.finlan.com/staff) - WHY FINLAN Toggle children for WHY FINLAN Main Menu (Press to Return) > WHY FINLAN - [About Finlan](https://www.finlan.com/about-finlan-insurance) - [History](https://www.finlan.com/history) - [Employment Opportunities](https://www.finlan.com/employment-opportunities) - [Blog](https://www.finlan.com/blog) - [Refer a Friend](https://www.finlan.com/refer-a-friend) - [CONTACT US](https://www.finlan.com/contact-us) - [OUR PARTNERS](https://www.finlan.com/our-partners) #### ![home_auto_icon](https://www.finlan.com/hubfs/home_auto_icon.svg)   Personal Coverages | Pet ![pet_insurance](https://www.finlan.com/hubfs/pet_insurance_01.png "pet_insurance") ***Get Your Personalized Quote Today!** Use Code FINLAN & SON IN to save an additional 5% off.* [Get Started](https://figopetinsurance.com/get-started) # **Pet Insurance in Michigan:** **Figo Coverage for Dogs, Cats & Family Peace of Mind**  Pets are family. When an accident, illness, or emergency happens, pet insurance can help you focus on getting care—not worrying about the vet bill. Finlan offers Figo Pet Insurance, with customizable plan options and app-based tools to help manage your pet’s care and expenses. ## Quick Take ## **Who Needs Pet Insurance?**  Pet insurance may be a good fit for: ![new_puppy_kitten](https://www.finlan.com/hubfs/new_puppy_kitten.svg) New puppy or kitten owners ![owners_of_active_pets](https://www.finlan.com/hubfs/owners_of_active_pets.svg) Owners of active pets prone to accidents ![owners_hereditary_congenital_risks](https://www.finlan.com/hubfs/owners_hereditary_congenital_risks.svg) Owners of breeds with known hereditary or congenital risks ![predictable_vet_expenses](https://www.finlan.com/hubfs/predictable_vet_expenses.svg) Families who want more predictability around vet expenses ![owners_specialty_care](https://www.finlan.com/hubfs/owners_specialty_care.svg) Pet owners who want access to specialty care, diagnostics, or advanced treatment options ![financial pressure](https://www.finlan.com/hubfs/breeds_with_risks.svg) Anyone who would rather plan ahead than make care decisions under financial pressure #### You deserve coverage that fits your life & what you’re working to protect. Use Code FINLAN & SON IN to save an additional 5% off. [Get a Quote](https://figopetinsurance.com/get-started) ## **What It Typically Helps Cover**   Figo plans are designed to provide broad protection, with coverage that can include:   | **Emergency care & hospitalization** | For sudden illnesses or injuries that require urgent treatment. | | --- | --- | | **Surgery** | Support for both planned and unexpected procedures, depending on the plan and eligibility. | | **Hereditary & congenital conditions** | Coverage may include certain health issues your pet is born with or predisposed to, subject to policy terms. | | **Prescription medications** | Coverage for medicines prescribed by your vet for covered conditions. | | **Cancer treatments** | May include chemotherapy and related care for covered cancer treatment. | | **Specialty care** | Can help with advanced diagnostics and specialist veterinarian care. | | **Chronic conditions** | Ongoing care for long-term health conditions may be covered, depending on plan terms. | | **Diagnostics** | X-rays, ultrasounds, blood work, and other tests may be included when tied to covered conditions. | | **Ligament, knee & hip conditions** | May include ACL-type injuries, knee issues, and hip dysplasia, subject to plan terms and waiting periods. | | **Rehabilitation, prosthetics & physical therapy** | May help pets recover mobility after injury, surgery, or certain conditions. | | **Holistic & alternative therapies** | Can include options such as acupuncture or chiropractic care when eligible. | | **Dental emergencies** | May help with covered tooth fractures, infections, or urgent dental-related issues. | | **Behavioral therapy** | Can support care for issues like anxiety or aggression, depending on plan terms. | | **Boarding fees** | May help if you’re hospitalized and unable to care for your pet. | | **Loss due to theft or straying** | May provide financial support if your pet is lost or stolen, depending on plan terms. | | **End-of-life care** | May include euthanasia costs under eligible circumstances. |   ![figo_pet_insurance_features](https://www.finlan.com/hs-fs/hubfs/figo_pet_insurance_features.png?width=500&height=462&name=figo_pet_insurance_features.png "figo_pet_insurance_features") ## **Figo Pet Insurance Features ** Figo is designed to be flexible and easy to manage. Depending on the plan, Figo may include: Because plan details can change, we’ll help you review the current options directly before you enroll.   #### The right coverage helps protect you from everyday risks at home, on the road & beyond. Use Code FINLAN & SON IN to save an additional 5% off. [Get a Quote](https://figopetinsurance.com/get-started) ## **What It May Not Cover** Pet insurance is helpful, but it’s important to understand the limits. Depending on the plan, it may not cover: The NAIC notes that pet insurance policies may differ in areas like wellness programs, pre-existing conditions, and consumer disclosures, so comparing details matters. ![pet_what_it_may_not_cover](https://www.finlan.com/hubfs/pet_what_it_may_not_cover.png "pet_what_it_may_not_cover") ## **Real-World Claim Scenarios**  ![emergency_surgery](https://www.finlan.com/hubfs/emergency_surgery.svg) ### 1. Emergency surgery after an accident Your dog swallows something dangerous and needs emergency surgery. Pet insurance may help reimburse eligible costs, depending on plan terms.   ![cancer_treatment](https://www.finlan.com/hubfs/cancer_treatment.svg) ### 2. Cancer diagnosis and treatment Your cat is diagnosed with cancer and needs testing, medication, and treatment. Coverage may help with eligible treatment costs.   ![acl_knee_injury](https://www.finlan.com/hubfs/acl_knee_injury.svg) ### 3. ACL or knee injury A high-energy pet injures a knee ligament. Coverage may help with diagnostics, surgery, rehabilitation, or therapy if the condition is eligible.   ## **What Impacts Cost** ## **What We’ll Ask You For ** #### A few details can help us match you with coverage that fits your needs, lifestyle & budget. Use Code FINLAN & SON IN to save an additional 5% off. [Get a Quote](https://figopetinsurance.com/get-started) ##  **FAQs**  What is pet insurance? Pet insurance helps reimburse eligible veterinary expenses for covered accidents, illnesses, and treatments depending on the plan.  Does pet insurance cover routine wellness visits? Some plans may offer wellness options, but routine care is not always included in accident/illness coverage. We’ll help you compare the options. Are pre-existing conditions covered? Pet insurance commonly excludes pre-existing conditions, though rules vary by carrier and condition. It’s important to review the policy details before enrolling. Does Figo cover emergency care? Figo plans can include emergency care and hospitalization for eligible accidents or illnesses, depending on your plan.  Can pet insurance cover surgery? Yes, surgery for covered accidents or illnesses may be eligible, subject to the plan’s terms, deductible, reimbursement level, and waiting periods.  Does pet insurance cover cancer treatment? Many accident/illness plans can include eligible cancer treatment, including related diagnostics and medications, depending on plan terms.  Does pet insurance cover hereditary conditions? Some plans may include hereditary or congenital conditions if they are not pre-existing and meet policy requirements.  How do claims work? With many pet insurance plans, you pay the vet, submit the bill, and receive reimbursement for eligible expenses based on the plan terms.  Should I get pet insurance when my pet is young? Starting earlier can help reduce the chance that future conditions are considered pre-existing. It also gives you protection before unexpected accidents or illnesses happen.  Can I insure more than one pet? Often yes. We can help you review options for multiple pets.  ## **Related Coverages** ## Talk to an Agent If you want help protecting your pet from unexpected vet costs, we’ll help you review Figo options and choose a plan that makes sense for your family.  [Talk to an Agent](https://www.finlan.com/staff?hsLang=en) ![pets_illustration](https://www.finlan.com/hs-fs/hubfs/pets_illustration.png?width=2000&height=1395&name=pets_illustration.png "pets_illustration") [![finlan_110_year_anniversary_logo_white-1](https://www.finlan.com/hs-fs/hubfs/finlan_110_year_anniversary_logo_white-1.png?width=2676&height=463&name=finlan_110_year_anniversary_logo_white-1.png "finlan_110_year_anniversary_logo_white-1")](https://www.finlan.com?hsLang=en) 47784 Halyard Dr., Plymouth, MI 48170 [734.453.6000](tel:7344536000) | [800.305.6060](tel:8003056060) [Get a Quote](https://www.finlan.com/quote?hsLang=en) [Personal Insurance](https://www.finlan.com/personal-insurance?hsLang=en) [Commercial Insurance](https://www.finlan.com/commercial-insurance?hsLang=en) [Life Insurance](https://www.finlan.com/life-insurance?hsLang=en) [Staff](https://www.finlan.com/staff?hsLang=en) [FAQs](https://www.finlan.com/faqs?hsLang=en) [About Finlan Insurance](https://www.finlan.com/about-finlan-insurance?hsLang=en) [Careers](https://www.finlan.com/employment-opportunities?hsLang=en) [Contact Us](https://www.finlan.com/contact-us?hsLang=en) [Our Partners](https://www.finlan.com/our-partners?hsLang=en) [Refer a Friend](https://www.finlan.com/refer-a-friend?hsLang=en) **GET A QUOTE & BUY ONLINE** **TRAVEL INSURANCE** ![geoblue_logo_v2](https://www.finlan.com/hubfs/geoblue_logo_v2.svg "geoblue_logo_v2") [Quote & Buy](https://bcbsglobalsolutions.com/individuals-and-families/international-medical-insurance/?header=y&link_id=151650&personalized=y) **DENTAL INSURANCE** ![delta_dental_logo_v2](https://www.finlan.com/hubfs/delta_dental_logo_v2.svg "delta_dental_logo_v2") [Quote & Buy](https://www.mysmilecoverage.com/finlan/) [![ignite_logo_footer](https://www.finlan.com/hubfs/ignite_logo_footer.svg "ignite_logo_footer")](https://www.ignitexds.com/) Copyright © 2025 Finlan Insurance All Rights Reserved [Terms and Conditions](https://www.finlan.com/finlan-terms-conditions?hsLang=en) | [Privacy Policy](https://www.finlan.com/finlan-privacy-policy?hsLang=en) ```json { "@context" : "https://schema.org", "@id" : "https://www.finlan.com/#agency", "@type" : "InsuranceAgency", "address" : { "@type" : "PostalAddress", "addressCountry" : "US", "addressLocality" : "Plymouth", "addressRegion" : "MI", "postalCode" : "48170", "streetAddress" : "47784 Halyard Dr." }, "aggregateRating" : { "@type" : "AggregateRating", "bestRating" : "5", "ratingValue" : "4.92", "reviewCount" : "476", "worstRating" : "1" }, "alternateName" : "Finlan Insurance", "areaServed" : [ { "@type" : "AdministrativeArea", "name" : "Michigan" }, { "@type" : "City", "name" : "Plymouth" }, { "@type" : "City", "name" : "Canton" }, { "@type" : "City", "name" : "Northville" }, { "@type" : "City", "name" : "Livonia" } ], "description" : "C.L. 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