Policy Term |
? |
Effective Date |
The Effective Date will be listed on the Declarations
Page of your policy after you apply and are accepted. |
Enrollment Age |
Pet must be 8 weeks of age. There is no upper
age limit. |
Cancellation Policy |
Ask for a current copy of their insurance policy
so that you may review their cancellation policy |
Waiting Period |
Starting from the effective date of your policy, there is a 5-day waiting period for accidents, at 14-day waiting period for illnesses. |
Waiting Period for Cruciate Injury |
There is also a 6-month waiting period for problems associated with cruciates and patellas (knees).
If you 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 not apply.
|
Coverage When Travel Out of State or Country? |
You can choose any licensed veterinarian in the US, Puerto Rico and Canada.
|
Can the Price of the Policy Increase as my Pet Ages? |
Yes, the policy premium can increase as your
pet ages. The premium may also increase due to inflation or other reasons.
Contact the company for more information on when and how your premium may increase. |
Does Coverage Stop Due to Age? |
No, but if you are renewing a policy for a dog that is 8 years or older or a cat that is 10 years or older, you must follow your veterinarian’s advice with regard to senior wellness testing. |
What Happens when the Policy Renews? |
Chronic conditions will continue to be covered
each year as long as you do not go over your maximum payout.
(See 'Max Payout' sections below) |
Can the Price of the Policy Increase
if a Claim is Filed? |
No |
Choice of Vet? |
You can choose any licensed veterinarian in the US, Puerto Rico and Canada. |
Money Back Guarantee? |
If you change your mind within 30 days they
will refund your money in full as long as you have not filed a claim.
|
Surcharge for Visiting a Specialist or Emergency Clinic? |
No |
Referral needed to Visit a Specialist? |
No |
Pre-certification Required? |
No |
Additional Requirements |
**See actual policy or call Figo for a complete
list of the requirements you are expected to adhere to in order to
maintain coverage. |
Pet Insurance Policy Available for Pre-Purchase Review? |
Sample policy is available online. The policy depends on the state you live in.
|
Species Covered |
Dogs and Cats |
Accident/Injury - Baseline Coverage |
Covers examinations, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.
|
Illness - Baseline Coverage |
Covers examinations, diagnostics and lab tests,
surgery, treatments, hospitalization, prescription medications.
|
Behavioral Therapy Coverage |
[LIMITED]
Consultations by a vet to diagnose and treat behavioral problems are covered up to:
$250 annually for Essential
$500 annually for Preferred
$1,000 annually for Ultimate
|
Alternative Therapy Coverage |
[INCLUDED]
Holistic and alternative therapies are covered as long as they are performed by a licensed veterinarian and part of a covered treatment for injury or illness.
**See actual policy or call Figo for any limitations
on Alternative Therapy Coverage.
|
Pre-existing Conditions Policy |
Pre-existing conditions are not covered.
".. a pre-existing condition is a medical condition (signs or symptoms) which first occurred
before the effective date of your Figo policy or which occurred during the policy waiting period."
**See actual policy or call Figo for complete description
of pre-existing conditions. |
Hereditary & Congenital Conditions Coverage |
[INCLUDED] Hereditary and congenital conditions are covered as long as your pet is not showing signs and the disease has not been diagnosed or suspected prior to enrollment or during the waiting period.
**See actual policy or call Figo for complete description of their Hereditary & Congenital Conditions Policy. |
Continual Coverage for Chronic Conditions
|
[INCLUDED] Continual coverage for chronic conditions is included with the policy.
Chronic conditions are covered up to the maximum payout.
(See 'Max Payout' sections below) |
Chronic Conditions Policy |
Chronic conditions are covered up to the maximum
payout.
They do not cover chronic conditions that are pre-existing or that
occur during the waiting period.
**See actual policy or call Figo for complete description of their
Chronic Conditions Policy. |
Cancer Coverage |
[INCLUDED] Cancer conditions are covered if they are not
pre-existing and have not occurred during the waiting period.
(See 'Chronic Conditions Policy' section above) |
Cancer Coverage Limits |
Cancer conditions are covered as long as you do not go over your maximum payout.
|
Hip Dysplasia |
[INCLUDED]
Hip Dysplasia is included in the core policy as long as it is not
pre-existing and the disease has not been diagnosed or suspected during
the waiting period.
(See 'Hereditary & Congenital Conditions Coverage' section above) |
Prescription Drug Coverage |
[INCLUDED]
**See actual policy or call Figo for full list of inclusions
and exclusions |
Pregnancy Coverage |
[NO] |
Routine/Wellness Coverage |
[NO] - Routine Care is not covered or offered
as an addon |
Vaccinations |
[NO] - Routine Care is not covered or offered
as an addon |
Spay/Neuter |
[NO] - Routine Care is not covered or offered
as an addon |
Dental Care (Routine) |
[NO] - Routine Care is not covered or offered
as an addon |
Dental Care (Illness/Accident) |
Dental treatment is covered if it is part of
a treatment plan for a covered accident or illness.
**See actual policy or call Figo for full list of inclusions and exclusions.
|
Bilateral Conditions Policy |
If your pet has shown clinical signs of a cruciate
or soft tissue injury to one knee prior to the effective date of this
policy, or during the first 6 months of the policy (where no certification
of knee health has been provided) and appropriate treatment has not
been performed, then the other knee is automatically excluded from
coverage.
Once the appropriate treatment has been performed, the other knee
will be excluded from coverage for a period of 12 months from the
date of last treatment to the affected knee.
It is not clear whether the bilateral conditions policy applies to other parts of the body.
|
Coverage - Overview
(please read policy for full coverage details) |
Diagnostics and treatments due to illness and
accidents.
[Included] Hereditary & Congenital Disorders, Alternative Therapy, Continual Chronic Conditions Coverage, Cancer Coverage, Hip Dysplasia, Prescription Medications, Dental Illness/Accident, Behavioral Therapy (with monetary limits). (Refer to each category's section for limitations)
**See actual policy or call Figo for full list of inclusion, exclusions,
limitations and conditions. |
What's not Covered - Overview
(partial listing, please read policy
for full details) |
- Pre-existing conditions
- Conditions that occur during the waiting period
- Pregnancy
- Intervertebral disc disease when another disc in the same or
neighboring spinal region was previously treated or showing clinical
signs prior to the policy effective date or during the 14-day
waiting period for illnesses.
- Coverage for certain conditions will not be covered it your
pet is not spayed or neutered prior to its first
...See policy for a complete listing |
Co-pay |
You can choose from 0%, 10%, 20%, or 30% |
Deductible |
Annual deductible.
You can choose from $50, $100, $200, $500 per year. |
Flat Deductible vs % Deductible |
Flat Deductible |
Deductible Per Incident vs Annual Deductible |
Annual Deductible |
How is Reimbursement Determined |
Actual Vet Bill |
Max Payout Annually |
Essential - $10,000
Preferred - $14,000
Ultimate - Unlimited |
Max Lifetime Payout |
Figo does not have a maximum lifetime payout |
Max Payout per Incident |
Figo does not have a maximum payout per incident |
Max Payout Based on Body System |
Figo does not have a maximum payout based on
body system |
Client Reimbursed or Vet Paid Directly |
You pay the veterinarian and then you are reimbursed
after you file the claim. |