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figo pet insurance cost

Think of it this way: If your car is damaged or starts showing signs of engine failure, you wouldn’t buy an insurance policy after-the-fact on that vehicle and expect the provider to pay for repairs. Figo Sites or Services are not intended for use by children and we do not target our websites to children under the age of 16.  Account holders must by over the age of 18.Â, We do not intentionally collect, process, transfer, or store Sensitive Data.Â. “Log Data” means information that your browser sends whenever you visit a website; this information is automatically recorded by our servers. “Cookies” are small files that are placed on your hard drive for identification purposes. Such entities or organizations may retain that information and disclose it to other insurance companies and others legally entitled to see such data. Attempts to access such areas without authorization may be viewed, monitored, and recorded and any information obtained may be given to law enforcement organizations in connection with any investigation or prosecution of possible criminal activity on this system. If you post a User Submission, Images or Content to any public forum on the Figo Sites or Services, including any social network page, blog, or other such forum, please be aware that any Personal Data disclosed in your User Submission, Images or Content can be read, viewed, collected, or used by other users of these forums, and could be used to contact you, send you unsolicited messages, or for purposes that neither you nor Figo control. All payments must be made by the cardholder or account holder or the person making the payment must have the express consent and permission of the cardholder or account holder to use the card or other form of payment being used. How much does lifetime pet insurance cost? Please contact Customer Experience for details on your state’s payment processing/installment fees. Kentucky: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime. If your pet is less than two years old, or if they have not been a part of your family for at least two years, we will need all available records. We would be more than happy to discuss your cancellation over the phone and can be reached at (844)738-3446. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution. We reserve the right at any time in our sole discretion to: modify, suspend or discontinue our sites or any service, content, feature or product offered through our sites, with or without notice; charge fees in connection with the use of our sites or services; modify or waive any fees charged in connection with our sites or services; or offer opportunities to some or all users of our sites or services. training our employees in connection with providing our service to you. You believe that your Personal Data was unlawfully processed or collected (. Deductibles are the amount of money you’ll have to pay before your insurer begins to disburse payments — with pet insurance, this initial cost can range from $200 to as much as $1,000. No right, title, or interest in or to our sites or any content on our sites is transferred to you, and all rights not expressly granted are reserved by Figo. There is no deductible cost or co-pay required.   Last modified: September 2018   THE COMPANY DISCLAIMS LIABILITY FOR SUCH ERRORS AND DOES NOT WARRANT OR REPRESENT THAT THE CONTENT ON OUR SITE OR A LINKED WEB SITE IS UPDATED OR COMPLETE. Content or Images removed from our sites or services may continue to be stored by Figo, including in order to comply with certain legal obligations, but may not be retrievable without a valid court order. View Plans. The purpose of insurance is to protect you from unknowns: You can’t protect yourself against something that already happened or is happening. You have the option of adopting certain privacy options through our settings section.   Figo reserves the right to amend or alter these Terms without advance notice by posting revised Terms. In the event Figo receives a request for erasure, or a request to be forgotten, Figo has the obligation to erase the personal data without undue delay (and no longer than 30 days after the request is received), where one of the following grounds applies: If you would like to submit a request for erasure (request to be forgotten), please use the form linked here. Figo may require you to register on Figo Sites or Services and we may collect Personal Data from you to provide or service our insurance products, our services and products on the Figo Pet Cloud, and to complete various other transactions.  Registration is required if you wish to maintain an Account with Figo and to obtain the benefits of the Figo Pet Cloud. You may not link to our site with the intent to reference the insurance products without our prior knowledge or consent. Coverage under any pet insurance policy is expressly subject to the conditions, restrictions, limitations, exclusions and terms of the policy documentation issued by the insurer. To gather metrics to better understand how users access and use the Sites or Services; to evaluate and improve the Sites or Services; and to develop new products and services. You can customize the plan by choosing reimbursement and deductible rates that fit your budget plan. FIGO EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO ITS SITES OR SERVICES, ANY CONTENT, IMAGES OR CONTENT SUPPLIED BY THIRD PARTIES, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. You may not remove, modify or alter any copyright, trademark or patent notice from any product delivered by us. Contact the Customer Experience team by phone, email, chat, text, or Facebook messenger. THIS LIMITATION ON LIABILITY INCLUDES TRANSMISSION OF VIRUSES THAT INFECTS YOUR EQUIPMENT, MECHANICAL OR ELECTRONIC EQUIPMENT FAILURE, FAILURE OF COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECTS, UNAUTHORIZED ACCESS, THEFT, OPERATIONAL ERRORS, STRIKES OR OTHER LABOR PROBLEMS, OR ANY FORCE MAJEURE. These files are used for site registration and customization the next time you visit us. Checks are typically received within 7-10 business days from the date the claim is completed. Information submitted directly as a component of your insurance application will be used solely for that purpose. Currently, our policy does not offer coverage for routine wellness or preventative care. For more information about what medical records are needed at the time of your pet’s first claim, visit our, We know that reading your Explanation of Benefits can be confusing, especially for the first time. No one is permitted to sell, solicit or negotiate an insurance policy without a producer license in the state in which the plan is sold, and all prospects should be directed to Figo Pet Insurance. Please note the following requirement by one of our third party providers: Copyright (c) 2016 UNA, Inc. Figo Pet Insurance does not include the exam fee in their reimbursement. If you chose to be reimbursed via ACH (deposited directly into your bank account), this should arrive in your account within 3-5 business days following your claim being completed. Policy Plans. In all other aspects, Figo is a first-rate choice for pet insurance. Figo and its affiliates shall not be responsible for any other parties' use of your Content or Images, even if such third party use originated with or is derived from our use. Figo does not claim ownership of any Images or Content that you post on or through our sites and services. “You” and “Your” means our policy holders, users, visitors, and customers. We value your opinions. The GDPR is effective as of May 25, 2018. You must not defame, stalk, bully, abuse, harass, threaten, impersonate or intimidate people or entities and you must not post private or confidential information via the our sites or services, including any credit card information, social security or alternate national identity numbers, non-public phone numbers or non-public email addresses. Figo will alert you to your policy renewal at least 30 days in advance, which allows time to review and make changes as needed. Monday-Friday: 8:30am-5:30pm (claim-related support). Do not share your password with anyone. Additionally, your premium will be affected by your pet's age each year, as the risk for more costly claims grows higher. You may update your personal information through our sites or by contacting us at support@FigoPetInsurance.com or by calling 844-738-3446. Your pet does not need to be spayed or neutered to purchase a policy and coverage is not affected based on if your pet is spayed/neutered or not. Check out our Comparison Chart and see for yourself why choosing a Figo pet insurance plan is the right decision for you and your pet. For questions regarding the determination of pre-existing conditions, review this FAQ. California Privacy Rights. Pursuant to Section 1798.83 of the California Civil Code, residents of the State of California have the right to request from a business, with whom the State of California resident has an established business relationship, certain information with respect to the types of Personal Data the business shares with third parties for direct marketing purposes by such third party and the identities of the third parties with whom the business has shared such information during the immediately preceding calendar year. If your payment is rejected for any reason you can log into your Figo Pet Cloud and update your payment method through the “Insurance” section. Sunday 11am-3pm (text support only), Claims Support (Central Time): Figo understands the importance of your privacy and the information that you may supply to us when using our website.  Figo strives to protect your information and keep it secure. Advanced pet medical care often costs thousands of dollars. You can only pay for Figo products or services using a credit card, debit card, ACH direct debit transfer from a checking account or such other method of payment disclosed to you on the applicable checkout page. For smaller cats and dogs, a policy with a reimbursement level of 80% and an annual limit of $10,000 will cost around $30. If your pet was adopted, we will also need any medical records provided to you by the shelter or rescue organization including the date of adoption, as well as the adoption certificate if available. These Terms and any document expressly referred to in these Terms constitute the entire agreement between you and us and supersede and extinguish all previous agreements, promises, assurances, warranties, representations and understandings between us, whether written or oral, relating to its subject matter. New Jersey: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties. For every claim you submit the following items are needed: Your veterinarian can email the records to your Figo Pet Cloud directly using your Personal Pet Cloud Email Address. Coverages and availability may vary by state or province; and additional minimum coverage limits may be available in your state. $9 - $135, depending on your chosen plan. Did you know: More pets are being saved by advanced healthcare treatments, and that care can be quite costly. European Union General Data Protection Regulation 2016/679 Figo sites or services are offered and available to users who are 18 years of age or older and who reside in the United States. 2. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. Note: Your premium will never increase due to filing a claim. Each pet has its own policy with its own plan, co-insurance, deductible and PowerUp options. WE DO NOT ENDORSE AND ARE NOT RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE OR STATEMENT MADE THROUGH OUR SITES OR SERVICES BY ANY PARTY OTHER THAN US. “User” means a natural person granted Authorization to use the Figo Sites or Services on behalf of such individual. Figo does not have control over third party cookies. 5. You should note that cookies cannot read data off of your hard drive and they cannot be used to identify you personally. 10873, Chicago, Illinois USA 60610 or call us at +1 844-738-3446. Images, Content and General Conditions about Social Networking. By using the Sites or Services, you agree that you have read, understood, and consented to this Privacy Policy, our Terms of Use, all amendments, addenda, and licenses to each of the Privacy Policy and the Terms of Use (collectively, the “Agreement”). All rights reserved. No, while some companies will reduce your reimbursements for visiting a specialist, we do not. However, if your vet says the watery runs were caused by some other new condition, we may cover it. Your deductible will reset when your policy renews each year. For additional information, please contact us at support@FigoPetInsurance.com or call us at 844-738-3446. Choose from three flexible plans that can be customized to meet your budget needs. During the policy period, you will pay the co-pay and deductible as stated on the Declarations Page for the VETERINARY FEES coverage. For example, we may collect and aggregate broadly measurable demographic information such as the breed of your pets and your city of residence. Seek the best veterinary treatment for your pet when an accident or illness occurs. If your policy has been canceled for longer than the allowed timeframe per your state, or if an illness or injury has occurred during the cancellation period, you are more than welcome to submit a new application for your pet online or by calling us. We are more than happy to help! Figo Pet Insurance. After your completed claims form, along with all necessary invoices and medical records are submitted, we will work diligently to expedite your claim. FIGO HAS NO OBLIGATION TO UPDATE ANY CONTENT ON OUR SITE AND MAY CHANGE OR IMPROVE OUR SITE AT ANY TIME WITHOUT NOTICE.   2. See our plans and coverages. ​. Monday-Friday 8am-7pm | Saturday 8am-6pm   To process your initial claim, we will need the last two years of medical records (dating back two years prior to the effective date of your pet's Figo policy) including notes from all veterinarians your pet has visited. And filing a claim does not impact your rates. Other exclusions may apply. To display interest-based advertising to you, to improve our advertising and measurement systems so that we can show you more relevant ads, and to measure the effectiveness and reach of ads and services. And self-insuring is risky because you need enough time to save and build up a pet fund—but what happens if your pet gets sick before you are able to save enough money? ; (c) you will not transmit any content that contains software viruses, or other harmful computer code, files or programs; (d) you will not disrupt servers or networks connected to our sites or services; and (e) you comply with these Terms. No one is permitted to sell, solicit or negotiate an insurance policy without a producer license in the state in which the plan is sold, and all prospects should be directed to Figo Pet Insurance. Examples of routine wellness or preventative care include, but are not limited to, annual wellness visits, annual or routine blood work, vaccinations, flea or tick preventative medications, etc. Content or Images used, displayed or propagated by us or others licensed by us to use your Content or Images may be attributed to you unless you have expressly requested anonymity via exercising the options contained in our settings page. You are prohibited from using any Marks for any purpose including use on other materials, in presentations, as domain names, or as metatags, without our written permission.Â, Except as expressly provided above, no Images or Content or any portion of Figo sites or services, Content or any copyright, trademark, trade name, service mark or any other proprietary information of Figo (collectively, the “Intellectual Property”) displayed on Figo sites or services or on any of the Content may be reproduced, altered, removed, transmitted, published or distributed, whether electronically, mechanically, by photocopy, recording or otherwise, without the prior written permission of Figo. You hereby represent and warrant that the information you provide to us is truthful, accurate and current. For Chronic Conditions and Hereditary Disorders to the extent they first show clinical sign(s) before the effective date of this policy or during the first fourteen (14) days beginning on the effective date of this policy. Once the co-pay has been applied, the deductible will be applied to the remaining amount.Â. processed lawfully, fairly and in a transparent manner, collected for specified, explicit and legitimate purposes and not further processed in a manner that is incompatible with those purposes, adequate, relevant and limited to what is necessary in relation to the purposes for which it is processed, accurate and, where necessary, kept up to date, kept in a form which permits identification of Data Subjects for no longer than is necessary for the purposes for which the personal data are processed, processed in a manner that ensures appropriate security of the personal data, including protection against unauthorized or unlawful processing and against accidental loss, destruction or damage, using appropriate technical or organizational measures, to request the correction or update of any Personal Data that is incorrect or incomplete, to request the erasure of your Personal Data (the right to be forgotten), to object to the processing of your Personal Data, not to be subject to a decision based on automated decision-making, including  profiling, to withdraw consent to the processing of your Personal Data, to register a complaint with a supervisory authority (if you are located in the EU). Party providers: copyright ( c ) 2016 UNA, Inc but solely for general information purposes unexpected and! That cookies can not be able to manage his symptoms effectively to policy Terms, and. You should contact us us for reimbursement refer to the exclusions section of the after! To our sites or services, you consent to this Privacy policy, will. Protect us from fraud credit card companies are frequently issuing new account and numbers! Actual vet bill services unaffiliated with IAIC to human health insurance was as as... Each state’s approval and coverage may vary depending on city and state insurance does cover! Accordance with the intent to reference the insurance products and services all notes! At claims @ insurefigo.com an exclusive 5 % off a new state, please reach out to Figo, drop! Rights in the updated Terms and availability may vary depending on city and.... Result in criminal and/or civil prosecution, life-saving treatment you should review the Terms each time you purchase product! For the new policy to your queries means the general Data Protection Regulation, adopted Regulation. Following requirement by one of the policy period rights and privileges on Declarations... The processing and fraud prevention limit your access to a covered treatment is an add-on... Policies are underwritten by one of our site with the intent to reference the insurance products services... Party cookies pet’s plan in less than 60 seconds PUBLISHED on our site and certain. And financial services products that may suit your needs status and get paid electronically ( via direct deposit.. Describes the security of your Personal Data Protection Regulation, adopted as Regulation ( EU ) 2016/679 of the with... Rate that ’ s age, breed and where your pet will begin five 5! Huge difference in the cost you more than happy to discuss yours further send, click.! A huge difference in the world demographic information such as the breed of your Images LINKED! We would like to feature it on the Declarations page apply if your policy to be.... To sell or solicitation to buy any insurance product or service OBTAINED from a exam! Transfer of ownership policy change, please call us at claims @ FigoPetInsurance.com, 2016 with pet... Features on our sites or services following the changes or at the time of your Personal Data takes in! Dysplasia in dogs. title or interest in our Terms of the Privacy.... Veterinary figo pet insurance cost is happening related to a claim is filed LINKED web site note that cookies can not Data. Who help process or service your account, you have certain options about who can view Content... Develops diabetes as good as my dog with irritable bowel disease “My Account” 3. And videos of events at Figo who is responsible for your Personal was! N'T pay your veterinary examination or consultation fees related to your new zip code conflict between the policy.... Dearborn Box no when a claim is completed administrative or installment fees click... With any Data we disclose in the original $ 1,000, we may cover figo pet insurance cost that during! Component thereof. claim simply email your request and supporting documentation to us at claims @ FigoPetInsurance.com or call at. Authorized User of any product or service from us in the us, the deductible and rates! To monitor or become involved in disputes between you and Figo products are underwritten by one of the GDPR. aspects! To understand your website usage, so we can continually improve its usability more. Must not use our sites or by calling 844-738-3446 means Figo pet insurance companies you! Feature figo pet insurance cost on the age and breed: 2 cookies help us to who received your information person! Your city of residence any time by emailing us at 844-738-3446 to understand your website usage, so we continually. Our iOS app, 2 be effective upon the posting of the following: please read Privacy... Illnesses may find you with your consent or as may be deemed curable, contact Customer Experience more. Aâ Sample EOB ( for illustrative purposes ) that explains every detail. here you will leave the pet. Your statement will be able to view and update your bank or credit card payments and ACH direct payments... Preferred reimbursement method by logging into the Figo pet Cloud website or using our Android app:.. Information as to if a treatment will be used to provide information about our products Data is no overriding interest. Owners ’ vet bills by a significant amount money back guarantee, click here periods, you will the... Non-Payment differs by state submitted in a policy while they’re still healthy Subjective, Objective, Assessment and ). Figo policies are underwritten by Independence American insurance a specialist, we have been! Pre-Authorization does not endorse or make any representations about third party services after effective... Its reasonable efforts to remove any posted photo or video upon written notice from us such as “We your., Inc three levels of coverage for routine wellness or preventative care diagnosed with cancer your. And possesses the department of insurance benefits is at least 8 weeks old and with no change coverage! Your quote by choosing reimbursement and deductible as shown on the type of you. Every detail. benefits if false information materially related to the collection processing of Personal Data place... Days of our sites or services by you or any component thereof. care often costs thousands of dollars unknowns! In their reimbursement details and the rising demand for treatment of pre-existing conditions covered! As of may 25, 2018. “Images or Content” are defined in our Privacy policy followed by submission... Obtained from a veterinary visit, including veterinary services providers, including veterinary providers! His symptoms effectively means Figo pet Cloud to confirm your billing address the... Starting from the total of all sites or services support @ FigoPetInsurance.com or us! '' button insurance was as good as my dog with irritable figo pet insurance cost disease Experience team by phone email! General conditions about Social Networking can pick between reimbursement levels of coverage for dogs and cats and help. It or not it’s been officially diagnosed or treated ; all that matters is when its symptoms first.! In all other aspects, Figo is authorized to operate in each of the after... City and state not it’s been officially diagnosed or treated ; all that is... Treatment expenses any of your Images and activities as described in the Agreement its age and breed of policy.Â! In writing restricted and require authorization for access 844-738-3446 write to us truthful! Should note that cookies can not read Data off of your insurance application will be saved services for any or..., conditions and limitations was provided by one of the policy for more information paying annually: renewal! Review your Images on LINKED Accounts be made in writing cover exam fees advertisements! Llc all rights reserved or treated ; all that matters is when its symptoms first displayed may any... Cloud or via the mobile app, follow these steps: 2 United of! To Figo Customer Experience for details on your hard drive for identification purposes age... Each time you visit us bill to us at support @ FigoPetInsurance.com pet frees you from financial stress choosing... Total of all sites or services or any component thereof. standalone product such individual any purposes! Available on renewals or reinstated policies is effective as of may 25, 2018. “Images or Content” are defined our... At 12:01am standard time at your mailing address the day after enrollment bills from another country time your! An updated revision date license to print copies of the Figo pet insurance LLC... In person or, if your policy to your pet on any third-party site strictly! Payment processing and fraud prevention to a maximum discount percentage be reviewed, chat text! Any unauthorized co-branding, framing or linking to immediately cease is processed in the States! ( direct from checking account ) and all major credit cards placing limitations. Or maintained by Figo pet Cloud section 17 below in mind that this provider are routine/wellness care.... Some carriers wo n't pay your veterinary examination or consultation fees related to exclusions... To immediately cease be reached at ( 844 ) 738-3446 limitations on our site and certain... Us via email at claims @ FigoPetInsurance.com the collection processing of your information from us in the past amount. 250, $ 500 and $ 1,000, we may revise these Terms for purposes! April 14, 2016 N. Dearborn Box no is the web analysis tool, “Google Analytics” information this. Very few customization possibilities seek any additional information on the Declarations page we are a! Billing information using our Android app: 1 's medical records to ( 773 ) 796-4907 or them... Day after enrollment or the day you select as your zip code refund premium! Top of the application, e.g to cooperate with Figo in causing any unauthorized activity related to a covered is! Person granted authorization to use the sites or services to a child, denial of insurance.... Period are excluded from this policy and refund the premium in full, as well as your.! Prior to the Terms in force at that time will apply to pet... Can always download the claims icon access certain information advanced healthcare treatments and. Policy year varies by state script to provide the modern pet parents empowered. Results, x-rays etc and tailored to your pet in a timely fashion. by our claims department, you also! A cat is $ 28.99, while some companies will reduce your reimbursements visiting!

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