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How is my reimbursement calculated?

Figo reimburses based on the actual veterinary bill. First, the examiner determines if the invoice is for a covered illness or injury. Then, each line item of the invoice is separated into two buckets “allowed” and “not allowed”. Reimbursement starts from the “Allowed” amount. 

Figo calculates your reimbursement in the following order:

1. The co-pay is applied to the total amount of the covered claim.

2. The deductible (if applicable) is applied.

3. The remaining balance is paid directly to your account electronically, subject to the coverage’s maximum annual benefit. (Physical checks are available by request.)


Reimbursement Example (with an unmet annual deductible)

Vet Bill

$2,100

“Not allowed” as preventative vaccines

-$100

“Allowed” by policy language

$2,000

Co-Pay (10%) of $2,000

-$200

Deductible ($100)

-$100

Reimbursement to You

$1,700

 

 

You Pay $400.00        Figo Pays $1,700

 

Reimbursement Example (with a met annual deductible)

Vet Bill

$2,000

“Not allowed” as preventative vaccines

$0

“Allowed” by policy language

$2,000

Co-Pay (10%) of $2,000

-$200

Deductible ($100)

$0

Reimbursement to You

$1,800

 

 

You Pay $200.00        Figo Pays $1,800

 

Note: Coverage is determined at the time a claim is reviewed by Figo.

Plan Options: Deductibles & Reimbursement Options

Our plans include flexible options, so you can choose the one that best fits your pet. In general, reimbursement levels available are70%, 80%, 90% and 100%, and deductibles range from $50 to 1,500. Note: Deductibles and reimbursement options may vary by pet age and location.

Last updated: Mar 13, 2019 / 11: 18am CDT

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