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Figo Pet Insurance Review

In a nutshell: Figo pet insurance is known for its comprehensive, customizable policies that are easily managed through its innovative app. It offers competitive monthly premiums and provides a range of coverage options tailored to your pet's needs. Figo stands out for its quick and efficient claims process and offers both essential medical coverage and optional wellness plans for preventative care.

Figo Pet Insurance Review

Overview

Searching for the right pet insurance? Figo Pet Insurance stands out with its comprehensive, customizable policies, easily accessible through their cutting-edge app. Customers appreciate Figo for its competitive monthly premiums, tailored coverage options, and efficient claims process. Figo offers essential medical coverage for dogs and cats, along with optional wellness plans for preventative care.

Figo's unique feature is its 24/7 virtual vet visits available through the app, offering peace of mind and instant access to professional advice. Coverage includes accidents, illnesses, and even advanced treatments like surgeries and chronic condition management.

Founded in 2013, Figo offers pet insurance exclusively, focusing on providing the best possible care for pets. Policies start at competitive rates, and Figo provides various discounts, including multi-pet discounts.

Coverage is extensive, but note that routine care, like vaccinations and dental cleaning, may require additional wellness plan purchases. Policies typically exclude pre-existing conditions, cosmetic procedures, and breeding-related expenses.

Figo has received high ratings for its customer service and user-friendly app. It has been featured in publications like "Pet Life Today" and "Canine Journal," earning a solid reputation among pet owners.

Policies

Figo pet insurance coverage includes:

- Diagnostics: Lab tests, X-rays, ultrasounds, and MRIs.

- Procedures: Includes surgeries, hospitalizations, emergency care, and specialty treatments.

- Medication: Prescription drugs and injections.

- Accidents and Illnesses: Covers unexpected injuries, illnesses, and emergency treatments.

- Chronic Conditions: Long-term diseases like diabetes, arthritis, and cancer.

The basic plan covers emergency treatments, medications, and procedures. Optional wellness packages cover routine care such as:

- Annual wellness exams

- Vaccinations

- Heartworm and flea prevention

- Spaying/neutering

Manage your policies and claims through the Figo app, available on both iOS and Android. Claim processing is straightforward, usually requiring only the submission of the vet invoice.

Limitations

Exclusions include pre-existing conditions, cosmetic procedures, and breeding costs. Figo doesn't have a maximum age limit for enrollment but may adjust coverage based on the pet’s age and breed.

Figo is available in most states in the U.S., offering wide coverage across the country. However, coverage options may vary by state.

Cost

Visit the Figo website for a personalized quote. Monthly premiums start competitively, influenced by your chosen deductible, reimbursement level, and policy limit.

Costs vary based on your pet's age, breed, and health status, averaging between $30 - $70. Policy limits range from $5,000 to unlimited. Wellness coverage costs extra, depending on the chosen plan.

Sample Coverage for a 3-year-old dog

- $30.25 a month (including wellness coverage)

- 80% Reimbursement

- $200 deductible

- Unlimited annual payout

Customer Support

Figo's customer support is known for its responsiveness and efficiency, primarily handled through their app and website. For more complex issues, customers can reach out via phone or email. Figo's social media presence is also strong, with active accounts on platforms like Facebook, Twitter, and Instagram.

Real customer reviews often highlight Figo's user-friendly app, efficient claim processing, and helpful customer service. However, some reviews mention limitations in coverage and occasional delays in claim processing.

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Most Commonly Asked Questions About Cat Insurance Plans

Before getting started with a cat insurance plan make sure to familiarize yourself with how cat insurance works and what plan is best for your furry friend. To help you get started, we've compiled a list of some of the most commonly asked questions about cat insurance to help make sure your cat is fully covered and protected.

Who is Cat Insurance For?

Pet insurance can benefit anyone with a cat. Whether you're bringing home a new kitten or adopting a mature cat from a pet rescue, making sure you have the best cat insurance for your new pet can end up saving you more money than you realize.

If you've had a cat for years but have never had cat insurance, some of the best cat insurance plans could benefit you. Plans cover routine visits as well as emergency care. This means that you wouldn't pay much for routine vet visits, and you have the added security of emergency care coverage.

Having cat insurance is a good idea no matter the age of your pet. Owners with older cats can especially benefit because, as cats age, their bodies need more care and attention, just like people. The best cat health insurance plan for owners with an older cat should specialize in care for senior cats.

Those who have just gotten a kitten can benefit from cat insurance as well. Kittens need to go to the vet to get many different vaccinations. Therefore, the best cat insurance plan for the owner of a kitten should cover preventative care.

Is Cat Insurance Worth It?

Healthcare for pets can end up costing a lot of money. Having cat insurance provides you with the security of knowing that, in an emergency, you can choose the best medical option for your pet without spending a fortune.

You don't have to make any decisions about your pet's well-being based on your finances. If you already take your cat to the vet on a routine basis, the best cat pet insurance plan for you should cover routine visits and vaccinations.

Finding the best cat health insurance for your situation and your pet is key. To do this, review the features of the plans available and the type of coverage offered. If you have multiple pets, for example, some companies give discounts on cat insurance for more than one animal.

Can Cat Insurance Save You Money?

Cat insurance can save you money, especially if you select the best cat insurance for your pet and your financial situation. When it comes to emergency care, having cat insurance can help you save big. Pet surgeries for emergency situations can get expensive. If your cat experiences an accident, you can end up with vet bills costing thousands of dollars.

Because many cat breeds are very active, they can injure themselves by running, jumping, and playing just as humans do. If your pet lands wrong after jumping or overexerts themselves while running, they could easily tear a ligament in one or more of their limbs. Testing and specialized surgery to repair something like a torn cruciate ligament can leave you with vet bills totaling more than $5,000. If you have the best cat health insurance for your pet, coverage would cover most of the surgery costs and decrease the bill by almost $4,000 with the right copay and deductible.

If your pet has an accident with a car, you could end up paying around $10,000 for the surgeries needed in order to save their life. In this situation, cat insurance with the right copay and deductible ensures that you receive reimbursement for the majority of surgery costs.

What Are Some Common Cat Health Problems?

Cats have many common health problems that may require you to take your pet to the vet. Having cat insurance gives you the peace of mind of knowing you can afford pet care. For example, stomach issues represent one of the most common causes for a vet visit among cats. Cats suffering from symptoms like vomiting, diarrhea, and refusing food may need an ultrasound, which can range anywhere from around $300 to $500. Some cases may also require additional testing like an endoscopy, which can cost from $800 to $1,000, or a $3,000 CT scan.

The best cat insurance plans offer 80-90% reimbursement, so having a cat insurance plan when your pet needs extensive testing could turn out as a financial lifesaver. Cats often need treatment for skin conditions, ear and eye problems, and growths. If your cat needs treatment for a skin condition like dermatitis, you may need to pay anywhere between $100 to $500 for their prescriptions. The bill for a visit to the vet for something as small as an ear infection could cost as much as $250. If your pet needs treatment for an eye condition, surgery could cost thousands of dollars. When cats need care for a growth, a biopsy can cost as much as $1,500. If test results show signs of cancer, a full course of chemotherapy can cost around $15,000.

The best cat insurance plans cover preventative care so that you can catch a lot of issues early on and avoid these high costs. Plans also include illness coverage if your pet is diagnosed with a serious condition.

What is the Best Pet Health Insurance Plan for Cats?

Cat owners should consider a variety of factors to determine the best cat insurance. The best cat health insurance for one pet may not always make sense for another. Circumstances vary from animal to animal so you should think of your pet's age, breed, and overall health when selecting insurance. Of course, you'll also need to consider your budget, the type of specialized services you may need (such as grooming, breeding, etc.), and how many pets you have.

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