Figo Insurance Review

Introducing Figo: pet insurance for the modern pet parent. Figo is a high-tech and well-rounded provider that goes above and beyond for their customers. They feature comprehensive policies, affordable pricing, and impressive perks, all bundled together into plans that help reduce your stress and financial obligations every time your pet is sick or injured. With a strong focus on ensuring you enjoy total peace of mind, Figo’s three unique plan options can be customized to suit your preferences and will empower you to make care-based decisions without fear of breaking the bank.

Underwritten by Independence American Insurance Company (IAIC), Figo offers financially secure plans that you can depend on, and they will help you receive top-notch care each time you are faced with an unexpected vet visit. Figo allows you to take your pet to any licensed vet in the world, so you will never have to worry about network limitations or restrictions. Claims are processed quickly, and their reimbursement process is fully digital to ensure it is simple and straightforward, with no delays, endless paperwork, or complicated rules. 

Customers love that Figo offers more benefits for less money, and that their policies can be tailored to suit both your budget and your needs. Featuring up to 100% in reimbursement and a number of add-ons to suit your preferences, your Figo policy will always be there to help you give your pet the best care possible and secure a happy and healthy future for your cat or dog.

Figo has designed their plans to be as straightforward and simple as possible, with fewer exclusions and a detailed list of inclusions. There are no upper age limits for your cat or dog, and as long as your pet is 8 weeks or older, you are welcome to enroll in a Figo insurance policy. Most diagnostics and treatments are covered by your Figo insurance policy, with restrictions mainly centering around pre-existing conditions, elective surgeries, and breeding. 

For specific examples of what may be covered by your Figo insurance policy, it could include

What’s Not Covered

To help you stay within budget while still enjoying all of the perks and benefits that exist, Figo has designed customizable policies that allow you to select the reimbursement percentage, deductible, and annual limit that best suits your needs. During enrollment, you can play around with each of these options to see how they impact the total cost, so there are no surprises when it comes to monthly premiums. 

In terms of the three plan options, these are broken down based on annual limits. Your annual limit will cap how much you can claim in reimbursements per year, with all vet bills that exceed this cap becoming your full responsibility. The most popular option is the Preferred Plan which has a $10k limit, but you can also choose the Essential Plan at $5k or the Ultimate Plan with its unlimited benefits.

Once you have settled on the specific plan for you, the next step will be selecting your annual deductible. Ranging from $100 up to $750, this will be the out-of-pocket amount that you must spend every year before your insurance benefits will kick in. Higher deductibles can mean extra savings on your monthly premiums, but it does mean larger up-front costs year after year. Which amount you opt for is completely up to you, and many pet owners find that $250 strikes that perfect balance between short-term and long-term savings.

The final option available to you is the reimbursement percentage. Figo is one of only a few providers who offer 100% reimbursement to eligible pet parents, meaning you would have no co-pay amount to worry about. This option, however, does increase monthly premiums so if you are looking to save money you do have the ability to choose a percentage between 70% and 100%. Since the reimbursement percentage will directly impact your out-of-pocket costs each visit, it is important that you weigh out the financial aspects and select the option that will ensure you are able to access high-quality care when your pet needs it.

Reimbursement through Figo is quick and easy, with everything handled through their handy app. All claims are uploaded directly via your phone or computer and are then processed and paid out within as few business days as possible. The Figo app will also allow you to track your claim from start to finish, and if anything extra is required you will be notified immediately. 

Unlike some other providers, Figo doesn’t require you to obtain pre-authorization before visiting a vet and you are free to use any licensed vet in the world. So long as your visit meets the eligibility requirements laid out in your policy, you will be able to submit your claim and be reimbursed for eligible costs minus your annual deductible and pre-selected copay percentage. Once approved, claims are directly deposited into your bank account, so you aren’t stuck waiting around for a check to be mailed out. 

How much your monthly premiums are through Figo will depend on a number of factors. Where you live, how old your pet is, the size and breed, and what type of policy you selected will all impact the overall cost. Thankfully, Figo does offer well-rounded policies at affordable prices and they encourage you to customize your plan so that it meets both your needs and your budget. 

If you are curious about how much your monthly cost would be to enroll with Figo, you can always visit their website and take advantage of their free quote offer. Quick and easy, all you need to do is answer a few short questions about your pet and Figo will show you the total cost of your monthly premiums based on those answers. During the free quote process, you can also play around with the annual limits, reimbursement percentages, and deductible amounts to see how they impact cost. 

Getting started with Figo is simple and it begins with a free quote. Available on their website, Figo generously offers any interested individuals the opportunity to discover their perfect policy without any commitment or obligations attached. All you have to do is answer a few questions about your pet and customize your policy until you hit that sweet spot between comprehensive coverage and affordability. Once you have a plan you are satisfied with, you can then check out and enjoy future coverage for the entirety of your pet’s lifetime.

Figo does not require any post-enrollment exams to be conducted so long as you are able to provide medical records that highlight an annual exam that occurred in the 12 months prior to enrollment. If you are unable to provide that, you will need to visit your vet to have this conducted in order to generate a baseline of any pre-existing conditions. 

Policies go into effect the day following your enrollment, although there are waiting periods that you must adhere to before filing your first claim. Waiting periods vary from state to state, and all of this information can be found in your detailed policy that you will receive post-enrollment. 

Figo has become well-known for their tech-centric approach to pet insurance and they are one of the only providers that offers such a wide range of added perks via their virtual app. Connecting you with people, places, and all things pet, Figo’s Pet Cloud allows you to set reminders, discover dog-friendly parks or restaurants, and speak with a live vet 24/7. This, coupled with their well-rounded policies and budget-friendly pricing is why so many pet parents turn to Figo for their pet insurance needs.   

In addition to their impressive app, Figo also offers pet parents extra benefits in the form of their add-ons. You can power up your policy with a selection of add-ons which can do things such as:

Figo also offers wellness coverage that can be added on to any eligible policy and will provide additional reimbursement for vet visits related to:

Figo is one of the top providers of pet insurance in the USA and is a name that Americans’s trust. With well-rounded policies at affordable prices, Figo gives you the ultimate peace of mind knowing that no matter what happens, they have your back. Stop worrying about the financial side of vet care, and instead focus on ensuring your pet gets the best treatment possible so they can enjoy a long and healthy life. 

To learn more about Figo, or to take advantage of their free quote offer, you can visit their website directly. There you will find a detailed breakdown of what their plans cover, and you can see exactly how much your expected monthly premiums would be. Modern, easy, and straightforward, Figo is a great choice for anyone looking to protect their pet, and their wallet, for years to come.