Figo Pet Insurance Review 2022: Pros and Cons

Figo Pet Insurance coverage was based in 2013 and is predicated in Chicago. It companions with Costco, and Costco members could also be eligible for a reduction on their coverage. Insurance policies are underwritten by Independence American Insurance coverage Firm, Markel American Insurance coverage Firm or Markel Insurance coverage Firm.

For those who’re on the lookout for broad pet protection, Figo is a superb alternative. Its insurance policies provide protection for orthopedic situations, hip dysplasia, prescription medicine, non-routine dental therapy, most cancers therapies and rather more.

Figo gives a helpful app with options to assist handle your pet’s wellbeing, together with the flexibility to arrange well being reminders, chat with a veterinarian 24/7, view your pet’s medical information and file and observe claims.

Figo earned 5 stars out of 5 for general efficiency. BaghdadTime’s rankings are decided by our editorial group. The scoring formulation takes under consideration shopper expertise, protection choices and monetary energy rankings.

Figo’s accident and sickness insurance policies can be found in all 50 states and Washington, D.C., however wellness coverage availability varies by state.

Figo gives one accident and sickness plan with three annual limits to select from — $5,000, $10,000 or limitless. It gives the choice so as to add a wellness plan which covers vaccinations, spaying or neutering, bloodwork and heartworm prevention.

Pet house owners can even buy Figo’s additional care pack, which incorporates protection for:

• Cremation and burial prices.

• Misplaced pet promoting and reward.

• Trip cancellation resulting from a pet emergency.

• Pet theft and loss resulting from straying, as much as $150.

• Third-party property harm legal responsibility insurance coverage, as much as $10,000 per coverage interval (topic to a separate deductible).

Figo pet insurance coverage covers the next:

• Orthopedic situations, together with ACL.

• Rehabilitation prescribed and administered by a licensed veterinarian.

• Medically needed surgical procedures for lined accidents and diseases.

• Prescription drugs for a lined sickness or accident.

• Veterinary specialist therapies.

• Imaging for a lined sickness or harm.

• Non-routine dental therapy.

• Conduct coaching and medicine as much as $500 per 12 months.

• Holistic and various therapies.

• Emergency companies and hospitalization.

• Laboratory and diagnostic testing.

• Hereditary and congenital situations.

Elective protection is offered for:

• Prescription meals as much as $250 per 12 months.

Your Figo plan gained’t pay for the next:

• Breeding, being pregnant or giving start.

• Cloned pets or cloning procedures.

Deductibles: Annual deductibles vary from $100 to $750.

Reimbursement quantities: You may select to be reimbursed for 70%, 80%, 90% or 100% of your bills.

Protection limits: Pet house owners can select from annual protection limits of $5,000, $10,000 or limitless.

Age restrictions: Pets should be no less than 8 weeks previous to be lined.

Ready durations: A ready interval is the time between if you purchase your coverage and when protection begins. Whereas Figo’s ready durations will differ by state, there’s a 6-month orthopedic ready interval for canine.

Figo does provide reductions, however they differ by state.

Web site: The Figo web site is straightforward to navigate and gives detailed info on what insurance policies cowl, an intensive steadily requested questions part, plus the flexibility to login and entry Figo’s pet cloud, which is linked to Figo’s pet cloud app.

App: The Figo pet cloud app enables you to add and share your pet’s medical information, view coverage info, file and observe claims, obtain vital well being reminders, observe your pet with Figo’s pet tags and join with pet house owners in your space. You may as well use the app to seek out pet resorts, groomers, day cares, pet-friendly eating places and emergency pet hospitals. The app gives 24/7 entry to a veterinarian by means of its stay chat software.

Claims: You may file a declare by means of the Figo app, over the cellphone, by electronic mail or by means of fax. Claims are processed inside 30 days, and the standing might be monitored within the Figo app.

Customer support: You may name Figo’s customer support at 844-738-3446 on Monday by means of Sunday. You may as well ship contact buyer help over electronic mail, textual content, fax or use the Figo web site’s chat function.

Right here’s how Figo stacks up in opposition to three different widespread pet insurance coverage firms.

Each Figo and Wholesome Paws provide accident and sickness insurance policies with the choice to decide on a vast annual restrict and a low $100 deductible.

In contrast with Figo, Wholesome Paws pet insurance coverage gives fewer protection choices to select from. It doesn’t provide a wellness bundle, or the choice to cowl examination charges, prescription diets, habits modification or euthanasia and burial prices— all issues Figo gives protection for. Wholesome Paws additionally caps its protection on pets over the age of 14, whereas Figo has no age restrict.

Wholesome Paws’ protection for hip dysplasia is restricted to pets underneath six years previous on the time of enrollment, and it doesn’t provide 100% reimbursement like Figo does. However Wholesome Paws does give the choice to have your vet paid straight, a handy function Figo doesn’t present.

Each Figo and Trupanion pet insurance coverage provide accident and sickness plans with limitless annual limits. However Trupanion doesn’t provide wellness protection, which implies issues like parasite management, vaccinations or getting your pet spayed or neutered aren’t lined.

Trupanion doesn’t provide a 100% reimbursement choice like Figo. You may solely select to be reimbursed for 90% of bills in most states, whereas Florida pet house owners can select between 50% to 90% reimbursement.

The way in which Trupanion’s deductible works is exclusive. In contrast to Figo, which has an annual deductible that applies to all accidents or diseases in a given 12 months, Trupanion’s deductibles apply to particular person situations and don’t restart annually. Which means in case your canine wants common medicine, you’ll solely must pay the deductible for that medicine as soon as, versus as soon as per 12 months with Figo.

Trupanion gives a zero deductible choice, and pet house owners in Florida may have no deductible in any respect. The bottom deductible Figo gives is $100.

In contrast to Figo which gives a vast annual protection restrict choice, Nationwide pet insurance coverage plans all have an annual restrict of $10,000. Nationwide additionally has much less beneficiant reimbursement choices, with a 70% most reimbursement, whereas Figo has three larger protection choices, as much as 100% reimbursement for vet payments.

Figo has extra varieties of protection than Nationwide. For instance, Nationwide doesn’t present protection for getting your pet spayed or neutered, prescription meals or behavioral therapies, which Figo does.

Figo additionally gives a 24/7 stay chat with a veterinarian, which Nationwide would not.