Figo Pet Insurance Review 2023
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.
GREAT FOR SHORT WAITING PERIOD FOR ACCIDENT COVERAGE
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
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
|
Reimbursement Choices |
70%, 80%, 90% |
Deductible Choices |
$100 |
View More |
Compare Plans
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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.