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UHCU Insurance Services, LLC.

UHCU Insurance Services, LLC. is excited to announce a partnership with Figo Pet Insurance, which will give your furry family members the health care they deserve. Owning a cat or dog is both rewarding and expensive, and pet insurance can empower you to seek the best treatments available -- regardless of price.
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Figo Pet Insurance Information


Figo Pet Insurance frees you from financial stress when choosing the best available veterinary care for your pet. Figo's health insurance plans cover the unexpected illnesses and injuries of your dog or cat.

You can visit any licensed veterinary practice, emergency hospital or specialist, and Figo Pet Insurance will reimburse up to 100 percent of your actual vet bill with unlimited coverage and no limits on claim payouts. Plus with three flexible Figo Pet Insurance plans to choose from, you can customize both your reimbursement percentage and annual deductible.

Figo Pet Insurance Information

How does it work?

Figo has made it easy. After your pet's injury or illness is treated by a licensed veterinarian, simply snap a photo of the bill and upload it to your Figo Pet Cloud. You can expect to receive reimbursement in an average of seven days.

What does it cover?

With Figo's plans averaging less than $1.50 per day, you can enjoy the peace of mind in knowing your pet will always receive the care they deserve. If your pet has an illness or injury and it is not a pre-existing condition, you're covered. That includes:

  • Veterinary exam fees
  • Illness or injury
  • Prescriptions
  • Accidents
  • Emergency and hospitalization
  • Surgeries
  • Hip dysplasia
  • X-Rays, MRIs, CAT scans and ultrasounds

Pre-existing conditions, preventative care, spaying and neutering, pregnancy and cloning procedures are not covered.

What you need to know

We know pet insurance can be confusing, but it shouldn't have to be. Figo designed its plans to be straightforward and simple so you can spend less time choosing and more time with your pet. Here are a few basics to keep in mind about Figo Pet Insurance plans.

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. Figo does.

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 percent, 80 percent, 90 percent and 100 percent.

Annual Deductible

Some companies require you to pay a deductible for each new illness or injury that occurs. They call it "Per Condition." 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. Figo requires a 14-day waiting period for illnesses. But Figo knows things happen -- that's why Figo only requires a 5-day waiting period for accidents. The waiting period begins the day you buy coverage.


UHCU Insurance Services, LLC. is a Credit Union Service Organization. Business conducted with UHCU Insurance Services, LLC. is separate and distinct from any business conducted with United Heritage Credit Union, its parent Credit Union. Insurance products offered by UHCU Insurance Services, LLC. are not (i) deposits of United Heritage Credit Union, its parent Credit Union or its partner Alloy Insurance Partners, therefore are not protected by the NCUA and are not exclusive to Credit Union members and (ii) an obligation of or guaranteed by UHCU Insurance Services, LLC., its parent Credit Union or its partner and may be subject to risk. Any insurance required as a condition of an extension of credit by United Heritage Credit Union need not be purchased from UHCU Insurance Services, LLC. and may be purchased from an agent or insurance company of the member’s choice.