Pet Insurance policies are underwritten by Independence American Insurance Company.
Pet Insurance policies are underwritten by Independence American Insurance Company.
It’s simple: we need a confirmed list of all vets seen (including emergency and specialty hospitals) either since adoption or within 12 months prior to policy inception. See “Where do I send them?” below.
For a speedy claims turnaround experience, please ask your vet(s) to send over the last 12 months of medical records (prior to policy inception) including notes and DOB/adoption date.
No worries! Just have your vet(s) send us all records from your pet’s first visit (since birth or adoption) to present.
That’s great! Simply reply to this email to confirm the approximate date of adoption and a confirmed list of all veterinarians(s) seen from adoption to the present. Please also include rescue records and full medical records from all vet(s) seen from adoption to present.
No big deal. Reach out to all veterinarian(s) seen in the last 12 months (including ERs and specialty hospitals) and request they send us your pet’s complete medical records. Then, reply to this email with the full list of vets visited in the last 12 months.
Upload: your pet’s medical records into your Figo Pet Cloud via the "Inbox & Docs" section, in the "Medical Records" folder. You or your vet can also send medical records to your Pet Cloud directly using your personal Pet Cloud Email Address. This email appears on your profile.
iOS users: Click the "More" section on the bottom right corner.
Android/Desktop users: Check the page header after logging into your account.
Fax: You or your vet can fax the medical records to us at (773) 796-4907.
Email: You or your vet can email the records to us at records@ifigo.com or simply reply to this email and attach the records.
Upon your first claim!
Unfortunately, no. This answer can be frustrating, but the truth is that most pet insurance companies do not provide coverage for them. Think of it this way: If your car is damaged, you couldn’t buy an insurance policy after-the-fact and expect the provider to pay for repairs the very next day. Insurance is meant to protect you from unknowns, and you can’t protect yourself against something that already happened or is happening.
There are certain instances where Figo may be able to cover a pre-existing condition. A pre-existing condition may be covered if curable and the pet hasn’t received treatment or shown symptoms for a period of 12 months.
Our team examines the past 12 months of your pet’s medical history and vet notes, from the start of their Figo policy, to determine if something is considered pre-existing. If your dog or cat is less than a year old, we’ll take a look at all available records.
Still confused? Here’s a hypothetical situation. Let’s say your Cocker Spaniel puppy is treated for Giardia pre-policy, and three weeks after you enroll her, she develops a case of some particularly watery runs (poor pup). Her diarrhea may be considered a pre-existing condition because it’s a clinical symptom of Giardia, an ailment she’d been suffering from before her policy went into effect. Thus, it won’t be covered. If your vet says the watery runs were caused by a new condition, we could cover that.
Make sense?
Last question:
Absolutely! You have 90 days after your claim is denied to appeal the decision with all Figo plans. Policyholders who go this route are encouraged to request additional paperwork from their vet to support their appeal.
Have questions about your pet’s possible pre-existing conditions? You can always drop us a line to discuss further; however, we will not be able to guarantee coverage for future claims.
