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Home > Insurance > Does Figo Pet Insurance Cover Hip Dysplasia? 2024 Update

Does Figo Pet Insurance Cover Hip Dysplasia? 2024 Update

Vet examining dog hips

When choosing a pet insurance plan, one of the most common questions is “Does this company cover hip dysplasia?.” Hip dysplasia is one of those conditions for which it’s essential to carefully check your pet insurance policy as there are often exclusions. As for Figo, it does cover hip dysplasia, but there is a 6-month waiting period for canine orthopedic conditions. Read on to find out more.


What Is Hip Dysplasia?

Hip dysplasia is a hereditary orthopedic condition that starts in the growth phase. If a dog or cat has this condition, it means that the ball and socket in the hip don’t fit together properly and become loose. This causes the joint to deteriorate over time, which can result in pain and discomfort for your dog or cat.

Symptoms include difficulties with movement, limping, struggling to get up on furniture, bunny hopping, sitting in weird positions, struggling to stand, and lameness. Hip dysplasia is especially common in larger dog breeds like Rottweilers, Labradors, Great Danes, and Saint Bernards, though it can occur in smaller breeds, too.

If your dog is a large or giant breed, it’s a good idea to get them checked by a vet regularly to make sure their joints are in good working order.

How Much Does Hip Dysplasia Treatment Cost?

If your pet being unwell wasn’t stressful enough to deal with, the cost of treating hip dysplasia is extortionate. Femoral head ostectomy, one of the forms of treatment, can cost up to $2,500 and hip replacement surgery can cost as much as $7,000 per hip.

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Does Figo Cover Hip Dysplasia?

Yes, as long as it’s not a pre-existing condition. Pre-existing conditions are conditions your pet was displaying symptoms of or receiving treatment for before your pet insurance policy came into effect.

Figo, like most other pet insurance companies, does not cover pre-existing conditions. However, Figo may cover a curable pre-existing condition as long as your pet shows no signs or symptoms of it within 12 months of treatment.

It’s also important to bear in mind that there is a 6-month waiting period for canine orthopedic conditions (this doesn’t apply to cats). A waiting period is a set amount of time after you have signed up for an insurance policy in which you cannot make claims. Waiting periods differ depending on the condition or situation. Figo’s waiting periods are as follows:

  • Illnesses: 14 days
  • Accidents: 1 day
  • Orthopedic conditions: 6 months

However, Figo may waive the orthopedic waiting period if your pet gets an orthopedic exam within the first 30 days of the policy period and the results show that they are healthy.

As with any pet insurance plan you sign up for, we strongly recommend you read the small print and discuss your policy in full with a company advisor to make sure a condition is covered and to what extent it’s covered. Pet insurance providers are all different and their coverage and exceptions may vary.

What Else Does Figo Cover?

In addition to hip dysplasia, Figo covers the following:
  • New illnesses and accidents
  • Diagnostic tests related to accidents and illnesses
  • FDA-approved prescribed medications
  • Chronic conditions
  • Hereditary and congenital conditions
  • Knee condition (ACL included)
  • Emergency services
  • Hospitalization
  • Surgeries
  • Cancer treatments
  • Prosthetics
  • Prescription food (optional)
  • Specialist treatments
  • Imaging
  • Non-routine dental care
  • Mobility devices
  • Rehabilitation
  • Behavioral training and medication
  • Euthanasia
  • Holistic and alternative treatments

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Final Thoughts

To sum up, Figo does cover hip dysplasia but only if it isn’t a pre-existing condition. If you’re considering signing up for Figo pet insurance, we’d like to reiterate that we recommend speaking with an advisor first and checking what’s covered in full before you make your decision. This goes for any pet insurance plan you’re considering. Good luck!

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Featured Image Credit: Antonio Gravante, Shutterstock

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