Policy Basics

When does my policy start and what are the waiting periods?

Your policy will become effective at 12:01 am standard time at your mailing address the day after enrollment or the day you select as your effect date. There is a 5-day waiting period for accidents, and a 14-d...

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Is a veterinary exam required to enroll in Figo Pet Insurance?

We do not require a veterinary exam to enroll. If you cannot provide medical records showing your pet’s annual health exam by a licensed veterinarian occurring within the 12 months prior to the effective date o...

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Can I visit any veterinarian in the United States?

Of course! We understand the importance of a trusting relationship between you and your veterinarian. You may go to any licensed veterinarian in the US, Canada, or Puerto Rico. This includes specialists and eme...

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Reimbursements and co-pays?

A reimbursement is the amount Figo will pay you toward the total bill or treatment submitted. A co-pay is the percentage of your claim for which you are responsible for before any applicable deductible is appli...

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What is an annual deductible?

The good news is that Figo has an "annual deductible" policy. This means that you can submit any size claim at any time during the policy year. So, once you have met your chosen annual deductible (applied to yo...

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Does my pet have to be spayed or neutered?

Your pet does not need to be spayed or neutered to purchase a policy. However, in Florida, in order to receive the full benefits of our plans, we recommend your pet being neutered or spayed prior to its first ...

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How do you determine a pre-existing condition?

We will evaluate your pet's medical history during the claim process to determine if the condition existed prior to your enrollment and the subsequent waiting period (14 days for illness and 5 days for accident...

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Will Figo waive pre-existing conditions?

On a case by case basis, we may waive a pre-existing condition if we deem the condition was curable and it has not shown signs or symptoms in the prior 12 months. Feel free to chat, email or call us with any fu...

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Policy Renewal Experience

As a Figo customer, you may wonder what happens when your policy renews. Here are the answers to the following policy renewal question. Auto-renew Expectations Premium/Rate Increases at Renewal Claims Su...

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What are medical records and what medical records are needed?

Medical records are detailed notes that your veterinarian logs after each time your pet goes in for a visit. Medical records include the findings or results from a veterinary visit. In some cases, this is not s...

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