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 offers a "Pet Cloud", a mobile application that allows you and your pet to manage their 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. You can also choose to pay an upfront deductible, which will affect 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 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 process your claim and most claims are settled within three business day.
Figo is now available in all 50 US states. Depending on which plan they choose, customers can choose between a $100 or $1,500 deductible. This deductible is reduced by $50 for every year your pet has been insured without a claim. 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 also offers a GPS pet collar, which allows you to track your pet. It's ideal for pets that roam. 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 cover major injuries and illnesses. They also include hospitalizations, emergency care, and specialized treatment. 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 provides coverage for hereditary condition. The insurer's website describes hereditary conditions as conditions passed on through a dog or cat's genes, but you'll need to contact customer experience to confirm if your pet qualifies. Figo doesn’t have a maximum age but most insurance companies have rules for new policies.
Figo provides 24/7 live vet chat. The company has an electronic filing and tracking platform that makes it simple to submit claims. The app also allows users to access a list recommending pet-friendly places.
The Figo Pet Cloud App is extremely popular among users. You can communicate with a live vet and choose from a variety of reimbursement rates. It also provides urgent care advice. When you need to submit a case, the app will allow you to do so electronically.