14 Best Pet Insurance Plans Worth Buying Before Your Pet Gets Sick

8. Figo Pet Insurance - Cloud-Based Innovation and 100% Reimbursement

Figo Pet Insurance stands out in the marketplace through their cloud-based technology platform and unique 100% reimbursement option, making them an attractive choice for tech-savvy pet owners who want maximum coverage flexibility. Their comprehensive accident and illness plans can be customized with various deductible levels ranging from $100 to $750, and they're one of the few insurers offering 100% reimbursement after the deductible is met, though 70%, 80%, and 90% options are also available. Figo's coverage includes accidents, illnesses, hereditary conditions, chronic diseases, prescription medications, diagnostic tests, surgeries, alternative therapies, and even boarding fees if the pet owner is hospitalized. The company's Figo Pet Cloud provides a centralized platform for managing pet health records, insurance claims, and veterinary communications, creating a comprehensive digital ecosystem for pet care management. Their 24/7 live vet chat feature connects pet owners with licensed veterinary professionals for immediate guidance and peace of mind during health concerns. Figo offers annual coverage limits ranging from $5,000 to unlimited, with no lifetime caps, ensuring long-term protection for pets with chronic conditions. Their claims process is streamlined through their mobile app, with most claims processed within one to three business days. The company's focus on technology integration extends to their partnerships with veterinary clinics, enabling seamless communication and record sharing that benefits both pet owners and veterinary professionals.