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. Optional wellness programs are available to cover routine blood work and vaccinations. 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.
The online application for Figo pet insurance is required. The online application will ask for your pet's name as well as their breed and postal code. A deductible can be paid upfront, which will impact your premium. You can waive your deductible by submitting a vet's request form. 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.
There are no limits on the number of claims you can file, but Figo does require that you visit a licensed veterinarian and upload any medical records. The insurer will process your claim and most claims are settled within three business day.
Figo is available in all 50 states. Depending on the plan chosen, customers can choose a deductible of $100-$1,500. The deductible decreases by $50 for every insured pet that has not been claimed. Additionally, Figo offers a 5% discount for multiple pets. However, if your pet is under eight weeks old when you purchase a policy, it isn't covered.
Figo also offers a GPS collar to help you track your pet. It is ideal for pets that are roaming around. Figo will pay the cost for boarding fees, third-party property damage and theft of your pet up to $10,000 each policy.
Figo policies will cover any major illness and injury. They also provide coverage for veterinarian exams and non-routine dental treatment. Some plans can be paired with an extra package, which covers third party property damage up to 10,000.
Figo also covers hereditary diseases. Hereditary conditions can be described by the insurer as conditions passed down through a pet's genes. You'll need contact customer service to confirm whether your pet is covered. Figo doesn’t have an upper limit on age, but many insurance companies have limits for new policies.
Figo provides 24/7 live vet chat. The company also offers an electronic filing system and tracking system that makes it easy to submit claims. You can also access a listing of pet-friendly areas through the app.
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. You can also get urgent care advice through the app. You can also use the app to file a claim electronically.