Go Back Up

Get a Quote  |  Request Service  |  Phone: (734) 453-6000

     GET A QUOTE          REQUEST SERVICE        PHONE: (734) 453-6000      

home_auto_icon   Personal Coverages | Pet

pet_insurance
Get Your Personalized Quote Today!
Use Code FINLAN & SON IN to save an additional 5% off.
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

    • Best for: dog and cat owners who want help with unexpected vet costs
    • Typically helps with: accidents, illnesses, emergency care, surgery, diagnostics, prescriptions, and more depending on plan
    • Often paired with: Home, Auto, Umbrella, and Scheduled Property
    • Good to know: pet insurance policies can vary widely on waiting periods, reimbursement, deductibles, wellness options, and pre-existing condition rules.

Who Needs Pet Insurance? 

Pet insurance may be a good fit for:

new_puppy_kitten
New puppy or kitten owners
owners_of_active_pets
Owners of active pets prone to accidents
owners_hereditary_congenital_risks
Owners of breeds with known hereditary or congenital risks
predictable_vet_expenses
Families who want more predictability around vet expenses
owners_specialty_care
Pet owners who want access to specialty care, diagnostics, or advanced treatment options
financial pressure
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.

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

Figo Pet Insurance Features 

Figo is designed to be flexible and easy to manage. Depending on the plan, Figo may include:

    • Customizable plan options
    • Digital claims upload through the app
    • Reimbursement for eligible expenses
    • Pet records and appointment reminders
    • Customer support access
    • Tools to help manage your pet’s care

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.

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:

    • Pre-existing conditions
    • Routine wellness care unless added or included in a wellness option
    • Waiting-period conditions
    • Elective or cosmetic procedures
    • Breeding-related expenses
    • Certain dental care not tied to an eligible emergency or covered condition
    • Non-veterinary expenses

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

Real-World Claim Scenarios 

emergency_surgery

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

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

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

    • Pet species, breed, and age
    • ZIP code / veterinary cost environment
    • Coverage level and reimbursement percentage
    • Deductible selection
    • Annual limit selection
    • Wellness or optional add-ons
    • Pre-existing conditions and waiting periods
    • Number of pets insured

What We’ll Ask You For 

    • Pet name
    • Dog or cat
    • Breed
    • Age/date of birth
    • ZIP code
    • Current health concerns or known conditions
    • Desired level of coverage
    • Whether you want accident/illness only or wellness-style add-ons where available

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.

 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. 

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. 

pets_illustration