Figo Pet Insurance Review 2023

Figo Pet Insurance Review 2023






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Our Verdict

Figo’s wide variety of options for coverage, reimbursement and deductible can help you work within your budget. It has a short 1-day waiting period for accident coverage.

Pros

  • Short 1-day waiting period for accident coverage.
  • Offers a 100% reimbursement option.
  • Has a 24/7 pet telehealth line.
  • Routine wellness plans available.
  • Offers an upgrade that covers special circumstances such as advertising and rewards for lost pets, vacation cancellation due to a pet emergency and loss of a pet due to theft or straying.
  • The Figo Pet Cloud helps you find pet-friendly places and connect with other pet owners for activities such as doggy play dates.






Cons

GREAT FOR SHORT WAITING PERIOD FOR ACCIDENT COVERAGE
Figo
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Via PetInsurer.com’s Secure Website
4.0
Forbes Advisor
Maximum annual coverage
$5,000, $10,000, Unlimited
Reimbursement choices
70%, 80%, 90%, 100%
Deductible choices
$100, $250, $500, $750

Figo Pet Protection Plans and Inclusion

Figo offers a mishap and sickness plan, which is the most well-known sort of pet protection plan and covers the largest scope of issues. It likewise offers add-on inclusion for costs, for example, preventive consideration, test charges and different sorts of costs. They are remembered for Forbes Consultant’s rundown of best pet insurance agency. Figo doesn’t offer a mishap well conceived plan.
Mishap and ailment inclusion
Figo offers a complete pet protection plan that covers various mishaps and diseases.






A portion of the issues shrouded in a strategy include:

Muscular circumstances like a torn foremost cruciate tendon (upper leg tendon)
Restoration
Medical procedures
Physician recommended meds
Crisis and hospitalization
Imaging
Ongoing circumstances
Malignant growth
Genetic and inherent circumstances
Hip dysplasia
Pet protection additional items
While purchasing a Figo pet insurance contract, you have the choice to add a few inclusion types at an extra expense.
Powerup: Health
Figo offers health inclusion as an extra to your mishap and ailment plan. Wellbeing plans give inclusion to vet costs, for example,
Wellbeing tests
Inoculations
Bloodwork
Fixing or fixing
Heartworm anticipation
Powerup: Additional Consideration Pack
This discretionary inclusion gives repayment to costs, for example,
Incineration or internment costs up to $250
Get-away abrogation inclusion because of pet crisis
Boarding expenses
Promoting and awards for lost pets
Obligation inclusion for property harms (up to $10,000 and might be liable to various deducible)
Powerup: Veterinary Test Charges
You can add this advantage to take care of the expense of test and counsel charges of another injury or disease.

What Figo Pet Protection Doesn’t Cover

While Figo takes care of numerous wellbeing related costs, a few expenses are excluded from its strategies. A few prohibitions include:
Previous circumstances
Rearing pregnancy or conceiving an offspring
Test strategies
Restorative medical procedure, for example, tail docking
Cloning methodology
Supplements
Dissimilar to other pet safety net providers, Figo doesn’t offer mishap just plans. Mishap just plans are restricted in inclusion, yet less expensive than thorough plans.

Figo Hanging tight Periods for Inclusion

By and large, pet protection plans have holding up periods. A holding up period is a particular measure of time before your inclusion fires taking care of the check for vet bills. For instance, Figo has a one-day sitting tight period for mishaps, which is extensively more limited than other pet safety net providers like Cross country, which has a 14-day mishap holding up period.
Figo has a 14-day sitting tight period for diseases, which is normal across the pet protection industry. Figo likewise has a six-month hanging tight period for hip dysplasia and muscular circumstances in canines, like knee wounds. In any case, in the event that you get a marked waiver from an authorized vet, it’s conceivable Figo will forgo the lengthy holding up period.






Figo Pet Protection Additional items

While purchasing a Figo pet insurance contract, you have the choice to add a few inclusion types at an extra expense. Here are some to consider:
Powerup: Wellbeing
Figo offers wellbeing inclusion as an extra to your mishap and ailment plan. Health plans give inclusion to vet costs, for example,
Wellbeing tests
Inoculations
Bloodwork
Fixing or fixing
Heartworm avoidance
Powerup: Additional Consideration Pack
This discretionary inclusion gives repayment to costs, for example,
Incineration or internment costs up to $250
Get-away abrogation inclusion because of pet crisis
Boarding expenses
Promoting and awards for lost pets
Risk inclusion for property harms (up to $10,000 and might be liable to various deducible)
Powerup: Veterinary Test Expenses
You can add this advantage to take care of the expense of test and meeting charges of another injury or disease.

Figo Pet Protection Inclusion Levels

Greatest yearly breaking point choices
The aggregate sum your pet safety net provider will repay you for wellbeing related costs (in a given year) is as far as possible. Figo gives animal people three choices:
$5,000
$10,000
Limitless
Deductible choices
You should pay a limited sum before your inclusion starts to get your pet’s wellbeing related costs, which is the deductible. Figo offers the accompanying deductible choices:
$100
$250
$500
$750






Repayment choices

Pet guarantors regularly pay a level of your pet’s vet charges, which is the repayment level. Figo offers repayment levels of:
70%
80%
90%
100 percent
The amount Truly does Pet Protection from Figo Cost?
Figo pet protection costs a normal of $44 each month, as indicated by a Forbes Consultant investigation of pet protection costs. That is for $5,000 of yearly inclusion, a $250 deductible and 80% repayment level. The typical expense is $55 each month for limitless inclusion, a $500 deductible and 90% repayment level.

Examples of Figo pet insurance cost by breed

Dog breed Average cost per month
Chihuahua $22 
French Bulldog $68 
German Shepherd $50 
Golden Retriever $47 
Goldendoodle $39 
Mixed breed (large) $38 
Mixed breed (medium) $33 
Mixed breed (small) $28 
Shih Tzu $28 
Yorkshire Terrier $29 

Step by step instructions to Get a good deal on Figo Pet Protection

Figo pet protection offers a 5% multi-pet rebate on the off chance that you guarantee more than one pet. However, the markdown won’t increment for each pet that you add.






For instance, on the off chance that you add a third strategy, the 5% markdown will continue as before. Figo pet protection is just accessible for felines and canines.

Figo Pet Protection Accessibility

Figo pet protection is accessible in every one of the 50 states.

Other Top-Rated Pet Insurance Plans to Consider

Company Embrace
Forbes Advisor Rating

5.0
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Reimbursement Choices 70%, 80%, 90%
Deductible Choices $100
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Company ManyPets
Forbes Advisor Rating 5.0
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Reimbursement Choices 70%, 80%, 90%
Deductible Choices $100, $250, $500
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Via PetInsurer.com’s Secure Website

Company Spot
Forbes Advisor Rating 5.0
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Reimbursement Choices 70%, 80%, 90%
Deductible Choices $100, $250, $500, $750, $1,000
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Company Pumpkin
Forbes Advisor Rating 4.5

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Reimbursement Choices 90%
Deductible Choices $100, $250, $500
View More Compare Plans

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Company Figo
Forbes Advisor Rating 4.0
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Reimbursement Choices 70%, 80%, 90%, 100%
Deductible Choices $100, $250, $500, $750
View More
Compare Plans

Via PetInsurer.com’s Secure Website

Company Lemonade
Forbes Advisor Rating 4.0
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Reimbursement Choices 70%, 80%, 90%
Deductible Choices $100, $250, $500
View More Compare Plans

Via PetInsurer.com’s Secure Website

Company Pets Best
Forbes Advisor Rating 4.0

4-removebg-preview-2
Reimbursement Choices 70%, 80%, 90%
Deductible Choices $50, $100, $200, $250, $500, $1,000
View More Compare Plans

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Company Trupanion
Forbes Advisor Rating 4.0
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Reimbursement Choices 50% to 100%
Deductible Choices No deductible
View More
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How Does Figo Pet Insurance Compare to Other Pet Insurance Companies?

Plan details and coverage options can vary by insurer. Here’s a look at how Figo compares to other pet insurance companies.

Figo pet insurance vs. Healthy Paws pet insurance

Rating and coverage details Figo pet insurance Healthy Paws pet insurance
Forbes Advisor rating

Accident coverage waiting period 1 day 15 days
Illness coverage waiting period 14 days 15 days
Special waiting periods 6 months for hip dysplasia and orthopedic conditions 12 months
Pays for the vet exam fee? Yes, if you purchase the Veterinary Exam Fees Powerup No
Optional wellness plan available? Yes No
24/7 vet helpline available? Yes Yes

Figo pet insurance vs. Pets Best pet insurance

Rating and coverage details Figo pet insurance Pets Best pet insurance
Forbes Advisor rating

Accident coverage waiting period 1 day 3 days
Illness coverage waiting period 14 days 14 days
Special waiting periods 6 months for hip dysplasia and orthopedic conditions 6 months for cruciate ligaments, 14 days for hip dysplasia
Pays for the vet exam fee? Yes, if you purchase the Veterinary Exam Fees Powerup Included
Optional wellness plan available? Yes Yes
24/7 vet helpline available? Yes Yes

Figo pet insurance vs. Spot pet insurance

Rating and coverage details Figo pet insurance Spot pet insurance
Forbes Advisor rating

Accident coverage waiting period 1 day 14 days
Illness coverage waiting period 14 days 14 days
Special waiting periods 6 months for hip dysplasia and orthopedic conditions None
Pays for the vet exam fee? Yes, if you purchase the Veterinary Exam Fees Powerup Yes
Optional wellness plan available? Yes Yes
24/7 vet helpline available? Yes Yes

Figo pet insurance vs. Trupanion pet insurance

Rating and coverage details Figo pet insurance Trupanion pet insurance
Forbes Advisor rating

Accident coverage waiting period 1 day 12-day delay before policy is effective
Illness coverage waiting period 14 days 12-day delay before policy is effective
Special waiting periods 6 months for hip dysplasia and orthopedic conditions None
Pays for the vet exam fee? Yes, if you purchase the Veterinary Exam Fees Powerup No
Optional wellness plan available? Yes No
24/7 vet helpline available? Yes No






About Figo Pet Protection

Figo is guaranteed by Autonomy American Protection, Markel American Protection and Markel Protection. The organization gives something beyond pet protection. The Figo Pet Cloud application assists you with coordinating your pet records, arrangements, inoculations and admittance to a day in and day out authorized veterinarian proficient. It’s likewise a social application that interfaces you with other pet people to find pet-accommodating spots, share photographs and even arrangement playdates.






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