Figo Pet Insurance Review
Figo Pet Insurance is a pet-focused, technology-driven provider designed to help pet owners manage veterinary care expenses. Known for its user-friendly app and rapid claims processing, Figo’s aim is to make protecting your pet’s health as easy as possible. This review provides a thorough analysis of Figo, examining its coverage options, plan details, advantages and disadvantages, additional features, and costs, alongside customer feedback.
Figo Coverage Options
Understanding your pet’s potential medical needs is essential when choosing a pet insurance plan. While it’s impossible to predict every health issue, certain factors like age, breed, and genetics can increase the likelihood of some conditions. Figo covers an extensive array of conditions and treatments, including:
What Figo Pet Insurance Covers
- Accidents
- Cancer
- Chiropractic and acupuncture
- Chronic conditions
- Common illnesses
- Congenital disorders
- Curable pre-existing conditions
- Dental illnesses and injuries
- Diagnostic services
- Emergencies
- Examination and consultation fees
- Hereditary disorders
- Holistic and alternative treatments
- Mobility devices
- Prescription medications
- Rehabilitation
- Surgeries
- Veterinary specialist treatments
- Wellness and preventive care
Detailed Coverage Breakdown
The following outlines the specific conditions covered by Figo, split into categories:
Accidents and Emergencies
- Allergic reactions
- Attack by dog or other animal
- Being struck by a car
- Bloating
- Burns
- Dental illnesses and injuries
- Electrical shocks
- Ingestion of harmful or dangerous substances or food
- Poisoning
- Serious health conditions, e.g., pancreatitis
Cancer
- Hemangiosarcoma
- Lipoma
- Lymphoma
- Mammary cancer
- Melanoma
- Osteosarcoma
Chronic Conditions
- Allergies
- Arthritis
- Diabetes
- Obesity
Common Illnesses
- Arthritis
- Dental disease
- Diarrhea
- Kidney problems
- Loss of appetite
- Urinary problems
- Vomiting
Hereditary and Congenital Disorders
- Heart anomalies
- Hip dysplasia
- Patella luxation
- Polycystic kidney disease
- Progressive retinal atrophy
What Figo Does Not Cover
- Breeding, pregnancy, giving birth
- Cloned pets or cloning procedures
- Cosmetic surgeries
- Experimental procedures
- Pre-existing conditions
- Treatment for conditions attributed to most parasites
Figo Pet Insurance Plans and Customizations
Figo offers three primary plans with varying price points, allowing pet owners to select the best fit for their budget and needs. Additionally, there are two optional “Powerups” to customize coverage further.
Available Plans
- Essential: Reimbursement up to $5,000 annually for eligible veterinary medical expenses.
- Preferred: Figo’s most popular plan, with a maximum annual reimbursement of $10,000 for eligible expenses.
- Unlimited: Offers comprehensive coverage and reimbursement for all eligible veterinary expenses without a set annual limit.
**Powerups (Optional Add-ons)
*Wellness Powerup**: Available in two tiers:
- Basic Wellness Powerup: Reimburses up to $135 annually for eligible expenses.
- Plus Wellness Powerup: Offers up to $250 per policy cycle.
- Dental Health certificate/microchip
- Neutering/spaying
- Parasite preventives
- Routine exams
- Tests (blood tests, heartworm test, urinalysis)
- Vaccines Veterinary exam fees
- Exam Fee Powerup: This add-on provides coverage for exam or consultation fees related to covered injuries and illnesses, excluding routine checkups.
Pros and Cons
Pros
- 24/7 Live Vet Chat: Customers receive free access to veterinary professionals at any time.
- Coverage for Curable Pre-Existing Conditions: Coverage may be available if the pet remains symptom-free for a minimum of 12 months.
- Efficient Claims Payout: Often faster than other providers, reviewed and paid out in under three days.
- No Upper Age Limit: Keeps pets of all ages covered.
- One-Day Waiting Period for Accidents: A quick turnaround for accident coverage.
- Waiting Period Waiver: Options to waive waiting periods for certain conditions.
Cons
- Extended Waiting Periods: Initial waiting period of six months for conditions like hip dysplasia and orthopedic issues unless waived.
- No Accident-Only Plan: No basic accident only plan to offer affordability to the client.
Additional Features of Figo Pet Insurance
Figo distinguishes itself with unique features that are not typically found across all pet insurance providers.
- Discounts: Offers a 5% discount for enrolling multiple pets and, in most states, a 5% military discount.
- No Per-Incident Caps: There is a single annual limit, regardless of the condition.
- One Annual Deductible: The deductible applies to all covered incidents in a policy year.
- Personalized Pet Tag: Provides pets with a personalized tag for easy identification.
- Pet Cloud: Through the Pet Cloud app, pet owners can keep track of their pet’s medical history and arrange playdates.
- Waiting Period Waiver: Allows clients to sign a waiver for an additional fee to waive the waiting periods for certain conditions.
- 24/7 Live Vet Line Chat: Access a licensed veterinarian through the Pet Cloud app at any time.
Exclusions and Restrictions
Figo aims to offer accessible medical care; however, specified exclusions and restrictions limit available care. Familiarize yourself with the policy to understand coverage limitations.
Exclusions:
- Puppies and kittens: Puppies and kittens must be at least eight weeks old to be insured.
- Older cats and dogs: Figo does not place an upper age limit on pet enrollment.
- Waiting periods: Figo has a one-day waiting period for accidents, a 14-day waiting period for illnesses, and up to a six month waiting period for orthopedic conditions, though that can be waived.
- Location restrictions: Coverage through Figo is available in all states.
Figo Pet Insurance Costs
Policy costs vary on a variety of factors; however the following examples are quotes based on breed and age:
Example Rates for Dogs
*Sample policies were for a female dog with excellent health in Arizona with the ZIP code 85251. The choices for customization selected were for an accident and illness plan with a $250 deductible, 90 percent reimbursement limit and $5,000 annual benefit limit. Quotes are rounded to the nearest dollar. The rates listed are for illustrative purposes only. You should contact the company directly for applicable quotes. Rates last verified December 17, 2024.
Example Rates for Cats
*Sample policies were for a male cat with excellent health in Arizona with the ZIP code 85251. The choices for customization selected were for an accident and illness plan with a $250 deductible, 90 percent reimbursement limit and $5,000 annual benefit limit. Quotes are rounded to the nearest dollar. The rates listed are for illustrative purposes only. You should contact the company directly for applicable quotes. Rates last verified December 17, 2024.
How to File a Claim with Figo
Filing claims through the Pet Cloud app is a straightforward process.
- Log in: Access your Figo Pet Cloud account on any device.
- Select “Claims”: Navigate to the claims section and answer a few online questions.
- Upload Documents: Attach a copy of the paid vet bill.
- Submit: Send the claim for review.
- Medical Records: You can also have your vet directly send in the pet’s medical records.
Alternatively, submit a claims form via:
- Fax: (773) 966-0769
- Phone: (888) 223-0596
- Email: [email protected]
Figo provides the option to appeal rejected claims twice, and upon the third rejection, you can file a formal complaint.
Frequently Asked Questions
How are Figo Pet Insurance premiums determined?
Premiums are determined by a variety of factors including the pet’s age, breed, location, and selected coverage.
Does Figo Pet Insurance have claim limits?
No, Figo does not have claim limits per incident, per year or over the pet’s lifetime, nor does the company limit the number of claims you can submit.
Are there any breed restrictions with Figo Pet Insurance?
Figo lists no breed restrictions, although your pet’s breed may affect premiums.
