Figo Pet Insurance provides comprehensive coverage for pets. You can choose from three annual benefit options: Ultimate, Preferred, or Essential. You can also choose optional wellness programs to cover regular blood work and vaccinations. For a nominal monthly fee, Figo offers a "Pet Cloud" mobile app that allows you to manage your pet's health. Access a range of features via the app including a view of your pet's medical records, emergency care advice and reminders about upcoming appointments.
You will need to complete an online application in order to enroll in Figo pet coverage. This will require you to give your pet's name, breed and zip code. An upfront deductible is also an option, which can affect your premium. A vet's form can waive the deductible. In addition, Figo has a 30-day money back guarantee, which means that you have until the end of the policy's year to file a claim and receive reimbursement.
There are no limitations on the number you can file claims, but Figo does require your veterinarian to be present and that any medical records be uploaded. The insurer will then process the claim. Most claims are settled in three to five business days.
Figo can be purchased in all 50 states. Depending on the plan chosen, customers can choose a deductible of $100-$1,500. The deductible decreases by $50 for every insured pet that has not been claimed. Figo also offers a 5% discount for multiple animals. However, if your pet is under eight weeks old when you purchase a policy, it isn't covered.
Figo provides a GPS pet collar free of charge that allows you and your pet to track each other. This collar is great for pets who are constantly roaming. If your pet is stolen, Figo will cover the cost of boarding fees and third-party property damage up to $10,000 per policy.
Figo policies can cover any major illness or injury and include hospitalization, emergency care and specialized treatments. They also cover vet exams and non routine dental care. You can also purchase an extra care package that includes property damage to third parties up to $10,000 for some plans.
Figo also covers hereditary conditions. Hereditary conditions are defined by the insurer as conditions that can be passed on to a pet through their genes. Contact customer service to confirm your pet is covered. Figo doesn’t have an upper limit on age, but many insurance companies have limits for new policies.
Figo provides 24/7 live vet chat. The company also offers an electronic filing system and tracking system that makes it easy to submit claims. A list of recommended pet friendly locations can be accessed through the app.
The Figo Pet Cloud is extremely popular. You can use the app to speak with a veterinarian and select from various reimbursement rates. It also provides urgent care advice. When it comes time to make a claim, you can use the app to send a claim, and the company will pay it electronically.