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Figo Pet Insurance Review

In a nutshell: Figo pet insurance is known for its comprehensive, customizable policies that are easily managed through its innovative app. It offers competitive monthly premiums and provides a range of coverage options tailored to your pet's needs. Figo stands out for its quick and efficient claims process and offers both essential medical coverage and optional wellness plans for preventative care.

Figo Pet Insurance Review

Overview

Searching for the right pet insurance? Figo Pet Insurance stands out with its comprehensive, customizable policies, easily accessible through their cutting-edge app. Customers appreciate Figo for its competitive monthly premiums, tailored coverage options, and efficient claims process. Figo offers essential medical coverage for dogs and cats, along with optional wellness plans for preventative care.

Figo's unique feature is its 24/7 virtual vet visits available through the app, offering peace of mind and instant access to professional advice. Coverage includes accidents, illnesses, and even advanced treatments like surgeries and chronic condition management.

Founded in 2013, Figo offers pet insurance exclusively, focusing on providing the best possible care for pets. Policies start at competitive rates, and Figo provides various discounts, including multi-pet discounts.

Coverage is extensive, but note that routine care, like vaccinations and dental cleaning, may require additional wellness plan purchases. Policies typically exclude pre-existing conditions, cosmetic procedures, and breeding-related expenses.

Figo has received high ratings for its customer service and user-friendly app. It has been featured in publications like "Pet Life Today" and "Canine Journal," earning a solid reputation among pet owners.

Policies

Figo pet insurance coverage includes:

- Diagnostics: Lab tests, X-rays, ultrasounds, and MRIs.

- Procedures: Includes surgeries, hospitalizations, emergency care, and specialty treatments.

- Medication: Prescription drugs and injections.

- Accidents and Illnesses: Covers unexpected injuries, illnesses, and emergency treatments.

- Chronic Conditions: Long-term diseases like diabetes, arthritis, and cancer.

The basic plan covers emergency treatments, medications, and procedures. Optional wellness packages cover routine care such as:

- Annual wellness exams

- Vaccinations

- Heartworm and flea prevention

- Spaying/neutering

Manage your policies and claims through the Figo app, available on both iOS and Android. Claim processing is straightforward, usually requiring only the submission of the vet invoice.

Limitations

Exclusions include pre-existing conditions, cosmetic procedures, and breeding costs. Figo doesn't have a maximum age limit for enrollment but may adjust coverage based on the pet’s age and breed.

Figo is available in most states in the U.S., offering wide coverage across the country. However, coverage options may vary by state.

Cost

Visit the Figo website for a personalized quote. Monthly premiums start competitively, influenced by your chosen deductible, reimbursement level, and policy limit.

Costs vary based on your pet's age, breed, and health status, averaging between $30 - $70. Policy limits range from $5,000 to unlimited. Wellness coverage costs extra, depending on the chosen plan.

Sample Coverage for a 3-year-old dog

- $30.25 a month (including wellness coverage)

- 80% Reimbursement

- $200 deductible

- Unlimited annual payout

Customer Support

Figo's customer support is known for its responsiveness and efficiency, primarily handled through their app and website. For more complex issues, customers can reach out via phone or email. Figo's social media presence is also strong, with active accounts on platforms like Facebook, Twitter, and Instagram.

Real customer reviews often highlight Figo's user-friendly app, efficient claim processing, and helpful customer service. However, some reviews mention limitations in coverage and occasional delays in claim processing.

Pros

24/7 video chat with veterinary professionals
Most claims paid in just days
Customizable deductibles

Cons

Only available for dogs & cats
No direct vet pay

Our Top 3 Picks

Spot

Lemonade

Embrace

Fee Structure Variety

8.0

Their plans include multiple deductible and reimbursement choices

Payout Speed

9.0

Processes and pays out claims very quickly, usually within 3-5 business days

Integration Capabilities

9.0

Extensive integrations with a wide range of veterinary systems, mobile apps, and digital platforms

Security measures

9.0

Strong security protocols, including encryption and multi-factor authentication, regular security audits

Customer support

8.0

Customer support available extended hours, variety of contact methods, including phone, email, and live chat, quick response times

Most Commonly Asked Questions About Dog Insurance Plans

Before getting started with a dog insurance plan make sure to familiarize yourself with how dog insurance works and what plan is best for your furry friend. To help you get started, we've compiled a list of some of the most commonly asked questions about dog insurance to help make sure your dog is fully covered and protected.

Who is Dog Insurance For?

Pet insurance can benefit anyone with a dog. Whether you're bringing home a new puppy or adopting a mature dog from a pet rescue, making sure you have the right dog insurance can end up saving you more money than you realize. If you've had a dog for years but have never had dog insurance, some of the best dog insurance plans could benefit you. Plans cover routine visits as well as emergency care. This means that you wouldn't pay much for routine vet visits, and you have the added security of emergency care coverage.

Having dog insurance is a good idea no matter the age of your pet. Owners with older dogs can especially benefit because, as dogs age, their bodies need more care and attention, just like people. Older dogs should be insured by a provider that offers specialized care for senior dogs. Those who have just gotten a puppy can benefit from dog insurance as well. Puppies need to go to the vet to get many different vaccinations. Therefore, the best dog insurance plan for the owner of a puppy should cover preventative care.

Is Dog Insurance Worth It?

Healthcare for pets can end up costing a lot of money. Having dog insurance provides you with the security of knowing that, in an emergency, you can choose the right medical option for your pet without spending a fortune. You don't have to make any decisions about your pet's well-being based on your finances.

If you already take your dog to the vet on a routine basis, you should look for insurance that covers routine visits and vaccinations. Finding the right pet insurance for your situation and your pet is key. To do this, review the features of the plans available and the type of coverage offered. If you have multiple pets, for example, some companies give discounts on dog insurance for more than one animal.

Can Dog Insurance Save You Money?

Dog insurance can save you money if you choose the right one for your and your pet's needs. When it comes to emergency care, having dog insurance can help you save big. Pet surgeries for emergency situations can get expensive. If your dog experiences an accident, you can end up with vet bills costing thousands of dollars.

Because many dog breeds are very active, they can injure themselves by running, jumping, and playing just as humans do. If your pet lands wrong after jumping or overexerts themselves while running, they could easily tear a ligament in one or more of their limbs. Testing and specialized surgery to repair something like a torn cruciate ligament can leave you with vet bills totaling more than $5,000.

Coverage could cover most of the surgery costs and decrease the bill by almost $4,000 with the right copay and deductible. If your pet has an accident with a car, you could end up paying around $10,000 for the surgeries needed in order to save their life. In this situation, dog insurance with the right copay and deductible ensures that you receive reimbursement for the majority of surgery costs.

What Are Some Common Dog Health Problems?

Dogs have many common health problems that may require you to take your pet to the vet. Having dog insurance gives you peace of mind knowing you can afford pet care. For example, stomach issues represent one of the most common causes for a vet visit among dogs. Dogs suffering from symptoms like vomiting, diarrhea, and refusing food may need an ultrasound, which can range anywhere from around $300 to $500. Some cases may also require additional testing like an endoscopy, which can cost from $800 to $1,000, or a $3,000 CT scan. The best dog insurance plans offer 80-90% reimbursement, so having a dog insurance plan when your pet needs extensive testing could turn out as a financial lifesaver.

Dogs often need treatment for skin conditions, ear and eye problems, and growths. If your dog needs treatment for a skin condition like dermatitis, you may need to pay anywhere between $100 to $500 for their prescriptions. The bill for a visit to the vet for something as small as an ear infection could cost as much as $250. If your pet needs treatment for an eye condition, surgery could cost thousands of dollars. When dogs need care for a growth, a biopsy can cost as much as $1,500. If test results show signs of cancer, a full course of chemotherapy can cost around $15,000. A number of pet insurance plans cover preventative care so that you can catch a lot of issues early on and avoid these high costs. Plans also include illness coverage if your pet is diagnosed with a serious condition.

Which Pet Insurance Provider is Good for Dogs?

There are a number of factors to consider. The best dog health insurance for one pet may not always make sense for another. Circumstances vary from animal to animal so you should think of your pet's age, breed, and overall health when selecting insurance. Of course, you'll also need to consider your budget, the type of specialized services you may need (such as grooming, breeding, etc.), and how many pets you have.

If you have an older dog, Pets Best and Petplan stand out as two of the better dog health insurance companies. Pets Best does not have upper age limits for coverage, and Petplan has plans designed specifically for senior dogs. It's important to note, however, that Petplan can get pricey, and they have no wellness program.

Along with its age, your dog's breed plays a major role in coverage and price for pet insurance. Larger breeds like bulldogs, mastiffs, retrievers, and Rottweilers are more prone to conditions like hip dysplasia. If you have a larger breed, you should look for a provider that will cover things like hip dysplasia and other conditions that affect large breeds.

For those seeking dog insurance for multiple dogs, the ASPCA offers owners of more than one dog special low rates. Unfortunately, the ASPCA does not cover pre-existing conditions.

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