Figo Pet Insurance offers complete pet insurance coverage. The policy includes the option to select from one of three annual benefit options, Essential, Preferred, and Ultimate. You can also select optional wellness programs that cover regular bloodwork and vaccinations. Figo's "Pet Cloud", a mobile app that lets you manage your pet's health, costs a minimal monthly fee. With the app, you can access a variety of features, including a medical record view, emergency care advice, and reminders of 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. A deductible can be paid upfront, which will impact your premium. The vet's forms can help waive the deductible. 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. Your claim will be processed by the insurer within three business days. Most claims can be settled in under three business days.
Figo is available across all 50 states. Customers can choose between a $100 and $1500 deductible, depending on what plan they have chosen. For every year that your pet is insured, the deductible will be reduced by $50. Figo also offers a 5% discount on multiple pets. However, if your pet is under eight weeks old when you purchase a policy, it isn't covered.
Figo also provides a free GPS pet collar that allows you to track your pet. It is ideal for pets that are roaming around. 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 are designed to cover all major illnesses and injuries, and include emergency care, hospitalization, and specialized treatments. They also cover routine and emergency dental care. Some plans can be paired with an extra package, which covers third party property damage up to 10,000.
Figo also covers hereditary diseases. Hereditary conditions can be described by the insurer as conditions passed down through a pet's genes. You'll need contact customer service to confirm whether your pet is covered. Figo doesn't have an upper age limit, but most insurance companies have restrictions 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. The app also allows users to access a list recommending pet-friendly places.
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. The app is also designed to provide you with urgent care advice. The app can be used to submit a claim and the company will pay it electronically.