North Carolina & South Carolina Pet Health Insurance

Free Online Pet Insurance Quote

Give your entire family the protection they deserve.

Pet Insurance for an average cost of a $1.25 per day, Figo lets you visit any licensed veterinarian, specialist and ER in the US, Canada or Puerto Rico. Enrollment is easy and Figo’s customer care team is accessible by phone, email, text, chat and Twitter.

Huntersville Pet Insurance | Lake Norman Pet Insurance

What is Pet Insurance?

Pet insurance reimburses you for your dog or cat’s unexpected medical bills. Whether you live in the Smokey Mountains or in downtown Charlotte we’ll help you find the perfect pet insurance plan in the Carolina’s..

Dog and Cat Insurance
Charlotte Pet Insurance

How it works.

Your pet is treated at any veterinarian for sickness or injury. You submit the bill to Figo for reimbursement by simply snapping a photo of your vet bill. Then, you upload the photo via Figo’s Pet Cloud mobile app to be reimbursed for the costs in an average of 7 days. It’s that easy.

Charlotte and Lake Norman Pet Insurance

Why do you need it?

Advancements in veterinary medicine save more pets than ever, and those treatments can be really expensive. The image above details the cost of common treatments for dogs:

Free Pet Insurance Quote

Free Pet Insurance Quote

More than pet insurance.

With your North Carolina pet insurance policy, you also receive the first-ever Pet Cloud with mobile app to manage your pet’s life. Some features of the Pet Cloud include:

  • Access to your pet’s records for travel and emergency
  • Text and email reminders for pet health appointments
  • Lost pet technology using GPS and family text alerts
  • Pet-friendly business locator

Things You Need to Know

We know pet insurance can be confusing. Here are a few things to keep in mind.


Veterinary Exam Fees

This one is important. Believe it or not, some carriers won’t pay your veterinary examination fee related to a covered illness or injury. We do.


Pre-Existing Conditions

As with all pet insurance companies, Figo excludes pre-existing conditions. This means a condition that first occurred or showed clinical signs before your pet’s coverage started, including waiting periods.


Co-Pay and Reimbursement

These can be confusing. The “co-pay” is the amount you pay and the “reimbursement” is the amount Figo pays. You can choose from various reimbursements. 70%, 80, 90% and 100%


Annual Deductible

Some companies require you to pay a deductible for each new illness or injury that occurs. They call it “Per Condition,” we call it “Not Cool.” With Figo, your deductibles are for the entire year of your coverage. You meet your deductible. You’re done.


Waiting Periods

These vary widely between companies. With Figo, we require a 14-day waiting period for illnesses. But we know things happen — that’s why we only require a 5-day waiting period for accidents. The waiting period begins the day you buy coverage.


What's Covered

Here’s the deal…If your pet has an illness or injury, and it is not a pre-existing condition, you’re covered. Period.

BTW Did we tell you that we even cover the veterinary exam fees related to the illness or injury 🙂

  • Veterinary Exam Fees
  • Illness or Injury
  • Accidents
  • Emergency & Hospitalization
  • Surgeries
  • Prescriptions
  • Veterinary Specialists
  • Hereditary Conditions
  • Congenital Conditions
  • Chronic Conditions
  • Holistic & Alternative Therapies
  • Prosthetics & Orthopedics
  • X-Rays, MRIs, CAT Scans, Ultrasounds
  • Hip Dysplasia
  • Cancer Treatments
  • Knee Conditions

We offer insurance plans for dogs and cats in North and South Carolina.

Share This