Figo vs 24 Pet Watch for July 2021 | Best Pet Insurance Companies

Item: Figo vs 24 Pet Watch
Rating: 4

Thursday, July 29th

2021 Pet Insurance Company Reviews

Figo

Cost: Plans starting at $5.04 for kittens and $9.28 for puppies
Unlimited annual coverage available
100% reimbursement available
One-time admin fee of $9

Figo's pet insurance plans are easy to understand and very affordable: the only policies on the market that include a 100% reimbursement option, in addition to unlimited annual coverage limits. The only thing missing with this provider are routine/wellness care options. In all other aspects, Figo is a first-rate choice for pet insurance.

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24 Pet Watch

Cost: Monthly premiums from $18.36 to $63.15
Wellness coverage add-on for $12 to $26/month
Deductibles ranging from $100 to $1000
Co-payment of 20% on each eligible claim

24 Pet Watch has been providing pet insurance as a subsidiary of Pethealth Inc. since 2003. Although they've come a long way - updating their website and making it much easier to purchase a plan - numerous customer reviews still put this provider well behind the pack, citing unexpected increases in premiums, dropped coverage, and denied claims. We recommend that you choose a pet insurance company with a stronger reputation.

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The 12 Best Pet Insurance Companies

Who Has the Best Pet Insurance?

Medical care is rarely cheap - and the same goes for our four-legged friends. While pet owners are grateful for advances in technology and medicine that make it possible to keep their "fur kids" healthy, these procedures and prescriptions often come with a hefty price tag.

Without pet insurance, a simple blood test can cost well over $200. Even a standard yearly checkup can set you back by hundreds of dollars. How's your wallet feeling now? Chances are, you would do almost anything to take care of your beloved pet - but you might find yourself having to make difficult choices, especially if your dog or cat experiences a traumatic injury or life-threatening illness.

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What are the best Pet Insurance Companies

Pet Insurance Company FAQ

Can I obtain insurance for my older furry companion? Are there age restrictions?

Generally speaking, all ages are welcome when it comes to providing your pet with pet insurance. As the pet gets older rates may be more expensive than if you would have gotten coverage at a younger age. Please keep in mind some companies have age restrictions for when they can accept a dog or cat into their insurance plan. Typical restrictions are around 12+ years of age.

Why should I get pet insurance?

No one can forecast when your dog or cat is going to digest something they shouldn't have or have an accident related injury. Luckily, pet insurance helps to protect the pet owner against unexpected veterinary bills that can reach into the $1,000s.

I have a puppy, when should I get pet insurance?

It is recommended to get pet insurance before winter or summer seasons. During those seasons, there are more dangerous elements that are exposing your pet to potential illness and accidents. As far as age goes for the puppy, insurance companies recommend getting your pet insurance when your new best friend arrives home.

What kinds of pets can be insured?

Typically, insurance companies only insure cats and dogs. But some companies will insure dogs, horses, other large animals, cats, other small animals, rodents, reptiles, and birds.

How do I file an insurance claim?

Depending on the company, a pet insurance claim can be sent via several different methods. Methods can include email, fax, or regular mail. When completing a claim make sure to include all of your paid vet bill invoices, and any other required documents. When the claim is processed it will either be accepted with a reimbursement, more information needed (i.e. incomplete claim form), or denial (i.e. due to non-coverable services)

Can I use my pet insurance nationwide?

Of course, your pet insurance travels with you, wherever you go. Some insurance companies may have restrictions when it comes to international travel. Make sure to check with your pet insurance company if you plan on taking your furry friend across the border.

What is not covered by pet insurance?

It depends greatly on which company and plan you decide to go with. Most pet insurance companies cover accidents and illnesses after a waiting period. If the illness is a preexisting condition, you're likely not to receive any coverage. It's important you understand the fine print of any plan you may decide to go with.

Do most vets accept pet insurance?

In general, veterinarians do not handle pet insurance claims. Veterinarians and the owner make choices for the pet's medical care and overall health. If the care is covered by the insurance, the insurance company will reimburse the owner a percentage of the bill (depending on the chosen insurance plan's coverage) after the care and service has been performed.

Continued from above...

Just like their owners, pets can be protected with pet insurance plans that help ease the financial strain of medical care. Pet insurance has become very popular in the last few years, with dozens of companies offering to help you keep your pet healthy for a long time. But, every pet insurance plan is different with respect to deductibles and fees, covered services, and claims processing.

As you decide which pet insurance company is the best fit for you and your pet, keep in mind the following criteria:

Cost. What will you pay for your coverage? Is there a deductible, and is it annual or per incident? Will you pay any enrollment fees?
Coverage. What services and procedures are covered in the plan you have selected? Does it cover preventative measures like annual checkups? Are there any noteworthy exclusions? Does the company offer a variety of plans to meet your needs?
Reputation. Is the pet insurance provider rated by the Better Business Bureau? What do other customers say about their experience? Are claims paid quickly, or do you have to jump through a lot of hoops to file paperwork? Do many claims get denied? Are the company's customer service representatives knowledgeable and friendly?

TopConsumerReviews.com has reviewed and ranked the best Pet Insurance companies available today. We hope this information helps you find the best pet insurance plan for you and your animal companion!