Pets are more than just animals; they are cherished members of our families. As a pet owner, you want to ensure that your furry friend receives the best care possible, especially when it comes to their health. With the rising costs of veterinary care, having a reliable pet insurance plan is crucial. Figo Pet Insurance has emerged as a popular choice among pet owners, offering comprehensive coverage and a range of benefits designed to protect your pet’s health without breaking the bank.
What is Figo Pet Insurance?
Figo Pet Insurance is a modern, technology-driven pet insurance company that provides coverage for dogs and cats. Founded in 2013, Figo has quickly gained a reputation for its user-friendly approach, offering flexible insurance plans and an easy-to-use mobile app that allows pet owners to manage their policies and claims with ease. Figo’s mission is to make pet insurance simple, accessible, and efficient for all pet owners.
Key Features of Figo Pet Insurance
When considering pet insurance, it’s essential to understand what sets a company apart. Figo Pet Insurance offers several key features that make it an attractive option:
Comprehensive Coverage Options
Figo Pet Insurance provides three tiers of coverage: Essential, Preferred, and Ultimate. Each plan is designed to meet different needs and budgets, covering a range of medical expenses from routine care to emergency treatments.
- Essential Plan: Covers up to $5,000 per year in veterinary bills, including accidents, illnesses, and surgeries.
- Preferred Plan: Offers coverage up to $10,000 per year, adding benefits like prescription medications and rehabilitation.
- Ultimate Plan: Provides unlimited annual coverage, ensuring your pet is protected no matter the cost of treatment.
| Plan | Annual Coverage | Included Benefits |
| Essential | Up to $5,000 | Accidents, illnesses, surgeries |
| Preferred | Up to $10,000 | Accidents, illnesses, surgeries, prescription medications, rehabilitation |
| Ultimate | Unlimited | All of the above with no annual limit |
Customizable Plans
Figo allows pet owners to customize their plans by selecting different deductibles and reimbursement levels. You can choose from deductibles ranging from $100 to $750 and reimbursement rates of 70%, 80%, 90%, or even 100% of the vet bill. This flexibility ensures that you can tailor your policy to fit your budget and your pet’s specific needs.
Fast and Easy Claims Process
One of the standout features of Figo Pet Insurance is its quick and straightforward claims process. Through the Figo Pet Cloud app, you can submit a claim within minutes. Simply upload a photo of the vet bill, and Figo’s team will handle the rest. Most claims are processed within a week, ensuring that you’re reimbursed quickly.
24/7 Pet Cloud Access
The Figo Pet Cloud is more than just a claims tool. It’s a comprehensive platform that allows you to manage all aspects of your pet’s health. You can store medical records, track vaccinations, and even chat with a live vet anytime through the app. The Pet Cloud also includes a GPS locator feature, which can help you find your pet if they go missing.
No Lifetime Limits
Unlike some other pet insurance providers, Figo does not impose lifetime limits on coverage. This means that even if your pet develops a chronic condition, they will be covered for the rest of their life, as long as you maintain your policy.
Coverage for Hereditary and Congenital Conditions
Figo Pet Insurance covers hereditary and congenital conditions, which can be a significant concern for pet owners. These conditions, which are often inherited, can be costly to treat. Figo’s plans ensure that your pet is covered, even for conditions that may arise due to their breed.
Multiple Pet Discounts
If you have more than one pet, Figo offers a multi-pet discount. This can make insuring all of your pets more affordable, with savings of up to 10% on each additional pet.
Why Choose Figo Pet Insurance?
With so many pet insurance companies on the market, you might wonder why Figo stands out. Here are some compelling reasons to consider Figo for your pet’s insurance needs:
Award-Winning Customer Service
Figo has been recognized for its excellent customer service, winning the 2018 Stevie Award for Customer Service. The company prides itself on being responsive, helpful, and dedicated to making the insurance process as smooth as possible for pet owners.
Technological Innovation
Figo’s use of technology sets it apart from traditional pet insurance companies. The Pet Cloud app is a game-changer, offering convenience and peace of mind for tech-savvy pet owners. The app’s features, like the 24/7 live vet chat and GPS locator, make it more than just an insurance tool – it’s a comprehensive pet care solution.
Transparent Pricing
Figo is committed to transparency in its pricing. There are no hidden fees, and you can easily see what’s covered and what’s not before you purchase a plan. This transparency helps you make an informed decision and ensures there are no surprises when it comes time to file a claim.
Broad Network of Vets
With Figo, you’re not limited to a specific network of veterinarians. You can visit any licensed vet, specialist, or emergency clinic in the United States, Puerto Rico, or Canada. This flexibility is crucial in ensuring that your pet gets the best care possible, regardless of location.
What Does Figo Pet Insurance Cover?
Understanding what is and isn’t covered by a pet insurance policy is crucial. Figo Pet Insurance provides extensive coverage for a wide range of medical issues, ensuring your pet is protected from the unexpected.
Accident and Illness Coverage
Figo covers treatment costs for accidents and illnesses, including diagnostic tests, surgeries, hospitalization, and prescription medications. Whether your pet breaks a bone or falls ill, Figo’s plans are designed to help cover the costs.
Emergency and Specialty Care
If your pet requires emergency care or needs to see a specialist, Figo’s coverage extends to these services. This includes visits to emergency veterinary clinics and specialized care for conditions like cancer or orthopedic issues.
Chronic Conditions
For pets with chronic conditions, Figo provides ongoing coverage as long as your policy is active. This includes treatment for conditions like diabetes, arthritis, and allergies.
Hereditary and Congenital Conditions
Figo covers hereditary and congenital conditions, which are often excluded by other insurance providers. This is particularly beneficial for pet owners of breeds that are prone to certain genetic conditions.
Alternative Therapies
Figo also covers alternative therapies such as acupuncture, chiropractic care, and hydrotherapy, which can be essential for pets recovering from injuries or dealing with chronic pain.
Prescription Medications
Medications prescribed by your vet are covered under Figo’s plans. This includes everything from antibiotics to ongoing medications for chronic conditions.
Behavioral Therapies
For pets with behavioral issues, Figo offers coverage for therapies prescribed by a vet. This can include treatment for anxiety, aggression, or other behavioral problems.
What Isn’t Covered by Figo Pet Insurance?
While Figo Pet Insurance offers comprehensive coverage, there are some exclusions that pet owners should be aware of:
- Pre-existing conditions: Like most pet insurance companies, Figo does not cover pre-existing conditions. These are medical issues that your pet showed symptoms of or was diagnosed with before the start of your policy.
- Routine and wellness care: Figo’s standard plans do not cover routine care such as vaccinations, flea and tick prevention, or dental cleanings. However, Figo offers a separate wellness plan that can be added to cover these costs.
- Breeding and pregnancy: Costs associated with breeding, pregnancy, or giving birth are not covered by Figo.
- Cosmetic procedures: Elective and cosmetic procedures, such as tail docking or ear cropping, are not covered.
How to Enroll in Figo Pet Insurance
Enrolling in Figo Pet Insurance is a straightforward process that can be completed online or through the Pet Cloud app. Here’s how to get started:
Get a Quote
Visit Figo’s website or download the Pet Cloud app to get a personalized quote. You’ll need to provide some basic information about your pet, including their age, breed, and location. Figo will then offer you a selection of plans with different coverage options.
Choose Your Plan
Select the plan that best suits your needs and budget. You can customize your deductible and reimbursement levels to ensure the plan fits your financial situation.
Review the Policy
Before purchasing, carefully review the policy details, including what’s covered and what’s not. Make sure you understand the exclusions and limitations to avoid any surprises later on.
Enroll and Start Coverage
Once you’ve chosen a plan, complete the enrollment process and start your coverage. Keep in mind that there may be a waiting period before certain coverages begin, so it’s a good idea to enroll as soon as possible to ensure your pet is protected.
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Figo Pet Insurance offers a comprehensive and flexible solution for pet owners who want to ensure their pets receive the best possible care. With its customizable plans, user-friendly technology, and extensive coverage options, Figo is well-suited for those who want peace of mind when it comes to their pet’s health. However, as with any insurance decision, it’s essential to carefully consider your pet’s needs, your budget, and the specific coverage details before enrolling.
For many pet owners, Figo’s combination of modern convenience and robust coverage makes it an excellent choice. Whether you’re looking to protect your pet from unexpected medical expenses or ensure they have access to specialized care, Figo Pet Insurance could be the perfect fit for you and your furry friend.
