Figo Pet Insurance Review

Figo pet insurance plans and cost

Two plan types are available: one covers accidents and illness, the other accidents only. A wellness rider for routine care can be added. These policy disclosures don't list sample monthly rates or yearly payout caps, since pricing depends on your pet and where you live.

The deductible and reimbursement settings you choose also affect your price. The deductible is the amount of money you pay each year toward covered vet bills, before your plan starts paying. Yearly deductible choices range from $100 to $1,500, and they depend on your pet's age.

After you meet your deductible, reimbursement is the portion the insurer pays back on a covered vet bill. Reimbursement rates you can choose: 70%, 80%, 90%, or 100%. Enroll 2 or more pets and your family gets a 5% multi-pet discount.

Coverage and exclusions from Figo

Unexpected injuries and sicknesses fall under standard accident and illness policies, which also include several specialized treatments:

• Parents can pass down hereditary and congenital conditions, and these are covered as long as no signs turned up before coverage began.
• Dental illnesses that need veterinary treatment
• Alternative therapies used to support a pet's recovery
• Routine wellness visits and veterinary exam fees, when you add the optional powerup add-ons.

Each policy also lists clear exclusions. Spaying, neutering, and experimental procedures aren't covered by the base policy. Any pre-existing condition is excluded as well, which means an illness or injury whose symptoms appeared before coverage began or during a waiting period.

Waiting periods and age limits at Figo

A waiting period means the time between buying a policy and the day coverage begins. No new sickness or injury is covered during this window.

The standard coverage rules set accident coverage to start after 1 day, and general illness coverage to begin after 14 days. A waiting period of 6 months applies to orthopedic conditions.

Puppies and kittens may enroll once they reach 8 weeks old. There's no upper age limit for enrolling older dogs and cats.

Filing claims and reimbursement with Figo

The company doesn't pay the vet directly when you check out. You pay the clinic first for your vet bill, then submit a claim for reimbursement under its payment rules.

The Pet Cloud mobile app lets you send vet invoices, and you can also upload them online on the website. You can follow your claim status in real time through the app while it's under review. Once a claim goes in, it takes about 3 working days on average for most claims to close.

Who Figo works for

Because enrollment has no maximum age cap, this insurer works well for people with senior dogs and cats. Another good match: households that want their policy to cover hereditary disorders, dental sickness, and alternative therapies. If you enjoy handling claims through a mobile app, you'll appreciate the digital tools.

You may want to look elsewhere if you need your insurer to pay the vet clinic directly when you check out. You can only get veterinary exam fees covered by buying an extra policy add-on. You should also factor in the extra waiting time for orthopedic care if your breed is prone to joint trouble.

Common questions

Is Figo pet insurance worth the cost?

Whether a policy works for your budget depends on how much of the financial risk for future vet bills you want to share. Optional add-ons covering exam fees or wellness care can be paired with an accident-only policy or the accident and illness plan. Weighing your savings against the deductible choices you set will help you decide while the initial refund window is still open.

Does Figo pet insurance pay for pre-existing conditions?

Pets that already have health problems can still sign up for a policy, though those particular conditions stay outside what the policy pays for. However, coverage may apply to curable pre-existing conditions after your pet goes 12 months with no symptoms and no treatment.

What's the way to get a Figo pet insurance quote?

For a price online, use the company quote portal with your zip code, email, and information about your pet's age and breed. After your options load, you can change the deductible and reimbursement levels and watch how they affect your rate.