Figo Pet Insurance offers comprehensive pet insurance coverage, including the option of choosing from one of three annual benefit options: Essential, Preferred or Ultimate. You can also opt for optional wellness programs that will cover regular blood tests 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 provides a range of functions, including a mobile medical record view, emergency advice, reminders and reminders 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. The deductible can be waived with a vet's form. Figo also offers a 30-day money-back guarantee. This means you can file a claim up to the end of the policy year and receive reimbursement.
There are no limitations on the number you can file claims, but Figo does require your veterinarian to be present and that any medical records be uploaded. 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 in all 50 states. Customers can choose from a $100 to $1,500 deductible depending on their plan. The deductible is reduced $50 for each year your pet has been covered without filing a claim. Figo offers a 5% discount to multiple pets. It is not covered if your pet is less than eight weeks old at the time you buy a policy.
Figo also provides a free GPS pet collar that allows you to track your pet. This collar is great for pets who are constantly roaming. 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 include veterinarian exams and non-routine dentistry care. You can also purchase an extra care package that includes property damage to third parties up to $10,000 for some plans.
Figo also offers coverage for hereditary conditions. The insurer's website describes hereditary conditions as conditions passed on through a dog or cat's genes, but you'll need to contact customer experience to confirm if 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/tracking platform, making it easy for customers 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. You can also access urgent care advice via the app. When it comes time to make a claim, you can use the app to send a claim, and the company will pay it electronically.