Figo Pet Insurance believes in providing pets and their families with insurance when they need it and technology along the way. In fact, Figo is the first cloud-based pet insurance company, allowing you to manage your pet’s life in a new and easy way.
Insurance Underwriter: Markel American Insurance Company
A.M. Best Rating: A (Excellent)
Customizable Plans: yes
Deductible Type: annual
Maximum Payout per Incident: No maximum payout per incident. Figo will reimburse up to your maximum annual benefit based on your coverage chosen plan.
Maximum Payout per Year: varies by plan (unlimited, $14,000 or $10,000)
Maximum Lifetime Payout: unlimited
Waiting Period: Five days for accidents and 14 day waiting period for illnesses. This cannot be waived unless you have purchased your policy using a Veterinary, Shelter or Humane Society partner and your pet is examined within 48 hours preceding purchase. For crutiates and patellas (knees), there is also a 6-month waiting. However, if your pet is examined by a veterinarian within the first 30 days of the policy and the medical record specifically note that your pet does not have any pre-existing conditions relating to its knees, the 6-month exclusion will not apply.
Age Requirement to Enroll: Dogs and cats must be at least 6 weeks old. There are no upper age limits, however, if you are renewing a policy for a dog that is 8 years or older or a cat that is 10 years or older, Figo asks that you follow your veterinarian’s advice with regard to senior wellness testing.
Lifetime Coverage Available: yes
Wellness & Routine Care Coverage Available: no
Alternative Therapies Coverage Available: yes, holistic and alternative therapies are covered if performed by a licensed veterinarian and part of a covered treatment for injury or illness.
Behavioral Treatment Coverage Available: yes, the maximum benefit that will be paid out for consultations by a veterinarian to diagnose and treat behavioral problems is subject to the policy plan chosen (see plan details below)
These features may vary by state.
Benefits of Figo Pet Insurance:
– The first cloud-based pet insurance company with simple and affordable plans
– Their industry first Pet Cloud gives you easy access to vets, medical records and more
– Pain-free claims. Great mobile app that makes claims super simple
Plan coverage:
◦ Annual veterinary fees
◦ Veterinary exam
◦ Emergency and hospitalization
◦ Surgeries
◦ Prescription medication
◦ Advanced cancer treatments
◦ Hereditary, Congenital, and Chronic conditions
◦ Diagnostic testing including X rays, MRIs, Cat Scans, and Ultrasounds
◦ Knee Conditions (such as ACL)
◦ Hip Dysplasia
◦ Rehabilitation
◦ Injury or illness related dental treatments
◦ Holistic and alternative therapies
◦ Prosthetic and orthotic devices
◦ Co-pay and deductible waived for immediate, life-saving treatment
◦ Euthanasia
Figo offers three different plans so that you can choose which one is right for you and your pet, all plans cover the treatments listed above.
1) Essential Plan:
Annual limit: $10,000
◦ Behavioral Problems: $250
2) Preferred Plan:
Annual limit: $14,000
◦ Behavioral problems: $500
◦ Emergency boarding fees: $250
◦ Lost pet advertising and reward: $250
◦ Lost pet due to theft or straying: $250
3) Ultimate Plan:
Annual limit: unlimited
◦ Behavioral problems: $1,000
◦ Emergency boarding fees: $500
◦ Lost pet advertising and reward: $500
◦ Lost pet due to theft or straying: $500
◦ Emergency vacation cancellation: $1,000
◦ Unexpected death from illness or injury: $1,000
Customize your plan
All three plans allow you to choose your desired level of reimbursement and annual deductible:
Deductible options: $50, $100, $200, or $500
Reimbursement level options: 70%, 80%, 90%, or 100%
The Pet Cloud
Managing your pet’s life is easy with the first ever pet cloud. In addition to the above benefits, Figo also provides a pet cloud to easily manage your pet’s health, including the ability to:
◦ Upload and send documents (like medical records)
◦ Share pet information with anyone
◦ Easily file a claim
◦ Automatically sync the information to ensure that you have what you need at any time
◦ Free pet tag with unique id allows you to reunite with your lost pet using your pet’s profile (which you create)
◦ If your pet is lost, the entire family receives a group text
Figo does not provide coverage for wellness / routine health care.
Find out which pet insurance plan is right for you and your pet and receive a free quote here
