Figo began its journey in Chicago in 2011 and has since made it possible to have the benefits of a pet insurance policy, which will reimburse you for as high as 100 percent of eligible expenses after you've met your deductible. The goal of Figo is to enable users to make informed decisions regarding their animals and not make cost-based decisions.
You can receive a personalized quote for your pet's needs within 60 seconds of taking a short online form. Figo provides three plans that offer protection against injuries and illness, the unlimited lifetime benefits plan and the wellness option. Plans have a single annual deductible; however, you can pay it monthly should you wish to. As a member, you'll have access to an app called Figo Pet Cloud, which helps you monitor your pet's health insurance and health requirements.
Cancellation Policy
Figo comes with a 30 days guarantee of money-back. It's possible to take a few days to determine if Figo can benefit your needs. If you decide to cancel within 30 days, you'll receive an entire fee refund if you haven't submitted an insurance claim before that date. If you decide to end your contract after 30 days, the eligibility for reimbursement will be contingent on the state where you reside. To cancel your policy, you can email [email protected]. Figo will require that you submit the cancellation in writing via email.
Plan Exclusions
The following medical concerns and procedures aren't covered in Figo:
- Pre-existing conditions
- Experimental procedures
- Pregnancy, breeding, or giving birth
- Cloned pets or procedures for cloning
- Cosmetic surgery
- Most parasites
Pre-Existing Conditions
Suppose a pet's condition can be treated and treated, and the pet hasn't required treatment or suffered from symptoms for 12 months. In that case, the condition will no longer be considered pre-existing, which means it will no longer be considered pre-existing and covered except for knee and ligament injuries.
Figo doesn't require a medical exam to join the insurance plan; however, it will ask for the annual health examination documents from a licensed veterinarian 12 months before the date of effect of the insurance policy. If you fail to supply these records, the first documented vet examination after your policy is in effect could be used to identify existing ailments.
Plan Pricing
Pet insurance costs vary due to various factors, such as the breed and age, so you'll need to request an individual quote to determine how much a policy will cost you. The size or how small you would like your deductible to be can also affect the cost of your insurance (your deductible will be the sum you have to cover out of pocket before insurance coverage begins). Deductible amounts with Figo vary from $100 to $1,500. For reimbursement, you can choose a rate between 70% and 100 percent. There is an enrollment fee if you opt to pay monthly instead of annually; you'll be charged an installment fee for each month. Discounts are also available; however, they will vary depending on the state. You could be qualified for discounts like:
- Multi-pet discount
- Discount for vet employees
- Military veteran discount
Claims
Figo claims it will close claims in only 2.6 working days, which means you can expect claims to be dealt with swiftly. It doesn't restrict claim payment according to condition, making it much easier to make the most of the benefits you receive each year. For submitting a claim, you must first visit your veterinarian (who has to be certified), after which you can upload your vet's invoice and invoice for payment that you can access on any device through The Figo Pet Cloud. The next step is to get your vet to provide Figo with your pet's medical records, after which, once they've received the documents (two years' worth of records is the ideal), you'll be fully processed. You can file claims by telephone or fax, too.
Plans Available At Figo
Figo offers three levels of annual limit: An Essential Plan with a $5,000 annual limit, a Preferred Plan with an annual limit of $10,000, and an Unlimited Plan that provides unlimited benefits coverage. Instead of a per-condition-based deductible, Figo policyholders have an annual deductible, which you must meet before receiving reimbursement for expenses covered. They cover emergency treatment and hospitalization, diagnostic tests as well as hereditary and congenital conditions, chronic illnesses, and cancer treatment.
Figo offers an optional insurance policy that covers vet exam costs relating to a covered accident injury, but some other pet insurance providers don't. Adding health insurance to your Figo plan is also possible to assist with regular blood tests and vaccinations.
Figo will not cover pre-existing conditions. These are illnesses or injuries that cause symptoms before you purchase the insurance or during a waiting time. It doesn't matter if the medical condition has been officially identified and then treated for; Figo will consider when symptoms first began. The only exception to this rule is when the disease is treatable, and your pet doesn't show any symptoms or signs in the last twelve months.
