Figo
Figo Pet Insurance Policy
Accident & illness coverage with up to 100% reimbursement, an unlimited tier and cover for cured pre-existing conditions.
$$ Mid-rangeAccident & illness
- Reimburses
- 70/80/90/100%
- Annual limit
- Unlimited
- Deductible
- Annual
- Exam fees
- Add-on
- Accident wait
- 1 day
- Illness wait
- 14 days
- Deductible
- Annual deductible (Figo lists options from $100 to $750). A diminishing-deductible option drops it $50 each claim-free year.
- Annual limit
- Essential ($5,000), Preferred ($10,000) or Ultimate (unlimited) annual limits.
- Exam fees
- Vet visit and exam fees are covered only with the optional exam-fee coverage.
- Dental
- Dental illness and injury covered (including root canals and crowns for injuries) if you follow your vet's dental-care advice, including an annual dental exam.
- Alternative therapy
- Rehabilitation/physical therapy and holistic & behavioral care are optional add-ons.
- Wellness
- Optional wellness coverage for routine care.
- Waiting periods
- Accidents 1 day, illness 14 days, orthopedic/cruciate 6 mo. 6-month orthopedic waiting period for dogs, waivable with an orthopedic exam submitted within 30 days.
- Cured pre-existing conditions
- Curable pre-existing conditions are covered once cured and symptom- and treatment-free for 365 days. Genetic, ligament/knee, orthopedic and chronic conditions don't qualify.
- Eligibility
- No maximum enrollment age. Minimum age 8 weeks. Sold in every state.
- Multi-pet discount
- None offered.
- Underwriter
- Independence American Insurance Company
Good to know
- •Only major plan offering 100% reimbursement
- •Covers cured pre-existing conditions after 12 months
- •Life-threatening emergencies: deductible and co-insurance waived
- •No upper enrollment age
Watch out for
- !Exam fees, rehab and holistic care are paid add-ons
- !90% and 100% reimbursement aren't available in New York
- !Dental illness cover requires an annual dental exam
- !6-month orthopedic waiting period for dogs