Pet Insurance can give you peace of mind for those times when your dog or cat is sick or gets injured. Figo offers insurance with one annual deductible (not a per condition deductible), and different plan options with regard to total annual limits, deductibles (between $50 and $500, depending on your state), and reimbursement percentage (even up to 100%). Depending on your budget, you can pay for your pet’s insurance monthly, quarterly, semi-annually or annually. Figo has been rated Best Pet Insurance by Reviews.com for 3 years in a row.
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Figo Pet Insurance Reviews
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Pets are life companions, and predictably, pet parents work round the clock to ensure their wellness and comfort. However, as with humans, healthcare often proves a realistic and inevitable responsibility. Bills for surgery may, at times, go up to seven thousand dollars, an expense that many will probably prove a tricky proposition for many. The simple answer is to buy insurance for your pet. Affordable premiums make it easier to afford proper healthcare.
Sitting in the ultra-modern 1871 facility in Chicago, Figo Pet Insurance initially started as a hub for cultivating business ideas for businesses focusing on technology. A present influenced by the passion for pets spurred a change in the existing approaches to pet insurance. It is with this idea in mind, coupled with a technological background, that saw the birth of a unique brand of cover specifically aimed at easing the life of pets and pet parents.
Technology and Convenience
Figo embraces technology in the provision of insurance services and claim processing. With straightforward plans on offer, pet parents have an easy time understanding what each category offers. A fast and straightforward mobile app contains all the necessary information regarding the three covers; Essential, Preferred, and Ultimate.
In today’s world, most people own a phone with internet access. This factor bodes well for companies that seek added convenience by employing this massively popular platform. Figo uses a cloud-based set up – the first company with such a framework – to avail vital client information such as bills, claims, and veterinary records through the company app or website. Pet parents can submit or upload applications from any device to the online portal with ease.
The conventional approach to getting insurance payments has evolved over the years. However, even with technological advancements, there are still unforeseen delays before the amounts reflect on your end. Figo’s electronic payment system provides a seamless experience with no lengthy waiting period commonly associated with the traditional postal system.
What’s on Offer?
Individual companies offer different scopes of cover, with separate lists of included diseases, ailments, or injuries. Understanding what each plan includes is crucial before committing to a healthcare partner that ends up not effectively covering your furry friend’s medical needs.
Pet parents need to understand some key terms before getting health cover for your animal. The amount you pay is ‘co-pay,’ and the insurer pays the ‘reimbursement.’ Each plan has its reimbursement options, so take time to understand the fine print. As always, when in doubt, ask and get clarification before committing financially.
The Ultimate plans on Figo’s insurance portfolio guarantee unlimited veterinary cover annually. There is a reasonably reasonable cover in the Essential program, which offers up to $10,000 each year. The Preferred plan caters for up to $14,000 in medical financing annually.
Here’s a list of the conditions included in Figo’s pet insurance policies.
- Emergency and hospitalization
- Exam and consultation fees (optional)
- Hereditary and congenital conditions
- Hip dysplasia
- Chronic conditions
- Knee conditions
- Veterinary specialists
- Cancer treatment
- Prosthetics and orthopedic care
It is essential to note that any additional coverage varies by state. When on the app or the site, enter your ZIP code and get the specific information and an accurate quote applicable to your region.
Some conditions don’t fall under Figo Pet Insurance policy covers, and here are some of them.
- Pregnancy, breeding, or giving birth
- Coprophagia, or eating poop
- Spaying and neutering
- Cosmetic procedures
- Pre-existing conditions
- Experimental procedures
- Cloning procedures or cloned pets
You may cancel your policy at any time via email. The company offers a 30-day money-back guarantee, meaning that any decision to cancel within that period translates into a full refund of your premium. The exception, however, is that there should be no existing claim filed from your end. Refunds in situations where an application is in effect, follow the various regulations depending on your state. Most states don’t allow refunds for installment or administrative fees.
Filing claims with Figo is a straightforward process that takes a short while. All that one needs to do is log into the online portal, click on the ‘Claims’ icon, and answer the questions. Once the answers are all filled in, you then attach or upload a copy of the paid invoice and click ‘Submit.’ The vet concerned then sends the company the necessary medical records for processing of the claim. That’s all.
The introduction of cloud technology in pet health insurance is an inspired move that avails the much-needed convenience for pet owners in the United States. There is an inherent complexity regarding insurance and the claim follow-up processes worldwide, and Figo can take pride in an easy-to-understand policy outline. Electronic payments and access to records ensure that all policy owners have an easy time accessing crucial information.Visit Insure Website
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