Figo Pet Insurance provides comprehensive pet insurance coverage. You have the option of selecting from one of three annual benefits: Essential, Ultimate or Preferred. You can also select optional wellness programs that cover regular bloodwork and vaccinations. Figo provides a mobile app called "Pet Cloud" that allows you to monitor your pet's health for a small monthly fee. The app offers a number of features including an overview of your pet's medical history, emergency care advice, reminders, and reminders for upcoming appointments.
The online application for Figo pet insurance is required. During this process, you'll need to provide your pet's name, breed, and ZIP code. A deductible can be paid upfront, which will impact your premium. With a vet’s form, the deductible can be waived. Figo also offers a 30-day money-back guarantee. This means you can file a claim up to the end of the policy year and receive reimbursement.
There is no limit on how many claims you can file. However, Figo does require you to see a licensed veterinarian and upload any relevant medical records. The insurer will process your claim and most claims are settled within three business day.
Figo is available in all 50 states. Customers can choose from a $100 to $1,500 deductible depending on their plan. For every year that your pet is insured, the deductible will be reduced by $50. Figo provides a 5% discount if you have multiple pets. The policy doesn't cover pets under eight weeks of age when it's purchased.
Figo offers a GPS collar for pets that can be used to track them. It's ideal for pets that roam. Figo will pay for boarding fees and damage to third-party property if your pet is taken.
Figo policies are designed to cover all major illnesses and injuries, and include emergency care, hospitalization, and specialized treatments. They also cover vet exams and non routine dental care. Some plans come with an additional care package, which covers third-party property damage upto $10,000
Figo also covers hereditary conditions. The website of Figo describes hereditary diseases as conditions passed on from a cat or dog's genes. However, customer service can confirm that your pet qualifies. 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 provides an electronic filing/tracking system so that it is easy to submit claims. A list of recommended pet friendly locations can be accessed through the app.
The Figo Pet Cloud app is very popular with users. The app lets you communicate with a live veterinarian and allows you to choose from several reimbursement rates. You can also access urgent care advice via the app. You can use the app for submitting a claim to the company electronically.