Figo Pet Insurance

Figo is underwritten by Independence American Insurance, Markel American Insurance and Markel Insurance. The company provides more than just pet insurance. The Figo Pet Cloud app helps you organize your pet records, appointments, vaccinations and access to a 24/7 licensed veterinarian professional. It’s also a social app that connects you with other pet owners to find pet-friendly places, share photos and even plan playdates.

Figo Pet Insurance Benefits

Figo offers a comprehensive pet insurance plan that covers a variety of accidents and illnesses. Some of the problems covered in a policy include:

• Orthopedic conditions such as a torn anterior cruciate ligament (ACL)
• Rehabilitation
• Surgeries
• Prescription medications
• Emergency and hospitalization
• Imaging
• Chronic conditions
• Cancer
• Hereditary & congenital conditions
• Hip dysplasia

If you want coverage for wellness care and veterinary exam fees, you will have to add these coverage types to your policy.

What Figo Pet Insurance Doesn’t Cover

While Figo covers many health-related costs, some costs are not included in its policies. Some exclusions include:

• Pre-existing conditions
• Breeding pregnancy or giving birth
• Experimental procedures
• Cosmetic surgery such as tail docking
• Cloning procedures
• Supplements

Unlike other pet insurers, Figo doesn’t offer accident-only plans. Accident-only plans are limited in coverage, but cheaper than comprehensive plans.

Figo Waiting Periods for Coverage

Generally, pet insurance plans have waiting periods. A waiting period is a specific amount of time before your coverage starts picking up the tab for vet bills. For example, Figo has a one-day waiting period for accidents, which is considerably shorter than other pet insurers like Nationwide, which has a 14-day accident waiting period.

Figo has a 14-day waiting period for illnesses, which is average across the pet insurance industry. Figo also has a six-month waiting period for hip dysplasia and orthopedic conditions in dogs, such as knee injuries. However, if you get a signed waiver from a licensed vet, it’s possible Figo will waive the extended waiting period.

Figo Pet Insurance Add-Ons

When buying a Figo pet insurance policy, you have the option to add several coverage types at an additional cost. Here are some to consider:

Powerup: Wellness

Figo offers wellness coverage as an add-on to your accident and illness plan. Wellness plans provide coverage for vet expenses such as:

• Wellness exams
• Vaccinations
• Bloodwork
• Spaying or neutering
• Heartworm prevention

Powerup: Extra Care Pack

This optional coverage provides reimbursement for expenses such as:

• Cremation or burial expenses up to $250
• Vacation cancellation coverage due to pet emergency
• Boarding fees
• Advertising and rewards for lost pets
• Liability coverage for property damages (up to $10,000 and may be subject to different deducible)

Powerup: Veterinary Exam Fees

You can add this benefit to cover the cost of exam and consultation fees of a new injury or illness.

Figo Pet Insurance Coverage Levels

Maximum annual limit options: The total amount your pet insurer will reimburse you for health-related expenses (in a given year) is the coverage limit. Figo gives pet owners three options:

• $5,000
• $10,000
• Unlimited

Deductible options: You must pay a set amount before your coverage begins to pick up your pet’s health-related expenses, which is the deductible. Figo offers several different deductible options, including:

Pets age five and under:

• $100
• $250
• $500
• $750

Pets between the ages of six and nine:

• $250
• $500
• $750
• $1,000

Pets age 10 and older:

• $500
• $750
• $1,000
• $1,500

Reimbursement options: Pet insurers typically pay a percentage of your pet’s vet bills, which is the reimbursement level. Figo offers reimbursement levels of:

• 70%
• 80%
• 90%
• 100%