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Home > Insurance > Does Figo Pet Insurance Cover Emergency Visits? 2023 Update

Does Figo Pet Insurance Cover Emergency Visits? 2023 Update

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Emergencies can happen to anyone and at any time. This is especially true when it comes to our pets. While we hope that nothing bad will ever happen, it’s important to be prepared for the worst-case scenario. That’s why pet insurance is so important.

If your pet ever needs emergency care, you want to know that you won’t have to worry about the cost. Pet insurance can help take the burden off of your shoulders, so you can focus on your pet’s health instead. One of the top providers of pet insurance is Figo and yes, Figo Pet insurance does cover emergency vet visits.

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So, Does It Cover Emergency Vet Visits?

Figo Pet insurance does cover emergency vet visits. Based on their policy information website, here’s what is covered with a Figo base plan:

  • New illnesses and accidents
  • Diagnostic tests related to illnesses/accidents
  • FDA approved prescription medication
  • Surgeries and prosthetics
  • Chronic conditions
  • Emergency services
  • Hospitalization
  • Advanced treatments
  • Hereditary and congenital conditions
  • Knee conditions
  • Hip dysplasia
  • Cancer treatments
  • Veterinary specialist treatments
  • Imaging
  • Laboratory and diagnostic testing
  • Non-routine dental
  • Rehabilitation
  • Mobility devices
  • Holistic and alternative treatments
  • Euthanasia

Figo’s base plan is one of the most comprehensive pet insurance plans on the market, but there are still some things that it doesn’t cover, including:

  • Pre-existing conditions
  • Preventative care
  • Routine dental care
  • Prescription foods
  • Spaying and neutering

However, when it comes to emergency coverage with Figo, there are some additional things you need to know.


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What You Pay Out of Pocket

Even with pet insurance, you will still have to pay something out of pocket for your vet visit. Your insurance company will reimburse you for a portion of the cost, but you will be responsible for the rest. The amount you have to pay out of pocket will depend on your deductible, co-insurance, coverage limits, and types of care your pet needs. In the event of emergency with your pet, how much you still have to pay depends on your policy.

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Pet Insurance Waiting Periods

Here’s what you need to know about Figo’s waiting period for emergency vet visits. There is a one-day waiting period for accidents and a 14-day waiting period for illnesses. This means that if your pet needs emergency care within the first day of your policy, Figo will not cover the cost.

When using your Figo Pet insurance for an emergency vet visit:
  1. You’ll need to have the “Wellness Plan” in order to have coverage for an emergency vet visit.
  2. The coverage is subject to a deductible and co-pay, just like with other types of insurance.
  3. There is a limit to the amount of coverage you can receive per year for emergency vet visits.

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General Pet Insurance FAQ

What is pet insurance?

Pet insurance is when you pay a company money each month and if your pet ever gets sick or has an accident, the company will help pay for the vet bills. This is helpful to have if your pet ever needs to go to the vet because it can be expensive. Pet insurance is best for people who have pets that might get sick or hurt often.

How much does pet insurance cost?

Pet insurance can be expensive, but it’s worth it to know that you won’t have to worry about the cost if your pet ever needs emergency care. The cost of pet insurance will vary depending on the coverage you choose, but most plans start at around $20 to $30 per month and can exceed well over $100 if you add all the extras.

There are also a number of things that can affect the cost of pet insurance, including your pet’s age, breed and health history.

What does pet insurance cover?

Pet insurance covers a wide range of veterinary services, from routine check-ups to emergency procedures. This can be helpful in case your pet ever needs urgent care.

Most plans have a deductible and co-payment, so you will still have to pay part of the cost of the vet bill yourself. There is also usually a limit to how much the insurance company will reimburse you for each year. However, pet insurance is still less expensive than paying for vet bills out of pocket.

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What is not covered by pet insurance?

There are a number of things that pet insurance does not cover, such as pre-existing conditions, routine care, and dental care. So, before you buy a pet insurance policy, make sure you read the fine print and understand what is and is not covered. This way, you’ll know exactly what to expect if your pet ever needs to go to the vet.

How much will I have to pay out of pocket for my pet’s emergency vet visit?

Most plans have a deductible and co-payment, so you will still have to pay part of the cost of the vet bill yourself. There is also usually a limit to how much the insurance company will reimburse you for each year. The cost can vary depending on the plan you choose.

Do I need pet insurance?

There is no one-size-fits-all answer to this question, as the decision of whether to get pet insurance depends on a variety of factors, including your pet’s breed and age, and the type of care you’re likely to need.

That said, pet insurance can be a helpful way to offset some of the costs of veterinary care. And most plans cover a wide range of services, from routine check-ups to emergency procedures. So, if you’re ever unsure about whether you can afford to take your pet to the veterinarian, it might be worth considering getting pet insurance.

Is Figo Pet Insurance a good company?

Yes, Figo Pet Insurance is a good company. They offer comprehensive coverage for pets and have a wide range of policies to choose from. They also have a customer service team that is available 24/7 to help you with any questions or issues you may have.

Keep in mind, however, that every pet insurance company has different policies, so be sure to read the fine print and understand what is and is not covered by the policy before you sign up.

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Conclusion

No one ever wants to think about their pet getting hurt or falling ill, but it’s important to be prepared for anything. Figo Pet insurance can help take the financial burden from your shoulders in case of an emergency. So, if you’re looking for the peace of mind that comes with knowing that your pet is covered in case of an emergency, Figo is a great option to consider. Just make sure you read all the fine print and understand what you’re signing up for and how to use it.


Featured Image Credit: thodonal88, Shutterstock

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