Overall Rating
Pros and Cons
Available Plans
Plan Pricing
What’s Not Included?
Pre-existing-conditions Pre-Existing Conditions
Coverage Limits
Claims
Waiting Period
Verdict
Frequently Asked Questions
> What’s Not Covered by Figo Pet Insurance?
> Does Figo Pet Insurance Cover Vaccines?
> Can I Use Figo Pet Insurance at Every Vet’s Office?
I am a full-time mum of two kids and a beautiful golden retriever. Writing is my passion: from food journalism to pets, parenting tips, etc. I can write on just about everything under the sun. I have been writing for the past 7 years and during that time, I have been a regular contributor to several blogs and pet magazines. I have also written feature articles, POV pieces, and dabbled in a few different formats of writing over the years.
Figo Pet Insurance offers several benefits and advantages to pet parents. Let’s take a look at some of them.
Important :Some of the many great features of the company include impeccable PetFirst customer service, cost-effective premium plans, and reliable sources.
– With conditional coverage for pre-existing conditions, super fast claim processing, and no age restrictions, Figo offers dependable insurance plans for all-round dog care.
– However, keep an eye out for exclusions, including check up costs for regular to emergency visits.
Based in Chicago, Figo Pet Insurance was founded in 2012 to provide enrolled cats and dogs from 50 US states the best medical care. Innovation is at the heart of the company and you’ll see this in the app they use to deliver responsive, efficient service.
The Figo Pet Cloud is among the most comprehensive pet insurance apps. Customers can also easily reach them by text, email, phone, and social media.
Figo offers very flexible plans. It has three customizable plans to offer: Essential, Preferred, and Ultimate — each with different annual benefits.
Policyholders can tweak their deductible levels, coverage levels, and choose the reimbursement amount.
The extras are usually buried in the fine print but here’s what you need to know. 24PetWatch covers almost all injuries and accidents. The only drawback is the limitation it poses in enrollment. Dogs above the age of 10 and cats above the age of 12 cannot avail of the benefits this pet insurance can provide.
Some of the policies not covered by 24PetWatch include:
Also Read: Blood Tests for Dog
Examination fees, spay and neuter surgery, wellness and preventive care, dental treatment, and cremation and burial benefits can only be availed after paying an additional fee.
Figo Pet does not cover experimental treatments, microchipping, pre-existing conditions, cosmetic procedures, breeding care, and parasite treatments.
Does Figo pet insurance cover pre-existing conditions? Similar to most pet insurance companies, Figo does not cover the costs of pre-existing conditions under its policy.
What qualifies as pre-existing conditions? Any condition whose symptoms manifested in your pet before the start of the plan or during the waiting period is considered a pre-existing condition.
When you purchase the cheapest plans available, you’re entitled to coverage of up to $5,000 per year. Higher, more expensive premium plans offer unlimited coverage.
Anytime a policyholder receives a vet bill, they have to file a claim. The claim-filing procedure is easy and technology-based.
Figo has developed an exclusive mobile-based AI claims assistance, Evie, that you can reach out to for instructions on filing claims.
Claims can also be submitted by phone, email, or fax. It typically takes two to ten days for a claim to be processed by Figo.
The shortest waiting period is a day for injury-related claims. For illnesses, it’s 14 days while orthopedic conditions have a waiting period of 6 months.
As with most pet insurance policies, Figo Pet Insurance offers several plans where you get exactly what they promise you.
Though their plans are cheaper, you’ll want to add on certain riders to make their plan more relevant for you. This entails additional costs which will drive the price up.
Their basic plan imposes limitations that exclude basic pet-related expenses like vaccinations and certain types of treatment. Their plans do not cover preventive care either.
Go through this Figo Pet Insurance review before you decide if one of their policies is worth your time and money. If you do sign up and decide against it, you can always cancel your policy and receive a full refund as long as you do it within the 30-day money-back period.
Does Figo pet insurance cover vaccinations? It does but at an additional cost. Several benefits can only be availed after paying additional fees. Some of these add-ons are:
Figo’s basic plan does not cover vaccines. However, you can have it built into your policy for an additional fee.
Yes, you can use Figo Pet Insurance at every licensed veterinarian office across the USA, Canada, and Puerto Rico.
