{"id":579,"date":"2026-04-16T14:19:56","date_gmt":"2026-04-16T18:19:56","guid":{"rendered":"https:\/\/www.nicholasinsurance.net\/?p=579"},"modified":"2026-04-16T14:19:56","modified_gmt":"2026-04-16T18:19:56","slug":"pet-insurance-does-fluffy-need-it","status":"publish","type":"post","link":"https:\/\/www.nicholasinsurance.net\/?p=579","title":{"rendered":"Pet Insurance &#8211; Does Fluffy need it?"},"content":{"rendered":"\n<p class=\"has-text-align-center has-content-heading-font-size\">You have health insurance for <em>your<\/em> accidents, illnesses, and surgeries &#8211;<\/p>\n\n\n\n<p class=\"has-text-align-center has-content-heading-font-size\"> but what about Fluffy?<\/p>\n\n\n\n<p class=\"has-content-heading-font-size\">With Figo Pet Insurance, it is SO easy to get a quote for Fluffy. In this short read, we will cover:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-upper-heading-font-size\">What Figo covers<\/li>\n\n\n\n<li class=\"has-upper-heading-font-size\">What they do <em>not <\/em>cover<\/li>\n\n\n\n<li class=\"has-upper-heading-font-size\">What pre-existing conditions mean<\/li>\n\n\n\n<li class=\"has-upper-heading-font-size\">What a waiting period is<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\" style=\"grid-template-columns:21% auto\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"301\" height=\"98\" src=\"https:\/\/www.nicholasinsurance.net\/wp-content\/uploads\/2026\/04\/image.png\" alt=\"\" class=\"wp-image-582 size-full\"\/><\/figure><div class=\"wp-block-media-text__content\">\n<p class=\"has-text-align-left has-large-font-size\">Covers both cats and dogs! <\/p>\n<\/div><\/div>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<p class=\"has-content-heading-font-size\">Figo covers:<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<p class=\"has-text-align-left has-content-heading-font-size\">Figo <strong>does not <\/strong>cover:<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<ul class=\"wp-block-list\">\n<li>Common Illnesses<\/li>\n\n\n\n<li>Accidents and Emergencies<\/li>\n\n\n\n<li>Wellness &amp; Preventative Exams<\/li>\n\n\n\n<li>Chronic Conditions<\/li>\n\n\n\n<li>Cancer<\/li>\n\n\n\n<li>Surgeries<\/li>\n\n\n\n<li>Specialist Treatments<\/li>\n\n\n\n<li>Dental Illness &amp; Injuries<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<ul class=\"wp-block-list\">\n<li>Pregnancy<\/li>\n\n\n\n<li>Breeding<\/li>\n\n\n\n<li>Clones\/Cloning<\/li>\n\n\n\n<li>Cosmetic procedures<\/li>\n\n\n\n<li>Experimental procedures<\/li>\n\n\n\n<li><em>Pre-existing Conditions<\/em>*<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"910\" height=\"303\" src=\"https:\/\/www.nicholasinsurance.net\/wp-content\/uploads\/2026\/04\/logo_Figo_primary-2.png\" alt=\"\" class=\"wp-image-586\" style=\"aspect-ratio:3.0033716369641508;width:322px;height:auto\" srcset=\"https:\/\/www.nicholasinsurance.net\/wp-content\/uploads\/2026\/04\/logo_Figo_primary-2.png 910w, https:\/\/www.nicholasinsurance.net\/wp-content\/uploads\/2026\/04\/logo_Figo_primary-2-300x100.png 300w, https:\/\/www.nicholasinsurance.net\/wp-content\/uploads\/2026\/04\/logo_Figo_primary-2-768x256.png 768w\" sizes=\"auto, (max-width: 910px) 100vw, 910px\" \/><\/figure>\n\n\n\n<p class=\"has-content-heading-font-size\">*What are pre-existing conditions?<\/p>\n\n\n\n<p>Pre-existing conditions are injuries or illnesses whose symptoms began before the policy took effect or the <em>waiting period<\/em>** ended.<\/p>\n\n\n\n<p>The insurance company will look at the last 12 months of your pet&#8217;s medical history. <\/p>\n\n\n\n<p class=\"has-montserrat-font-family\" style=\"text-transform:uppercase\"><strong>For Example<\/strong>: Poor Fluffy is diagnosed with allergies. He needs prescription allergy medication daily to control his flare-ups. the diagnosis came before getting a pet policy, therefore his allergy medication is not covered. <\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-content-heading-font-size\">**What is a waiting period?<\/p>\n\n\n\n<p>A waiting period is the time between signing up for a policy and when coverage actually begins, or when certain benefits can be claimed. Insurance companies do this as a safeguard to prevent adverse selection, misuse, and to stabilize risk. If people took out insurance <em>only <\/em>when they had an expensive claim, insurance companies would not be able to afford to pay out for everyone and premiums would be astronomically unaffordable. <\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"775\" src=\"https:\/\/www.nicholasinsurance.net\/wp-content\/uploads\/2026\/04\/Figo-1024x775.gif\" alt=\"\" class=\"wp-image-583\" style=\"aspect-ratio:1.321303961847348;width:617px;height:auto\" srcset=\"https:\/\/www.nicholasinsurance.net\/wp-content\/uploads\/2026\/04\/Figo-1024x775.gif 1024w, https:\/\/www.nicholasinsurance.net\/wp-content\/uploads\/2026\/04\/Figo-300x227.gif 300w, https:\/\/www.nicholasinsurance.net\/wp-content\/uploads\/2026\/04\/Figo-768x581.gif 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-media-text has-media-on-the-right is-stacked-on-mobile\" style=\"grid-template-columns:auto 39%\"><div class=\"wp-block-media-text__content\">\n<p class=\"has-content-heading-font-size\">Now&#8230;how do you get paid for Fluffy&#8217;s vet bills?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You will download Figo&#8217;s <a href=\"https:\/\/auth.mypetcloud.com\/auth.independencepetgroup.com\/b2c_1a_prd_jit_migration_signup_signin_dynamic\/oauth2\/v2.0\/authorize?client_id=c2df4164-7aa7-4f7d-9a9b-2314e5b2a6c2&amp;scope=https%3A%2F%2Fauth.independencepetgroup.com%2Fpet-cloud%2Fcustomer%2Fcustomer.write+openid+profile+offline_access&amp;redirect_uri=https%3A%2F%2Fwww.mypetcloud.com%2Ftoken_register&amp;client-request-id=bb312926-110f-460f-a11a-f2efb1d3aa21&amp;response_mode=fragment&amp;response_type=code&amp;x-client-SKU=msal.js.browser&amp;x-client-VER=2.38.3&amp;client_info=1&amp;code_challenge=RyfzhV0EF9Zz4Xgq95XfGYens2UVWjPYBb72ZPzB4Fc&amp;code_challenge_method=S256&amp;nonce=4977801e-62f4-464c-ab3c-85b75dce7e50&amp;state=eyJpZCI6ImRhOWI0M2M0LTBjN2UtNDRkYi1hZmU4LWNkM2ZiNGY3ZTZmNSIsIm1ldGEiOnsiaW50ZXJhY3Rpb25UeXBlIjoicmVkaXJlY3QifX0%3D&amp;ui_locales=en\">Pet Cloud<\/a> app or sign up online to create an account.<\/li>\n\n\n\n<li>You will click the &#8220;Claims&#8221; icon and answer the questions.<\/li>\n\n\n\n<li>Upload your invoice showing a $0 balance.<\/li>\n\n\n\n<li>Click submit, and you&#8217;re done!<\/li>\n<\/ul>\n\n\n\n<p>Alternatively, you may email your paid invoice to claims@figopetinsurance.com. <\/p>\n<\/div><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"350\" height=\"261\" src=\"https:\/\/www.nicholasinsurance.net\/wp-content\/uploads\/2026\/04\/banner_woman-couch-dog_small_350x261.png\" alt=\"\" class=\"wp-image-580 size-full\" srcset=\"https:\/\/www.nicholasinsurance.net\/wp-content\/uploads\/2026\/04\/banner_woman-couch-dog_small_350x261.png 350w, https:\/\/www.nicholasinsurance.net\/wp-content\/uploads\/2026\/04\/banner_woman-couch-dog_small_350x261-300x224.png 300w\" sizes=\"auto, (max-width: 350px) 100vw, 350px\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\">Please call us at 906-482-3434 to ask about coverage for Fluffy!<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You have health insurance for your accidents, illnesses, and surgeries &#8211; but what about Fluffy? With Figo Pet Insurance, it is SO easy to get a quote for Fluffy. In this short read, we will cover: Covers both cats and dogs! Figo covers: Figo does not cover: *What are pre-existing conditions? Pre-existing conditions are injuries [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-579","post","type-post","status-publish","format-standard","hentry","category-history"],"_links":{"self":[{"href":"https:\/\/www.nicholasinsurance.net\/index.php?rest_route=\/wp\/v2\/posts\/579","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.nicholasinsurance.net\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.nicholasinsurance.net\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.nicholasinsurance.net\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nicholasinsurance.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=579"}],"version-history":[{"count":6,"href":"https:\/\/www.nicholasinsurance.net\/index.php?rest_route=\/wp\/v2\/posts\/579\/revisions"}],"predecessor-version":[{"id":592,"href":"https:\/\/www.nicholasinsurance.net\/index.php?rest_route=\/wp\/v2\/posts\/579\/revisions\/592"}],"wp:attachment":[{"href":"https:\/\/www.nicholasinsurance.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=579"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nicholasinsurance.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=579"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nicholasinsurance.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=579"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}