Compare Figo Pet Insurance

Comparison Fact Sheet

To get the most from these sheets, please read the Guide to Pet Insurance first.



Company Info
Company Name Figo
Also Known As / Affiliates / Partners  
Address  
Phone 844-738-3446
Website www.figopetinsurance.com
Plans That Provide Both Accident and Illness Coverage Essential, Preferred, Ultimate*
States Covered Not Clear
Underwriter and AM Best Financial Strength Rating Insurance underwritten by Markel American Insurance Company.

Markel American Insurance Company has an AM Best Financial Strength of "A" and an Outlook of "Stable" as of 1/1/19.

For the most recent ratings go to: AM Best and enter the name of the underwriter in the box labeled 'Text'.
Year Company Started 2015

 

Policy Basics
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.

 

What's Covered
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 if 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

 

How The Policy Works
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.

 

Pricing
Approximate Monthly Costs Approximately $13 - $126 depending on the deductible, co-pay, annual max you pick, age of pet, optional add ons, etc.

 

Additional Info
My Review Figo Review
What are Customers Saying? PetInsuranceReview.com
Better Business Bureau bbb.org
Additional Info  

*The information in the above charts applies to Figo pet insurance plans that cover illness and accidents. If your pet is only eligible for accident coverage, please contact Figo for details on that policy.

**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by calling the company or reading the most current policy. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.

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