Figo Pet Insurance is one of the best high rankings pet insurance companies that provides beneficial support to people of its target audience. With its headquarters based in Chicago, Illinois, Figo allows users to enjoy a pet insurance policy that easily reimburses you as much as 100% of eligible expenses. This is also done after you have met your deductible. It’s a major goal to ensure that you as a pet owner make awesome great decisions that benefit your pets based on the best care.
In addition to this, Figo offers various tiered pet insurance plans that provide coverage for the same types of conditions. Also, it offers insurance policies that can protect your pets against danger zones like illnesses and accidents. A driving factor could be your location as it determines whether your insurance plans will be affordable with coverage limits that are unlimited.
Furthermore, the Figo pet insurance ranks really high because it beats most of its competition in the reimbursement rate option. Figo is available in all 50 states and is one company you should try out if you are looking for ways to avoid extra expenses. These could be expenses that could be extra during a claim that’s beyond your deductible. If you’re looking for ways to avoid co-pays, Figo Pet Insurance is one company to try out.
Which Pets Can You Purchase A Figo Pet Insurance Coverage For?
The only pets that you can purchase Figo pet insurance for will be your Dogs and Cats. They have no covered insurance policies for any other pets. This way, they can work to get the best deals for your furry dogs and feline cats.
What Is The Waiting Period For A Figo’s Coverage?
Just any other pet insurance plan, Figo also has a waiting period for its users. This waiting period is the amount of time before your coverage begins receiving bills for vet bills. According to Figo, they have a one-day waiting period in cases of accidents. This is way shorter than most pet insurers who have 14 days waiting period for accidents.
In the cases of illnesses in pets, Figo has a 14 days waiting period. This is also way more convenient than other pet insurance industries. In addition, they have 6 months waiting period for orthopedic conditions in dogs. This could include knee injuries in dogs and others.
What Are The Benefits Of Figo Pet Insurance?
As mentioned previously, Figo also offers a comprehensive insurance plan. This insurance is super helpful in bad cases of illnesses and accidents. So, most of the issues that Figo covers and benefits that come with the Figo pet insurance include:
- Chronic Condition
- Orthopedic conditions like a torn anterior cruciate ligament
- Hip dysplasia
- Prescription medications
- Mobility devices
- Emergency services and hospitalization
- Laboratory and diagnostic test
- Pet ambulances
- Veterinary specialist treatment
- Non-routine dental treatment
- Hereditary diseases
- Congenital conditions
- Alternative and Holistic treatments
In addition to this, you can also choose to add coverage for veterinary exam fees and wellness care.
What Doesn’t Figo Pet Insurance Cover?
While Figo pet insurance has various coverages for health-related costs, there are also other policies they do not cover. This includes:
- Experimental procedures
- Cloning procedures
- Pre-existing conditions
- Breeding pregnancy or the process of giving birth
- Cosmetic surgery. E.g., Tail docking
The one thing you can be sure that other pet insurers provide but Figo doesn’t is the accident-only plans. These plans are pretty limited in coverage but they are simply more affordable than the comprehensive plans.
Figo Pet Insurance Coverage Levels
There are various levels of pet insurance coverage that they have to offer to pet owners. They are as listed below:
The Maximum Annual Limit Options
This coverage level is the total amount your pet insurer will reimburse you for expenses relating to health. This is going to be done in a specific year and the total amount given to you is the coverage limit. There are three options that Figo offers to pet owners which are:
- And Unlimited
This option involves you paying a set of money before your coverage starts picking up expenses related to your pet health-wise. This is what is known as the deductible. Here are the following deductible options that Figo offers:
The pet insurers all typically pay a percentage of your pet’s vet bills and this is what is called the reimbursement level. This is another level on the Figo pet insurance coverage level. Here are the reimbursement levels that Figo offers:
These are the three top coverage levels that Figo has among its charts in the Figo pet insurance company. These are presented for you to make the best choice based on the welfare of your pets and what the pet insurer can help with.
Figo Pet Insurance Plans
Figo is also excellent in its offering of an accident and an illness plan. With these plans, there are three annual limits that you can select from for your pets. These include the $5,000, $10,000, and the Unlimited plan.
Also, it offers a great option that helps cover spaying, vaccination, heartworm prevention, and so on. You can also purchase Figo’s extra care pack as a pet owner. The extra care pack that you will be purchasing will include coverages for:
- Lost pet advertising and reward
- Vacation cancellation due to a pet emergency
- Pet theft and the loss due to a pet’s stary. This could be up to $150.
- Boarding fees
- Cremation and burial costs
- Third-party property damage liability insurance.
The third-party property damage liability insurance could be up to $10,000 per policy period. However, it is subject to a separate deductible. You can already all the benefits that come with purchasing Figo’s extra care pack. That is what it means to get the best care for your pets.
How Much Does Figo Cost?
Figo has a $15 one-time fee and a $2 transaction fee for every payment. The average for Figo could be about $1.50 per day. Purchasing a sample monthly premium for covering your dog would cost about $31.34. Also, the monthly premium for covering your cat will be at a higher price with an average of $18.18.
However, your monthly premium is based on the deductible, annual payout options you select, and reimbursement percentage. In addition, pricing depends on the details of your pets. This could be the location, preexisting conditions, age, breed, and so on. You can work hand in hand with your pet insurer to get the best deal and price to purchase a Figo Pet insurance policy.
How Do I File Claims With Figo?
If you want to file a claim with Figo, it is straightforward to do so. You can simply file a claim with Figo by visiting your Figo Pet Cloud. Then, you will proceed to upload a picture of your paid invoice to the app. Figo also states that it closes claims within 2-6 working days so that means your claims can be handled quickly. You can also visit their homepage to get helplines that could help you if you are in need of assistance.