Figo Pet Insurance provides comprehensive coverage for pets. You can choose from three annual benefit options: Ultimate, Preferred, or Essential. You can also choose optional wellness programs to cover regular blood work and vaccinations. 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.
The online application for Figo pet insurance is required. During this process, you'll need to provide your pet's name, breed, and ZIP code. Your premium may also be affected if you choose to pay an upfront deposit. The vet's forms can help waive the deductible. Figo offers a 30-day guarantee for a full refund. You have up to one year to file a claim or 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. The insurer will process your claim and most claims are settled within three business day.
Figo is available in all 50 states. Depending on which plan they choose, customers can choose between a $100 or $1,500 deductible. For every year that your pet is insured, the deductible will be reduced by $50. Additionally, Figo offers a 5% discount for multiple pets. You will not be covered if your pet turns eighteen weeks old by the time you purchase a policy.
Figo also offers a GPS collar to help you track your pet. It is ideal for pets that are roaming around. 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 will cover any major illness and injury. They also cover veterinarian exams, and non-routine dental care. Some plans come with an additional care package, which covers third-party property damage upto $10,000
Figo also covers 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 also offers an electronic filing system and tracking system that makes it easy to submit claims. Users can also access a list of recommended pet-friendly locations through the app.
The Figo Pet Cloud app is very popular with users. 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. The app can be used to submit a claim and the company will pay it electronically.