Figo Pet Insurance offers complete pet insurance coverage. The policy includes the option to select from one of three annual benefit options, Essential, Preferred, and Ultimate. You can also choose optional wellness programs to cover regular blood work and vaccinations. Figo offers a "Pet Cloud", a mobile application that allows you and your pet to manage their health. The app offers a number of features including an overview of your pet's medical history, emergency care advice, reminders, and reminders for upcoming appointments.
An online application is required to be enrolled in Figo Pet Insurance. This will require you to give your pet's name, breed and zip code. An upfront deductible is also an option, which can affect your premium. The vet's forms can help waive the deductible. Figo also offers a 30-day money-back guarantee. This means you can file a claim up to the end of the policy year and receive reimbursement.
There are no limits on the number of claims you can file, but Figo does require that you visit a licensed veterinarian and upload any medical records. The insurer will then process your claim, and most claims are settled in less than three business days.
Figo is now available in all 50 US states. Customers can select a deductible between $100 and $1,500, depending on the plan they've chosen. This deductible is reduced by $50 for every year your pet has been insured without a claim. Figo offers a 5% discount to multiple pets. It is not covered if your pet is less than eight weeks old at the time you buy a policy.
Figo also offers a GPS pet collar, which allows you to track your pet. It's ideal for pets that roam. 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 are designed to cover all major illnesses and injuries, and include emergency care, hospitalization, and specialized treatments. They also cover veterinarian exams, and non-routine dental care. You can also purchase an extra care package that includes property damage to third parties up to $10,000 for some plans.
Figo also covers hereditary diseases. 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 offers an electronic filing and tracking system, so it's easy to submit claims. Users can also access a list of recommended pet-friendly locations through the app.
The Figo Pet Cloud App is extremely popular among users. The app lets you communicate with a live veterinarian and allows you to choose from several reimbursement rates. The app is also designed to provide you with urgent care advice. You can use the app for submitting a claim to the company electronically.