Is Figo Pet Insurance Right for You? Key Features and Benefits

If you’re a pet owner, you’ve likely considered the benefits of insurance to cover potential emergencies and health needs for your furry friend.

Figo Pet Insurance offers flexible plans to suit various needs, with quick reimbursement options and additional benefits. This article provides a detailed look at how Figo works and whether it’s the right choice for your pet.

Coverage and Reimbursement Options

Figo Pet Insurance offers flexible reimbursement options that can cover up to 100% of eligible veterinary expenses, depending on the plan you choose.

This flexibility is ideal for pet owners seeking comprehensive coverage or a more budget-friendly option with partial reimbursements, making it easier to find the right level of protection for your pet.

How to Choose the Best Coverage Level

1. Assess Your Pet’s Health Profile: For younger animals with no history of illness, a lower coverage plan might be sufficient. Older pets or those prone to chronic conditions may benefit from more extensive coverage.
2. Consider Your Budget: Figo allows you to adjust the reimbursement level and deductible, meaning you can tailor the plan to your financial comfort.
3. Select Among Three Coverage Levels:
   • Essential: Annual coverage limit up to $5,000.
   • Preferred: Annual coverage limit up to $10,000.
   • Ultimate: Unlimited annual coverage.

This flexibility in reimbursement and coverage options allows you to adapt the policy to your specific needs.

Claim Processing Time

A standout feature of Figo Pet Insurance is its swift claim processing, which is consistently praised by users. After submitting a claim, most cases are reviewed and reimbursed within just three business days.

This fast turnaround is particularly valuable in medical emergencies, where quick reimbursement can alleviate financial pressure and let you focus on your pet’s recovery.

Step-by-Step Guide to Submitting a Claim with Figo

1. Access the Figo My Pet Cloud App: Open the app to start a claim quickly and conveniently from anywhere.
2. Upload Essential Documentation: Attach all relevant documents, like invoices and diagnostic reports, that verify the veterinary visit and treatment details.
3. Wait for the Review: The Figo team will review your claim, and you’ll be notified once the reimbursement is processed.

This simplified process provides pet owners with a smoother and more convenient experience.

Curable Pre-existing Conditions

Unlike some other pet insurance options, Figo provides coverage for pre-existing conditions classified as “curable.”

This means that if your pet experienced a condition in the past, received treatment, and has been symptom-free for a specified period, Figo may cover new treatments if that condition recurs.

How Coverage for Pre-existing Conditions Works

• Curable Conditions: If a condition is deemed curable and your pet has been symptom-free for at least 12 months, it can be covered.
• Incurable Conditions: Like most insurance plans, chronic and incurable conditions are not covered.

This policy is beneficial for those who adopt pets with health histories and want to ensure coverage in case of potential relapses​.

Live Vet Consultations

One unique feature Figo offers is 24/7 live vet consultations through the app. This service is convenient for immediate health concerns and is particularly useful in emergency situations or when you’re uncertain about the severity of a symptom.

Benefits of Live Vet Consultations

1. Quick Responses for Minor Emergencies: Ideal for situations like ingestion of foreign objects or minor discomfort.
2. Specialized Advice: You can get a professional opinion on symptoms, helping you decide whether to seek immediate vet care.
3. Convenience: Consultations are available at any time, directly from your smartphone.

This service saves time and money for pet owners by providing an initial assessment for problems that, in some cases, may be resolved with simple recommendations.

Additional Wellness Plans

For those seeking more than basic coverage, Figo offers wellness plans that cover preventative care. These plans include annual exams, vaccines, flea treatments, and other routine care.

Benefits of Figo’s Wellness Plans

• Exams and Vaccines Coverage: Includes annual check-ups and vaccinations, essential for maintaining your pet’s health.
• Parasite Control: Covers treatments for fleas, ticks, and other parasites.
• Microchipping and Preventive Tests: This is an important benefit for owners looking to comprehensively protect their pets.

These additional plans help ensure that your pet receives necessary preventative care without extra out-of-pocket expenses​.

Figo My Pet Cloud App

The Figo My Pet Cloud app is a powerful tool designed to simplify pet care and insurance management for Figo users.

With this app, pet owners can effortlessly track and store essential details about their pet’s health and care, making it more than just an insurance app—it’s a comprehensive pet care resource.

The My Pet Cloud app not only lets users store medical records but also enables seamless access to vital resources, making it an indispensable tool for proactive pet parents.

Main Features of the App

1. Medical Records Storage: Keep all health documents in one place.
2. Fast Claim Submissions: Submit your claims in just a few minutes.
3. Connection to Additional Resources: The app also allows access to features like Live Vet consultations.

With these features, the My Pet Cloud app makes managing your insurance easier and helps you keep a well-organized medical history for your pet.

Waiting Period Waiver for Orthopedic Conditions

For orthopedic conditions, Figo offers an option to waive the waiting period if your pet undergoes an orthopedic exam shortly after enrolling. This benefit is a great option for pet owners who want to cover specific issues immediately after signing up for the insurance.

How to Request a Waiting Period Waiver

1. Complete an Initial Orthopedic Exam: The exam should take place within the first 30 days of enrollment.
2. Submit the Results to Figo: This will remove the waiting period for orthopedic conditions.
3. Wait for Validation: Once validated, you can request immediate coverage in the event of orthopedic emergencies.

This option is particularly beneficial for pets with a predisposition to joint and bone issues, as is common in some dog breeds​.

Figo Pet Insurance combines flexibility, quick response, and various additional options to cover everything from basic to specific needs.

With up to 100% reimbursement, wellness plans, a dedicated app, and live vet consultations, it stands out as a complete option for those who want to protect their pets.

Evaluate each aspect mentioned to decide what makes sense for you and your pet’s needs. After all, ensuring your furry friend’s health also means securing more happy, worry-free moments by your side.