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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

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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 Pet Insurance Plans

Before getting started with a pet insurance plan make sure to familiarize yourself with how pet 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 pet insurance to help make sure your dog or cat is fully covered and protected.

What is Pet Insurance?

Whether you have a cat or a dog, your pet will more than likely need to see a vet at some point. Seeing a vet is not cheap, and vet bills can add up, sometimes costing you thousands of dollars a year. Rather than paying for medical expenses out of pocket, signing up for a pet insurance plan will help cover the costs of future routine and emergency veterinary bills.

How Does Pet Insurance Work?

Pet insurance works a lot like human health insurance in that plans include payment features like deductibles, co-pays, maximum coverage, premiums, waiting periods, and no coverage for pre-existing conditions.

Deductible: Customers pay a small amount before the insurance company covers the remaining costs of the vet bills. Per-incident deductibles incur for each new expense. An annual deductible refers to money the customer must pay each year.

Co-pay: Co-pay is the percentage customers pay after the deductible. Then the insurer will pay the remaining amount. For example, if your co-pay is 10%, the insurer will cover 90% of the bill.

Maximum coverage: Insurers will limit the amount covered. After that, the pet owner will need to pay the rest. Some insurers have the option of unlimited coverage.

Premium: The amount of money the customer pays monthly for pet insurance. Waiting period: The amount of time before your coverage starts. Sometimes pet insurance providers will not cover an illness or injury if it occurs during the waiting period.

Pre-existing conditions: Pet insurance providers do not cover pre-existing. This refers to a health condition that exists prior to the insurance coverage.

What does Pet Insurance Cover?

Each pet insurance provider has its own customized insurance policies. The extent of the coverage will depend on the provider and plan that you choose.

When choosing a plan, consider whether you want the following types of coverage depending on the needs of your pet:

∙ Preventative/wellness care
- ∙ Hereditary conditions
- - ∙ Dental care
  - - ∙ Unexpected illness and injuries
    - - ∙ Diagnostic tests
      - ∙ Surgeries Hospitalizations
        ∙ Medication Supplements or prescription food
        
        If your pet is at greater risk for certain medical treatments due to its breed or age, you might want to consider choosing a provider and plan that covers breed-specific and genetic conditions. However, it is important to note that most providers do not provide coverage for pre-existing conditions.

Can Pet Insurance Save You Money?

Medical bills, even for pets, can end up costing a lot of money. Paying out of pocket could cost you thousands of dollars and lead to debt. If you own a pet, paying a little now can save you a lot later on.

With our list of the top pet insurance companies, you can shop around for the best option for your pet to ensure you get a good deal for quality coverage.

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