Figo Pet Insurance offers comprehensive insurance coverage. It also allows you to choose between one of three annual benefits options: Preferred, Essential or Ultimate. Optional wellness programs can be selected to provide regular vaccinations and bloodwork. For a nominal monthly fee, Figo offers a "Pet Cloud" mobile app that allows you to manage your pet's health. The app allows you to access many features such as a medical record view and emergency care advice. You can also remind yourself of upcoming appointments.
An online application is required to be enrolled in Figo Pet Insurance. During this process, you'll need to provide 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. Figo provides a 30-day moneyback guarantee. This guarantees that you will have the opportunity to file a claim within the policy's first year.
Although there are no limit to the number of claims that you can file, Figo requires you to visit a licensed veterinarian as well as upload any 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. Depending on which plan they choose, customers can choose between a $100 or $1,500 deductible. For each year your pet's insurance has been in force, the deductible is decreased 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 also offers a GPS pet collar, which allows you to track your pet. 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 will cover any major illness and injury. They also provide coverage for veterinarian exams and non-routine dental treatment. Some plans come with an additional care package, which covers third-party property damage upto $10,000
Figo also offers coverage for 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 age limit, but most insurance companies have restrictions for new policies.
Figo provides 24/7 live vet chat. The company offers an electronic filing and tracking system, so it's easy to submit claims. The app also allows users to access a list recommending pet-friendly places.
The Figo Pet Cloud is extremely popular. You can communicate with a live vet and choose from a variety of reimbursement rates. It also provides urgent care advice. You can use the app for submitting a claim to the company electronically.