Choosing a Pet Insurance Plan with #Figo


Mr. N has had pet insurance since we adopted him. It was a condition of his adoption actually. The thing to remember about pet insurance is you have it for your peace of mind and not because you expect to recoup the money you spent. If Mr. N needs to have a costly surgery or has an emergency, the bulk of the cost will be covered. If you break even, your pet has most likely had a lot of medical emergencies. Healthy pet makes for a happy life right?

No pet insurance company will cover pre-existing conditions so you want to buy insurance before something happens.

This post was sponsored by Figo Insurance. They are not responsible for the contents of this article. All opinions expressed are our own. 

We’re comparison shopping for a new insurance plan and this is why Figo Pet Insurance, a new competitor in the market is worth considering for us:

  • They cover veterinary exam fees for treatments. Our current plan does not and it is a consideration sometimes when we’re debating if we should wait and see or take him in if it’s not an emergency.
  • Accessible customer service. You can tweet, text or chat. I like when companies have a chat feature so I can multi-task while chatting and not have to wait on hold.
  • The claims process. You can file a claim from your phone, track the process and be paid electronically too. Right now, we have to have the vet’s office fax the forms and it’s not the most convenient. 
  • Flexibility in plans. There’s only one plan option with our current company.
  • Copay and deductible waived for emergency life-saving treatment. Mr. N has never had a true emergency while we’ve had him (knocks on wood) but in the case that we did, it’s nice to know that there would be fewer costs to pay.
  • Holistic and alternative therapies are covered. We recently switched to a veterinary practice that does alternative and regular medicine so an insurance that covers both would be a plus. The company we are with does cover them but you have to purchase an additional rider.
  • The cloud. Like most Millennials, I prefer doing everything online when possible. With Figo, you can manage documents electronically, share your pet’s records with anyone and get shots and medical reminders as well. 
Practicing kawaii faces.

I plugged in Mr. N’s stats into the online calculator and it is slightly more expensive (an additional six dollars/month) than our current plan. Figo does cover exam fees though so the end cost may be similar. I have some more questions to ask (like 24/7 customer service availability) and I need to sit down and run some figures but Figo is definitely on our short-list for consideration.

Do you have pet insurance? Which factors do you consider when choosing a plan?




29 Responses

  1. Hannah

    July 1, 2016 11:48 am

    Interesting! I would expect more price difference for the exam few coverage. Does that include routine care?

    We have Healthy Paws. At the time I signed Lilo up, they were the only company that would cover a second CCLrepair if she did the first (not if it had been preexisting, obviously). I believe other companies now offer that as welol, but I had such a god experience with them when I had to file acclaim that I'm in no hurry to change.

  2. Nichole Burke

    July 1, 2016 10:45 pm

    We have never had pet insurance, although with Zeus I really wish we had! We looked into a few plans when we got Penny last year, but ended up ultimately deciding to forego it. I hope it wasn't a mistake.

  3. The Daily Pip

    July 2, 2016 1:46 am

    We have never had pet insurance either. Since we tend to adopt older animals, they almost always have pre-existing conditions so I have just assumed they would not be covered.

    It's very cool that they cover emergency treatment. We have had some over the years and sure would be nice to have some coverage.

    • Tenacious Little Terrier

      July 3, 2016 6:27 am

      Some insurance companies have older pet coverage limits. They'll cap it at ten for example. Figo does not. Older pets are more expensive to insure and as you say, pre-existing conditions would not be covered. Senior pets do tend to develop more than one issue though…

  4. Three Chatty Cats

    July 2, 2016 2:10 am

    Thanks for the info on Figo! It's great that they cover exam fees for treatments. I assume that means not routine exams. Just if the exam leads to a treatment. We have Healthy Paws for our three cats. We didn't have insurance for our dog… then had three back surgeries. So, probably should've had it from the beginning. I will always have insurance for our pets from now on.

  5. Jane H

    July 2, 2016 2:15 am

    I've never gotten pet insurance. I'm curious to know if the exams and shots are covered or just the exam. Also do you have to go to a certain vet or will any vet take the insurance?

    • Tenacious Little Terrier

      July 3, 2016 6:26 am

      Generally, I think most pet insurance does not cover routine care. In some cases, you can purchase an additional wellness rider that would cover those things. Except for the Banfield insurance, I think the other companies will cover all vets.

  6. Mary @ StaleCheerios

    July 2, 2016 3:49 am

    I've never had pet insurance in the past, but I've had some pets (including a few of my rats) rack up some pretty big vet bills!

    Thanks for this review. Pet insurance has definitely been something on my mine for a while now, and I would like to do more research on the different options available.

  7. Sadie and Co.

    July 3, 2016 1:12 am

    That is fantastic that insurance was part of the adoption agreement. I have known several pet parents that have had to have their companions put to sleep because they were not able to afford the cost of surgery. Heartbreaking. Isn't it at least worth getting a quote? For the record, we have insurance too.

  8. Kia

    July 4, 2016 4:08 am

    I don't have pet insurance, but have a wellness plan for Simba and it has worked good for us. I was looking into the diff and need to do some more research. This insurance company sounds like it has great benefits.

  9. Valerie

    July 4, 2016 7:08 am

    In Belgium, it's not common to have pet insurance. Not many companies offer it. And the ones that do don't cover major surgeries 🙁

  10. Rugby James

    July 4, 2016 2:17 pm

    Really helpful review! I have sent this post to my daughter who is shopping for pet insurance for her kitty! Now that Rugby is 9, I've begun to think maybe pet insurance should be on our radar screen.

  11. Cathy Armato

    July 4, 2016 8:29 pm

    I think it's great that Pet insurance was a condition of your Adoption, wonderful idea. Pet insurance is becoming so important as Vet costs keep rising.
    Love & biscuits,
    Dogs Luv Us and We Luv Them

  12. Cathy Armato

    July 4, 2016 8:29 pm

    I think it's great that Pet insurance was a condition of your Adoption, wonderful idea. Pet insurance is becoming so important as Vet costs keep rising.
    Love & biscuits,
    Dogs Luv Us and We Luv Them

  13. DIY Dog Mom

    July 5, 2016 2:12 am

    We got pet insurance on our first dog and it has been amazing! Our other two had pre-existing conditions so it won't really work for them sadly. Thanks for sharing so people can save money!

  14. FiveSibesMom

    July 6, 2016 1:59 am

    Interesting post. I do not have insurance on my five Huskies…at the time they came into our homes, the insurance choices that we had just were not enough to justify purchasing it at a pretty costly premium, times five! I have noticed there are many more options today, which is wonderful. My Huskies are now older, and some now with health conditions, so I would not purchase for them now. But it is something I would check into for future dogs since they seem to cover much more now.


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