FIGO

Pet Insurance Review

Pet Insurance - FIGO
Pet Insurance - FIGO

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Pet Insurance - FIGO

COVERAGE OPTIONS

Accident & Illness

Wellness

Coverage extends worldwide

REIMBURSEMENT RATES

Choice of rates include:

70%

80%

90%

100% (rare offering)

COVERAGE LIMITS

Annual limits available:

$5,000

$10,000

$Unlimited

Pet Insurance - FIGO

COVERAGE OPTIONS

Accident Only plan option is not offered

CLAIM PROCESSING

You pay the vet bill directly and then file a claim for reimbursement

PRE-EXISTING CONDITIONS

No coverage unless your pet has been cured and is symptom free for 12 months (coverage varies by state)

Pet Insurance - FIGO

COSTCO AFFILIATION

Figo is available via Costco, and specific Costco members could qualify for a 15% discount on their Figo insurance policies.

FIGO PET CLOUD

The Figo app helps you find pet friendly places, connect with other pet owners, connect with a vet 24/7, and organize your pet’s records

    • Diagnostic procedures

    • CT scans

    • X-Rays

    • Ultrasounds

    • Chronic conditions

    • Cancer

    • Chemotherapy

    • Radiation

    • Rehabilitation

    • Behavioral training

    • Chiropractic

    • Acupuncture

    • Orthopedic

    • Mobility devices

    • Hip dysplasia

    • Hereditary disorders

    • Congenital disorders

    • Emergency care

    • Pet ambulance

    • Hospitalization

    • Surgeries

    • Prescription medication

    • Dental injuries

    • Holistic and alternative treatments

    • Euthanasia

    • 24/7 Virtual Vet

    • Annual wellness exams

    • Vaccines

    • Dental Cleaning

    • Spaying / neutering or dental cleaning

    • Deworming

    • Microchipping or Health Certificate

    • Vet exam fees

    • Pet theft due to loss or straying

    • Lost pet advertising / reward

    • Boarding fees

    • Final respects benefit

    • Vacation cancellation due to pet emergency

    • Third party property damage liability

  • The following are not covered under any policy:

    • Pre-existing conditions

    • Experimental procedures

    • Breeding, pregnancy, or giving birth

    • Cloning pets or cloning procedures

    • Cosmetic surgery

Coverages and exclusions listed are a sample with potential limitations, subject to change based on jurisdiction, age, and health. Refer to our Terms of Service for the full disclaimer. Information provided is general; it's not professional advice. Verify policy details with the company or seek advice before deciding. We're not liable for any loss or damage. External links don't signify endorsement; users are encouraged to independently research for informed insurance decisions.

AVAILABILITY BY STATE

At the time of writing, Figo was active in all 50 states. Such availability is subject to change.

Pet Insurance

  • Range from:

    $5,000 - Unlimited

  • Options include:

    70%

    80%

    90%

    100% (rare offering)

  • 1 day for accidents

    14 days for most illnesses

    6 month orthopedic conditions (can be waived via Pet Cloud app)

  • Premiums

    • Premiums factor in your pet’s breed, age, and optional add-ons, if any, that you choose

    Discounts

    • 15% for certain Costco members

    • Executive-level Costco members receive a $15 discount on their enrollment fee

    • Figo offers additional discounts that vary by state including:

      5% multi-pet

      5% Military in most states

    Deductibles

    • Choosing a higher deductible will decrease premiums

    • Choosing a lower deductible will increase premiums

    • Deductibles range from $100 - $1,500 and vary based on your pets age

  • Insurance partners:

    • Independence American Insurance Company

    • Markel American Insurance Company

    • Markel Insurance Company

Pet Insurance