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Figo Pet Insurance Review

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Figo Pet Insurance Review
Figo is was founded in 2013 in Chicago, IL, as a startup in Google's Tech Hub Network 1871. The founders combined their love for pets, obsession with technology, and background in insurance to build a platform that is entirely focused on making life easier for people and their pets. They are the only company to provide a “Pet Cloud” as part of their service. This functionality allows pet owners to upload medical histories, and pet profiles for each of their pets. This information can be critical in instances where life-saving medical treatment is needed away from your home veterinarian. It is easily accessed from any computer or mobile device.

They are also the only provider to wave deductibles and co-pays for emergency, life-saving procedures.

Figo has fully embraced utilizing technology in their day to day operations. In addition to their “Pet Cloud” they also offer a mobile app, next generation pet tags (see more on this below), online pet profiles and record management, as well as customer support via text, chat, twitter and other platforms.

Figo is an excellent choice for those pet owners who love using technology and are looking for affordable comprehensive coverage with top-notch customer service.



PROS:
  • 100% Reimbursement Option (no copay)
  • Generous Annual Limits
  • Unlimited Annual Limit Option
  • Deductible & co-pay waved for life-saving procedures
  • Multiple Discounts available
  • Cloud storage for Pet's Medical Records/History
  • Exam Fees Covered
  • No Upper Age Limits
CONS:
  • No Wellness Option or Addon
  • No Dental Addon or Dental Illness Coverage
  • No Coverage for Spay/Neuter



Figo will reimburse up to 100% of your actual vet bill with unlimited coverage and no limits on claim payouts. They will also wave all deductables and co-pays when life saving measures are needed.


Figo will reimburse up to 100% of your actual vet bill with unlimited coverage and no limits on claim payouts. They will also wave all deductables and co-pays when life saving measures are needed.

Plans/Pricing: (Rating: 10/10)

Figo offers three different plans, with their Essential Plan providing for a $10K annual limit, their Preferred Plan offering a $14K annual limit and finally their Ultimate Plan, which is an unlimited annual limit plan. Each plan offers different deductibles ranging from $50 to $500, and four different reimbursement levels – 70%, 80%, 90% and 100%.

Figo also offers a 30 day Money Back Guarantee, so you can sign up and as long as you don't file a claim you can get your money back if you aren't happy with what you see.

You can not beat Figo on plan configuration flexibility – allowing customers to pick the exact right coverage they feel they need for their particular pet, while providing very generous annual limits even on their lowest level of $10K and including an unlimited limit as well. They are one of only a few pet insurance providers to give the option of 100% reimbursement for those looking for this option, while also offer a low $50 annual deductible.

Overall we found the pricing on the sample quotes we did to be right in line with their competitors and very affordable.

They offer multiple ways to save on your plan with discounts for active duty or veteran military members, medical service dog discounts, Veterinary Clinic Staff and Students Discount, multiple pet discounts, a discount for paying your premium annually, and more!

Below is our sample quote for a 2 year medium mixed breed dog from Minnesota. You can see the flexibility you are given in pricing a plan specific to your needs.

Figo Sample Dog Quote

2 year old medium mixed breed dog from Minnesota (click for larger image)

Below is our sample quote for a 2 year old domestic short-haired cat from Minnesota.

Figo Cat Sample Quote

2 year old domestic short-haired cat from Minnesota (click for larger image)

Waiting Period: (Rating: 9/10)

Figo's waiting periods are 14 days for illness and 5 days for accidents. However both of these can be waived if you use a partner Veterinary, Shelter or Humane Society code when purchasing the policy, and your pet receives a wellness exam within 48 hours prior to purchase.

There is also a 6-month waiting period for problems associated with cruciates and patellas (knees). However, if you choose to have your pet examined by a veterinarian within the first 30 days of the policy, and the medical record specifically notes that your pet does not have any pre-existing conditions relating to its knees, the 6-month exclusion will be wiaved.

They also mention that they will review pre-existing conditions on a case by case basis, and may waive a pre-existing condition if they deem the condition was curable and it has not shown signs or symptoms in the prior 12 months.

Availability: (Rating: 9/10)

Figo is available in all 50 states, Canada and Puerto Rico.

Exclusions: (Rating: 9/10)

Figo does have quite a few exclusions. However most of the exclusion listed by Figo are also exclusions for most other pet insurance providers, other than preventative care, Supplements, and Obedience – however with most other providers these all would be add-ons for the most part anyway.

As of the writing of this review these are the exclusions we found:

Pre-existing Conditions (see our note under waiting periods) Breeding, Pregnancy, or Giving Birth – however, they may provide coverage due to complications that arise after the waiting period.
Routine or Preventative Care Eating Disorders
Pets less than 6 weeks old Inhumane Treatments
Cosmetic Surgery Neglect or Abuse
Elective Surgeries Racing, Coursing or Organized Fighting
Supplements Experimental Procedures
Obedience or Training Classes and Devices Cloned Pets or Cloning Procedures
Grooming Chemical, Biological or Nuclear…bad events
Failure to Adhere to Veterinarian’s Preventative & Treatment Advice War, Invasion, Revolt or Quarantine

Claims/Deductibles: (Rating: 10/10)

Figo offers four deductibles of $50, $100, $200, and $500. They offer four reimbursement levels as well – 70%, 80%, 80% and 100%. They are one of only a few that offer a 100% reimbursement rate.

There is no wellness exam required before enrollment.

Claims can be submitted online, over the phone, via fax or email, or by mail. All claims will be processed within 30 day but their goal is between 7 and 10 days. All reimbursements are made by check or ACH via the Pet Cloud to you, not your veterinarian.

Payouts/Limits: (Rating: 10/10)

Figo offers very generous payout(annual) limits of $10,000, $14,000 and also an unlimited payout option for those who expect large veterinarian bills. Even on the low end of $10k, these payout limits are generous and will fit most pet owners needs.

Extras: (Rating: 9/10)

This is an area of good news, bad news for Figo. While they do not offer much in the way of additional add-on options such as Dental, Wellness, Pregnancy and Obedience they do offer included extras (no extra cost) that other providers do not offer. We felt that the technological benefits outweighed the lack of benefit addon policies available. For tech-savvy pet owners Figo's Pet Cloud has tons of features that will truly delight you and take the “hassle” out of dealing with insurance!

The extras you get with Figo include their Pet Cloud where you can store just about everything there is to know about your pet, along with his/her medical records, address if lost, etc. It is also where you submit all claims, check claim status, and see payments issued. You get an email address specific to your pet cloud, which you can then send anything you want to keep in your Pet Cloud account to – even have your veterinarian send bills, reminders, shot records, etc. to this email address and you can then store all that information in one easy place.

Figo also offers an enhanced pet ID tag to all covered pets. This ID tag has a unique id # imprinted on the tag along with instructions to go to FIGO's website if you find a lost pet. All the person who has found your lost pet has to do is enter the Id number, and send a text to the owner write from the website.

Watch the video below to get more information about all the features the Pet Cloud from Figo has to offer. We were very impressed with the level of technology and features that are available with every policy.

Ease of Enrollment: (Rating: 9/10)

Enrollment with Figo is extremely easy and can be done online or over the phone. All that is required online is to enter basic information about your pet(s), get a quote, and then enter billing and payment information. There is a onetime processing fee of $9.

Figo's goal is to make insuring your pet as easy and hassle free as possible.

Customer Service: (Rating: 9/10)

Figo can be reached via phone at 844-493-4130 or by text, email or live chat(for enrolled customers only).
Figo's main business hours are Monday through Friday, 8:00am-7:00pm CST; Saturday, 10:00am-3:00pm CST


Pricing and Details

Pricing
Pricing depends on breed, age, size, and the deductible, annual limit, and reimbursement level you choose – as well as any discounts you qualify for.

  • Prices for Dogs will average in the range of $19.13 – $22.79 for small dogs, $21.04 – $25.07 for medium dogs, and $22.95 – $27.35 for large dogs. (based on our sample quote and the criteria listed below)
  • Prices for Cats will average from $11.34 – $12.18. (based on our sample quote and the criteria listed below)

Multiple discounts are available

*Sample costs based on a 2 year old medium mixed breed dog or domestic short-hair cat from Minnesota with a $200 per annual deductible, 80% reimbursement level, and $10,000 annual limit.

Contract Type
You can select from Monthly or Annual contracts. If you select the Annual option you will get a 5% discount on top of any other discounts you qualify for.

Enrollment Age
Figo insures cats and dogs from 6 weeks on up. They have no maximum enrollment age – however the older your pet, the higher the premiums may be and the more pre-existing conditions that may be excluded.

Wellness
Figo does not offer wellness coverage. They feel that pet owners are better off financially if they invest in an inclusive accident and illness policy while managing their pet’s proactive healthcare out of pocket.

Accident/Injury
Figo's comprehensive plans cover both Illness and Accidents.

Deductible
Deductibles available are $50, $100, $200 or $500.

Claims
Figo will not increase premiums based on filing claims.

Limits
Annual limits of $10,000 or $14,000 are available, as well as an unlimited annual option.

Special Coverage
Figo will cover things such as prescriptions, veterinary specialists, congenital and hereditary conditions, holistic and alternative therapies, Prosthetics & Orthopedics, Cancer treatments, and Hip Dysplasia.



Specification

Pricing and Claim Info

Price Range for Dogs: $21.04 - $25.07

Pricing Rage for Cats: $11.34 - $12.18

Pricing Based on: 2 year old female mixed breed (medium dog or domestic short-hair cat) from Minnesota with $200 deductable, 80% reimbursement and $10,000 annual limit

Multiple Pet Discount: 10%

Money Back Guarantee: 30 Days

Type of Deductable: Annual

Reimbursement Based on: : Actual Veterinary Charges

Online Claim Submittal & Processing

Enrollment Age Minimum: 6 Weeks

Enrollment Age Maximum: None

Effective Date: 12:01am (EST) the day after enrollment

Waiting Period - Illness: 14 Days

Waiting Period - Accidents: 5 Days

Waiting Period - Heredity/Congenital/Other Conditions: 14 Days

NO Pre Coverage Exam Required

Coverage: Both In-State & Out of State, Plus Canada and Puerto Rico

Claims Cause Policy Increase?: No

Contract Type

Monthly

Annually

Help and Support

Phone

Live Chat

Email

Benefits/Statements Online

Annual Deductables

$50

$100

$200

$500

Per Incident Deductibles

None

Reimbursement Levels

70%

80%

90%

100%

Per Incidence Limits

No Limits

Annual Claim Limits

$10,000

$14,000

No Limits

LifeTime Claims Limits

no limits

Covered Animals

Dogs

Cats

Coverage

Spay/Neuter: No

Exam Fees: Yes

Accidents/Injury

Illness

Congenital Conditions: Yes

Wellness Coverage: No help

Dental: No

Pregnancy: no, but complications as a result of pregnancy are

Special Coverage: Yes help

Prescription Drug Coverage: Yes

Alternative Therapies: Yes

Behavioral Issues

Prescription Food & Supplements: No


Who is This Insurance Plan Ideal For?

We feel that Figo is an excellent choice for any dog or cat owner that is looking for comprehensive illness and accident coverage, while paying for wellness and routine visits out of pocket. Tech savvy pet parents will be particularly happy with Figo.


What We Like

Figo's Pet Cloud
If you watched the video above (and if you haven't, you really should), you will see why we can't say enough about this feature. If you've ever had an emergency vet visit and had to deal with a veterinarian who is not your normal vet, you know how important it can be for the emergency vet to have easy access to your cat or dog's full medical history. It can literally be life-saving for your pet. On top of that, Figo's pet cloud allows you to keep a record of vet bills, claims, immunizations and more all in one place, as well as easily file and track your claims.

Generous Limits with Unlimited Option
Figo's lower annual limit of $10,000 is far better than most other pet insurance providers who may start at an annual limit of $2,000 or $5,000. Combine Figo's generous low end limit with the optional unlimited annual plan and you have coverage available for most any pet owner.

100% Reimbursement Option
Figo offers the option of a 100% reimbursement plan. This means that 100% of your actual veterinary bills will be reimbursed – no copay! They are the only provider in our list of pet insurers to offer this!

Co-pay and Deductible Waved in Cases of Life Saving Measures
Figo's love of animals comes shining through here – they wave all co-pays and deductibles in the instances where life-saving measures are needed. So for example your dog is hit by a car and he needs emergency surgery to save his life – you will not be worried about having to meet a deductible or deal with a potentially expensive co-pay, because Figo will wave both! Again no other pet insurer does this! Kudo's Figo!

No Upper Age Limit
Figo does not have any upper age restrictions for new customers. May insurers will put an upper limit on which cats and dogs they are willing to insure. Owners of older pets (such as myself) will find this especially appealing.

Id Tags That Allow for Easy Owner Notification of Lost Pets
Figo provides id tags that easily allow people who find a lost pet with the tag to easily locate and notify the owner of the of that pet.

Multiple Discounts Available
Figo offers multiple ways to save with various discounts that are available. They offer one of the longest lists of potential discounts we've seen. These discounts can vary by state but generally include the following:

  • Animal shelter / humane society
  • Corporate group benefit plan
  • Internet partner
  • Medical services pet
  • Multiple pet
  • Strategic partner
  • Veterans & Serving Military Discount
  • Veterinary Clinic Staff and Students Discount
  • Annual (Full) Premium Payment Discount

What We Don't Like

One Time Admin Fee of $9
Regardless if you pay monthly or annually you are charged this fee. No where do they state this until you get to the check-out page. However in all fairness, we see this fee on most pet insurance check-out pages, and suspect it is some how associated with reducing their underwriting costs.

No Wellness or Dental Addon
We understand Figo's reasoning on not offering wellness coverage, however being the parent of an older pet with dental disease issues that require frequent, expensive cleanings and extractions, we feel that offering an optional add-on for those pet owners who feel that the cost of such an add-on is worth it to them, would be a great option.

No coverage for Spay and Neuter
This isn't just a “ding” on Figo, as most pet insurers don't cover Spay and Neuter, however with the increasing over-population stress put on shelters and pounds due to people not spaying and neutering their pets, we'd love to see all pet insurers cover this! It would go a long way to stopping unnecessary litters of cats and dogs that wind up in shelters across America.


Summary

All in all we find Figo to be the best option for comprehensive accident and illness coverage for those dog and cat owners who are able and willing to pay for routine wellness exams out of pocket. We also love Figo for their willingness to wave deductibles and co-pays in cases of life saving procedures. Tech savvy pet owners will love Figo's Pet Cloud and find it to be an exceptional tool for maintaining their pets medical records, vet bills, and claims processing.

Figo will reimburse up to 100% of your actual vet bill with unlimited coverage and no limits on claim payouts. They will also wave all deductables and co-pays when life saving measures are needed.


Figo will reimburse up to 100% of your actual vet bill with unlimited coverage and no limits on claim payouts. They will also wave all deductables and co-pays when life saving measures are needed.




9.3 Total Score
Excellent coverage options with deductibles and co-pays waived for life saving measures.

Figo is an excellent choice for any dog or cat owner that is looking for comprehensive illness and accident coverage, while paying for wellness and routine visits out of pocket. Tech savvy pet parents will be particularly happy with Figo's Pet Cloud.

Plans and Pricing
10
Waiting Period
9
Availability
9
Exclusions
9
Claims/Deductibles
10
Payouts/Limits
10
Extras
9
Ease of Enrollment
9
Customer Service
9
PROS
  • 100% Reimbursement Option (no copay)
  • Generous Annual Limits
  • Unlimited Annual Limit Option
  • Deductible & co-pay waved for life-saving procedures
  • Multiple Discounts available
  • Cloud storage for Pet's Medical Records/History
  • Exam Fees Covered
  • No Upper Age Limits
CONS
  • No Wellness Option or Addon
  • No Dental Addon or Dental Illness Coverage
  • No Coverage for Spay/Neuter


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Lynn is the founder and chief editor at ReVUEzzle.com. She is responsible for strategy and business development. Her background is in software development, marketing, and project management. She loves camping, traveling, and all things soccer related. She has been married for over 30 years to one great guy and has two adult children. Lynn is also the human companion to two cats - Jynx and Spanky. She is based in Minnesota, USA.

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