Coverage: Figo has three plans covering accidents and illnesses, each with a different coverage limit. The Essential plan has a $5,000 annual cap, the Preferred plan has a $10,000 annual cap, and the Ultimate plan provides unlimited coverage. All three plans cover surgery, hospitalization, diagnostics, medications, emergency care, rehabilitation and more. Chronic, congenital, hereditary and orthopedic conditions are also covered.
Pet parents can select their reimbursement rate from options of 70%, 80%, 90% or 100% and their deductible from choices of $100, $250, $500 or $750. Note that deductible choices are dependent on your pet’s age, with lower deductibles not available for older pets.
Add-ons: Figo has four add-on options to supplement your standard policy, including basic and premium wellness packages. Both offer the same protection but have different coverage limits: $135 for the Basic plan and $250 for the Plus plan. Covered services include blood work, microchipping, vaccinations, flea/heartworm prevention, spay/neuter surgery and more.
The Extra Care pack offers support outside the vet’s office. Coverage includes advertising and reward costs for a lost pet, vacation cancellation fees if there is a pet emergency and cremation and burial costs. Finally, there is a veterinary exam fee benefit that covers fees related to diagnosing or treating your pet for a covered accident or illness. Note that this benefit does not cover preventive or routine care visits.
Cost: Using Figo’s online quote tool, we gathered average pet insurance premiums based on 4-year-old, mixed-breed dogs and cats in Concord, N.H., with varying deductibles, reimbursement levels and annual coverage limit options:
- Dogs: $13–$62
- Cats: $7–$27
Get a quote: Fill out Figo’s online form to get a pet insurance quote today.