Figo offers pet insurance policies for dogs and cats through three plans which allow you to choose your reimbursement percentage and annual deductible. New policies can be written for dogs and cats up to 2 years of age. For new policies, there is a 14 day waiting period for illness, and a 5 day waiting period for accidents.
Figo’s tiered plans offer generous customization for choosing your deductible and reimbursement percentage. Your choices are immediately reflected in the monthly premium quote shown on screen. There is no annual maximum amount.
Figo is unique in the approach it takes handling the application, tracking and claims process, all based online. Their platform can be handy for frequent travelers, since it allows easy access to all records from anywhere through your personal log in. Its website offers additional functionality as a pet portal which can help with more than pet insurance.
Our standard disclaimer:
With any pet insurance policy, be sure you read and understand what is, and is not, covered by the policy. If a policy does not specifically state a condition is covered, there’s always a chance that it is not. Know your rights and procedure (if any) to appeal a determination.
Keep in mind that an injury or treatment that is “related” to an excluded condition can sometimes be deemed an excluded condition. Ideally, you would like a list of covered conditions to eliminate any question of what will be reimbursed.