Claims

How do I file a claim?

Figo is paperless and pain free. 1. Log into your Figo Pet Cloud from any device. 2. Select the “Claims” icon and answer the online questions. 3. Upload or attach your bill along with any other ...

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How do I get reimbursed or check my claim status?

You can check the status of your claim by logging into the Figo Pet Cloud and selecting the claims icon. We will mail a reimbursement check to you.

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How is my reimbursement calculated?

Figo pays off the actual veterinary bill not from a benefit schedule. Unlike some of our competitors we also cover the veterinary exam for any covered accident or illness. Figo calculates your reimbursement by...

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Should I file a claim if my bill is less than my deductible?

Yes. All covered treatments will help you meet your annual deductible and, besides, filing a claim does not impact your rates.

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Do I need pre-authorization from Figo for veterinary treatment?

No, but if you would like to confirm that the treatment will be covered you may contact us at any time.

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Is there a waiting period?

Yes, starting from the effective date of your policy, there is a 5-day waiting period for accidents, at 14-day waiting period for illnesses. The 5-day waiting period for injury and 14-day waiting period for i...

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How long do I have to file a claim?

We ask that you file your claim within a reasonable time frame following your pet’s illness or injury. We know you are busy but we cannot accept any claims that are submitted more than 90 days after the end of ...

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How do I read my Explanation of Benefits?

We know that reading your Explanation of Benefits can be confusing, especially for the first time. To help with this, we have created a sample EOB that explains each and every detail.

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