Understanding What Does Figo Pet Insurance Cover for Pets

Figo Pet Insurance is a comprehensive coverage option for pet owners.

Figo covers accidents and illnesses, including injuries, infections, and diseases, as well as chronic conditions like arthritis and diabetes.

With Figo, you can expect to be reimbursed for a wide range of veterinary expenses, including surgery, hospitalization, and medication.

Figo also covers preventative care, such as vaccinations and flea control, as well as wellness exams and dental care.

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Figo pet insurance covers a wide range of medical expenses for your furry friend.

Figo covers common illnesses, such as skin issues and accidents, including broken bones, attacks by other animals, and poisoning.

Accidents and emergencies are also covered, including traffic collisions and ongoing medical complaints that can't be cured outright, like allergies, diabetes, and arthritis.

Figo's accident-and-illness policy provides reimbursements for costs associated with treating chronic conditions, hereditary and congenital disorders, and cancer.

Here's a breakdown of what Figo covers:

Figo also covers complementary treatments, such as acupuncture and chiropathy, and provides unlimited free veterinary consultations via video.

Figo Pet Insurance has some important exclusions to be aware of.

Cancer treatment is one of the most expensive veterinary expenses, with chemotherapy alone costing $5,000 for a dog and $3,000 for a cat.

Figo will reimburse pet parents for cancer treatment, but only if the pet's cancer is diagnosed after the policy starts and the waiting period has passed.

If your pet is diagnosed with cancer or shows symptoms before getting Figo insurance, the policy won't cover it.

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Having pet insurance can make a huge difference in your life as a pet owner, especially when it comes to pre-existing conditions. Pet insurance can help you get back to playtime with your dog quickly, thanks to fast claims.

Pre-existing conditions can be a major concern, but some pet insurance policies may cover them, or at least offer some level of coverage.

Does Figo Pet Insurance cover curable pre-existing conditions? The answer is no, they won't provide reimbursements for veterinary costs related to pre-existing conditions.

A pre-existing condition is defined as a medical ailment diagnosed before a pet insurance policy begins or during the waiting period. This includes symptoms as well as diagnosed medical conditions.

Figo Pet Insurance distinguishes between incurable and curable pre-existing conditions. Unfortunately, this means that if your pet has a curable pre-existing condition, you won't be able to claim reimbursements for related veterinary costs.

It's essential to note that most pet insurance providers, including Figo, have this same policy regarding pre-existing conditions.

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Does Figo cover cancer?

Figo Pet Insurance will reimburse pet parents for every stage of cancer treatment, from initial diagnostic testing and visits to veterinary specialists to chemotherapy and medication.

The cost of cancer treatment can be staggering, with chemotherapy alone costing upwards of $5,000 for a dog and $3,000 for a cat.

Cancer is a complex and expensive condition to treat in pets, but Figo's coverage can help alleviate some of the financial burden.

Here's a breakdown of what Figo covers in terms of cancer treatment:

The only exception to Figo's cancer coverage is if the pet in question was diagnosed with cancer or displayed cancer symptoms prior to a pet insurance policy starting or during a waiting period.

Waiting periods are a common feature in pet insurance policies, designed to prevent people from enrolling sick pets onto a plan and making claims right away.

Most pet insurance providers have waiting periods, which can range from a few days to several months. For Figo Pet Insurance, accidents have a 1-day waiting period, while illnesses have a 14-day waiting period.

In some cases, waiting periods can be waived if pets undergo an orthopedic exam before the policy starts.

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Some breeds of cats and dogs are more likely to inherit certain health conditions, such as Miniature Schnauzers and Pancreatitis, or Maine Coons and Hypertrophic Cardiomyopathy.

Figo Pet Insurance covers hereditary and genetic breed-specific conditions, including Pancreatitis and Hypertrophic Cardiomyopathy, but only if they're not pre-existing conditions.

If you have a pet that's prone to a breed-specific condition, it's essential to understand what's covered and what's not to avoid any surprises down the line.

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Some breeds of cats and dogs are more likely to inherit certain health conditions.

Miniature Schnauzers are particularly prone to Pancreatitis, while Maine Coons are more susceptible to Hypertrophic Cardiomyopathy.

These hereditary and genetic breed-specific conditions are eligible for reimbursements with Figo Pet Insurance.

However, this isn't true if the medical condition in question falls under the definition of a pre-existing condition.

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Figo Pet Insurance will reimburse costs for alternative and holistic therapies performed by a licensed veterinarian.

Alternative therapies include treatments like acupuncture, hydrotherapy, or chiropathy, which don't fall under conventional medicine.

These therapies can be a valuable addition to your pet's care plan, and with Figo Pet Insurance, you can rest assured that the costs will be covered.

However, if the therapy is considered an experimental procedure, it won't be eligible for reimbursement.

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We want the best care for your pet, and that's why our pet insurance includes unlimited online consultations with FirstVet.

These consultations are a game-changer for pet owners, especially those with specialized conditions or complex medical needs.

You can access these expert consultations 24/7, so you can get the care your pet needs at any time.

This feature is included in our pet insurance, giving you peace of mind and access to top-notch care.

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Dealing with a specialized condition in your pet can be overwhelming, especially when it comes to affording the necessary care. Over $5000 in veterinary bills can be a significant financial burden.

If your pet is diagnosed with a condition like Inflammatory Bowel Disease, you may need to cover the cost of multiple specialist vet visits and tests. Around 8 months after adoption, my dog was diagnosed with this condition, and the costs added up quickly.

A pet insurance policy like Figo can provide financial relief, covering unexpected veterinary expenses and giving you peace of mind. Figo covered over $5000 in the first year for this dog's condition.

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Figo Pet Insurance plans can be a bit complex when it comes to additional services and fees.

Vet exam fees are typically not included in the base coverage, but you can pay extra for the Vet Exam Fees add-on.

The average cost of a vet exam fee is between $55-$94, although this can vary depending on the clinic and US state.

Diagnostic testing, surgery, and prescription medication often come with additional costs on top of the vet exam fee.

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Figo offers a range of coverage options to fit your pet's needs and budget, with premiums starting at $24.95 per month.

You can customize your policy to include coverage for accidents, illnesses, and wellness expenses. Figo also offers a 24/7 claims hotline for easy and hassle-free reimbursement.

The deductible for Figo's accident and illness coverage is $250, with a 10% coinsurance rate after that. This means you'll pay 10% of the veterinary bill, and Figo will cover the remaining 90%.

Figo's wellness coverage includes routine care like vaccinations, dental cleanings, and flea control, with a $50 deductible and 10% coinsurance rate. This can help prevent costly health issues down the line.

Figo's maximum annual payout is $20,000, which can provide peace of mind for pet owners who want to ensure their furry friends receive the best care possible.

Let's dive into some example scenarios and coverage details to give you a better idea of what Figo Pet Insurance can do for you and your furry friend.

If your pet gets into an accident, Figo will cover the costs of treating broken bones, attacks by other animals, poisoning, and traffic collisions. These costs can add up quickly, so it's a relief to know that Figo has got you covered.

Figo also covers ongoing medical complaints that can't be cured outright but only managed, such as allergies, diabetes, and arthritis. This means that even though your pet may not be able to fully recover, Figo will help you manage their condition and keep them comfortable.

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One of the most expensive health conditions to treat is cancer, but Figo's coverage includes all the costs of cancer treatment, including diagnostic testing, surgeries, and medication. This can be a huge weight off your shoulders, especially if your pet is diagnosed with cancer.

If your pet needs complementary treatments like acupuncture or chiropathy, Figo will cover those costs as well. And, if your pet has a hereditary or congenital condition, such as hip dysplasia or heart anomalies, Figo will cover the costs of treating those conditions as long as they're not pre-existing.

Here are some examples of what Figo covers in more detail:

These are just a few examples of what Figo Pet Insurance covers. By choosing Figo, you can have peace of mind knowing that your pet is protected in case of an accident or illness.

Common accidents and emergencies can happen to any pet, and they can be costly to treat. The average treatment and recovery time for a dog recovering from bloat is about 48 to 72 hours, with costs starting at around $2,500.

Broken bones, a common injury in dogs and cats, typically cost around $1,500 to repair. However, this figure can quickly skyrocket if there are multiple breaks or complications.

Some common accidents and emergencies include being struck by a car, attacks by other animals, poisoning, and serious health conditions like pancreatitis. These conditions can be life-threatening and require immediate veterinary attention.

Being struck by a car is a common and potentially life-threatening accident for dogs and cats. This can result in serious injuries and costly treatment.

An attack by a dog or another animal can be a traumatic experience for both the pet and its owner. The average treatment and recovery time for a dog recovering from an attack can be lengthy.

Poisoning or ingestion of harmful or dangerous substances or food can be a serious emergency for dogs and cats. Treatment can cost thousands of dollars.

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Serious health conditions, such as pancreatitis, can be a costly and potentially life-threatening emergency for dogs and cats.

Burns or electrical shocks can be extremely painful and require immediate medical attention. Treatment can be expensive and may require hospitalization.

Here are some common accidents and emergencies for dogs and cats, along with estimated treatment costs:

Accidents can happen to anyone, and it's essential to be prepared for emergencies with your pet. You can choose your own veterinarian for treatment.

Figo offers pet insurance plans that allow you to use your preferred vet, whether it's an emergency hospital or a specialist. This means you don't have to worry about being tied to a specific veterinarian.

Their plans can be customized to fit your pet's unique needs, and Figo offers 100% reimbursement to policyholders. This provides peace of mind and financial security in case of an emergency.

The Pet Cloud app is a valuable tool that lets you store your pet's medical records, find a dog walker, and even chat for free with a live veterinary professional 24/7. This feature is particularly useful in emergency situations.

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Figo Pet Insurance covers a wide range of expenses, from common illnesses to accidents and emergencies. You can expect reimbursement for costs associated with broken bones, attacks by other animals, poisoning, and traffic collisions.

Figo will also cover ongoing medical complaints that can't be cured outright, such as allergies, diabetes, and arthritis. These conditions can be managed with proper treatment, and Figo's insurance will help cover the costs.

Accidents and injuries, like abscesses, oral cancer, root canals, and broken teeth, are also covered, but routine treatment like teeth-cleaning or dental exams are not included in the base coverage. You'll need to pay extra for the Vet Exam Fees add-on to include these costs.

Cancer treatment is a significant expense, but Figo's insurance will reimburse pet parents for all costs associated with diagnostic testing, surgeries, and medication. This includes complementary treatments like acupuncture and chiropathy.

Hereditary and congenital conditions, such as hip dysplasia, progressive retinal atrophy, and heart anomalies, are also covered, as long as they're not pre-existing conditions. Figo will pay back veterinary bills for every stage of a pet's accident or illness, from early testing and hospitalization to aftercare.

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Here's a breakdown of what Figo Pet Insurance covers: