Figo Pet Insurance provides comprehensive coverage for cats and dogs. Its team reflects a strong connection to pets, with 88% of members being pet owners.
Based in Chicago, Figo operates globally, ensuring pet owners worldwide have access to its services.
Policies are backed by Independence American Insurance Company, reinforcing their reliability and trustworthiness.
About Figo Pet Insurance
Figo Pet Insurance provides 4.5-star rated, customizable accident and illness plans, designed to meet the diverse needs of pet owners. Key benefits include a deductible reduction of $50 for each claim-free year.
The user-friendly app enables convenient management of pet health by offering 24/7 vet consultations, medical record access, claim tracking, and reminders.
Coverage Details
Figo policies cover:
- Orthopedic issues
- Hip dysplasia
- Prescription medications
- Non-routine dental care
- Cancer treatments
Note: Prescription food and sick exam fees require an upgraded plan, and supplements are not included. Accident-only coverage is unavailable.
Additional Perks:
- No upper age limit for pets
- Option for unlimited annual coverage
- Reimbursement choices, including up to 100% for eligible pets
Figo Partnered With Costco
Figo Pet Insurance Costco provides exclusive discounts for members. Coverage availability and options may vary globally depending on location, pet age, and breed.
Figo Pet Insurance quote ensures reliable support for pet owners worldwide, offering flexibility and comprehensive care tailored to cats and dogs.
Figo Pet Insurance plans offers a single, comprehensive accident and illness plan tailored for cats and dogs. Customers can choose annual coverage limits of $5,000, $10,000, or unlimited. Coverage includes:
- Orthopedic conditions, including ACL injuries
- Hip dysplasia
- Rehabilitation prescribed by licensed veterinarians
- Mobility devices
- Medically necessary surgeries for covered conditions
- Prescription medications
- Treatments by veterinary specialists
- Imaging for covered illnesses or injuries
- Non-routine dental treatments
- Behavior training and medication
- Holistic and alternative treatments
- Euthanasia
- Emergency services and hospitalization
- Laboratory and diagnostic testing
- Hereditary and congenital conditions
- Chronic conditions
- Cancer treatments
Additional Coverage – Powerups
Figo offers optional Powerups, depending on location, to extend coverage:
- Wellness Powerup:
- Annual checkups
- Vaccinations
- Spay/neuter surgery or dental cleaning
- Tests like blood work or urinalysis
- Microchipping or health certificates
- Deworming
- Veterinary Exam Fees Powerup:
- Prescription food for covered illnesses
- Veterinary exam fees
What Figo Pet Insurance Doesn’t Cover
Figo Pet Insurance has exclusions to ensure clarity on what is not included in their policies. These exclusions are as follows:
- Pre-existing conditions: Any health issues diagnosed or showing symptoms prior to the start of the policy are excluded unless the condition is completely resolved, and the pet remains symptom-free for at least 12 months.
- Experimental treatments: Procedures or therapies that have not been approved as standard veterinary treatments are not covered under the policy.
- Breeding, pregnancy, or birth-related expenses: Costs associated with planned breeding, pregnancy care, or birthing complications are not included in coverage.
- Cloning or cloned pets: Insurance does not extend to cloning processes or medical needs of cloned animals.
- Cosmetic surgeries: Elective procedures that are not medically necessary, such as ear cropping or tail docking, are not covered.
- Parasitic issues: Most issues caused by parasites, such as flea infestations and tick-borne diseases, are excluded from coverage unless otherwise specified.
Figo Pet Insurance Plan Options
Figo Pet Insurance provides flexible plans designed to meet the needs of pet owners worldwide. These options ensure customized coverage for both cats and dogs.
- Deductibles: Annual deductibles range between $100 and $1,500, depending on the chosen plan. Figo begins reimbursing eligible veterinary bills once the deductible is met.
- Reimbursement Levels: Pet owners can select reimbursement rates of 70%, 80%, 90%, or 100%. Figo calculates reimbursements based on the chosen percentage of the vet bill, then subtracts the deductible. For instance, an $1,000 vet bill with 80% reimbursement and a $100 deductible would result in a $700 reimbursement, leaving $300 out-of-pocket.
- Coverage Limits: Annual coverage limits include $5,000, $10,000, or an unlimited option, allowing flexibility for various needs.
Figo Pet Insurance Sample Rates
Figo Insurance offers flexible rates influenced by location, coverage limits, pet breed, and age.
Below are sample monthly premiums for accident and illness policies based on a $250 deductible, $5,000 annual coverage, and 80% reimbursement, using data for pets in Katy, Texas. Rates vary for pet owners worldwide.
Dogs (Age 2 vs. Age 8):
- French Bulldog: $49 / $131
- German Shepherd: $34 / $90
- Golden Retriever: $31 / $83
- Labrador Retriever: $34 / $92
- Medium Mixed-Breed: $25 / $68
- Poodle: $26 / $69
Cats (Age 2 vs. Age 8):
- Devon Rex: $11 / $28
- Exotic Longhair: $11 / $28
- Maine Coon: $11 / $26
- Mixed-Breed Cat: $10 / $24
- Persian: $11 / $26
- Ragdoll: $11 / $26
How to Buy Pet Insurance from Figo
Getting pet insurance through Figo Pet Insurance is straightforward. Follow these steps to ensure your pet is covered:
- Visit the Figo Website: Go to Figo’s website to browse plans and get a personalized quote.
- Provide Your Pet’s Information: Enter your pet’s age, breed, and medical history.
- Select a Plan: Choose a coverage level that suits your pet’s needs and fits your budget.
- Complete Enrollment: Fill out the necessary forms and finalize your policy purchase.
- Download the Figo Pet Cloud App: Use the app to manage your policy, file claims, and access 24/7 vet support.
- Activate Your Coverage: Once your enrollment is complete, coverage begins, allowing you to submit claims as needed.
Steps for Getting a Quote and Purchasing Online
Getting a quote and purchasing pet insurance from Figo is quick and straightforward:
- Visit the Figo website and click the “Get a Quote” button.
- Enter your pet’s name, age, breed, ZIP code, and your email.
- Select your preferred annual limit, reimbursement level, and deductible.
- Add optional coverages if desired.
- Review the quote and complete your purchase.
All policy documents will be accessible through the Figo Pet Cloud app for easy reference and claim management. Figo ensures pet owners have a simple and reliable process to secure their pet’s well-being.
Conclusion
Figo Pet Insurance stands out as a reliable choice for pet owners, offering customizable plans, comprehensive coverage, and user-friendly tools to manage policies and claims.
With global accessibility and a commitment to pet care, Figo ensures every pet owner can find the right support for their furry companions, backed by flexibility and transparency.
