Figo Pet Insurance offers comprehensive insurance coverage. It also allows you to choose between one of three annual benefits options: Preferred, Essential or Ultimate. Optional wellness programs can be selected to provide regular vaccinations and bloodwork. Figo provides a mobile app called "Pet Cloud" that allows you to monitor your pet's health for a small monthly fee. 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.
You will need to complete an online application in order to enroll in Figo pet coverage. During this process, you'll need to provide your pet's name, breed, and ZIP code. A deductible can be paid upfront, which will impact your premium. The deductible can be waived with a vet's form. In addition, Figo has a 30-day money back guarantee, which means that you have until the end of the policy's year to file a claim and receive reimbursement.
There are no limits to how many claims you may file. However, Figo does require the visit of a licensed veterinarian. You must also upload any medical records. The insurer will then process the claim. Most claims are settled in three to five business days.
Figo is available across all 50 states. Depending on the plan chosen, customers can choose a deductible of $100-$1,500. This deductible is reduced by $50 for every year your pet has been insured without a claim. Figo also offers a 5% discount for multiple animals. The policy doesn't cover pets under eight weeks of age when it's purchased.
Figo provides a GPS pet collar free of charge that allows you and your pet to track each other. This collar is great for pets who are constantly roaming. If your pet is stolen, Figo will cover the cost of boarding fees and third-party property damage up to $10,000 per policy.
Figo policies cover major injuries and illnesses. They also include hospitalizations, emergency care, and specialized treatment. They also include veterinarian exams and non-routine dentistry care. Some plans can be paired with an extra package, which covers third party property damage up to 10,000.
Figo also provides coverage for hereditary condition. 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 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. A list of recommended pet friendly locations can be accessed through the app.
The Figo Pet Cloud App is extremely popular among users. You can use the app to speak with a veterinarian and select from various reimbursement rates. You can also access urgent care advice via the app. The app can be used to submit a claim and the company will pay it electronically.