Figo Pet Insurance Texas Review

From Pet Insurance Wiki · last updated 14 Oct 2026 from public rate filings

Part of the Figo review · Pet insurance in Texas

Figo inTXTexasChange state
This page is a draft: we have not read Figo's Texas rate pages yet, so it has no price and only partial scores. Figures may be corrected; see the history.

Figo is administered by Figo Pet Insurance, LLC and underwritten in Texas by Independence American Insurance Company.

Coverage

Texas policy form (Independence American, file IAIC_FPI_POL_AI_TX_1025_ForIssue_021326): waiting periods of 1 day for accident injuries, 14 days for illness and 6 months for orthopedic conditions in dogs, including fractures from an accident; an Orthopedic Waiver Form after a vet exam within 30 days removes the orthopedic wait, and a separate waiver form covers the other waits. Cured conditions are covered again after 365 days; genetic, knee, orthopedic and chronic conditions never count as cured. Premiums may rise at renewal with age and veterinary cost inflation. Coverage can be raised only at renewal, with a new waiting period. The deductible drops $50 for each claim-free year and resets after a paid claim. Coverage stops after three similar repeat incidents, and a type of cancer diagnosed before the policy is never covered. Texas rates are not filed.

Scores in Texas

Without rate pages there is no lifetime cost, so Figo is not ranked in Texas. Scales with data:

A. Lifetime costno data
B. Age curveno data
C. Generosity (loss ratio)no data
D. Rate increasesno data
E. Price structureno data
F. Customer treatmentno data
Coverage (separate)no data

Price by age

Rate pages for Figo in Texas are not public or not yet read, so there is no price by age.

Rate filings

No filings recorded yet.

References

  1. 1.↑Pet Insurance Wiki, Rating methodology, version 1. methodology

History

  1. Added BBB and Trustpilot ratings checked on 13 October 2026
  2. Corrected direct vet pay: the sample policy lets the owner have a claim paid to the vet. Limited the policy terms to the generic sample policy that Figo links for Florida, added its dental, behavioural, pre-existing, deductible and installment-fee terms, and marked the 53% loss figure as countrywide
  3. First draft from the Florida IRFS and California CDI filing lists, IAIC filings 25-613 and 25-046756, and Figo's published sample policy