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      April 8, 2020

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Figo vs 24 Pet Watch

Best Pet Insurance

To help you find the Best Pet Insurance, TopConsumerReviews.com provides you with an in-depth comparison of Figo and 24 Pet Watch.

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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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Best Reviews

2020

Pet Insurance Reviews

4 stars
Figo

FIGO

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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 wants to revolutionize the pet insurance industry. As the creator of the first cloud-based approach to pet policies, they've made it easier than ever to keep your pet healthy and happy - and to submit claims for fast payment.

Figo is the only company in our review that offers plans with 100% reimbursement on qualified claims. Combine that with an unlimited annual coverage plan and your pet could be extremely well-covered in the event of a life-threatening accident or disease. Although some customers reported that claims processing had slowed down in recent months, Figo has been quick to respond, apologize, and reassure policyholders that they've gotten it worked out. The most recent customer comments we found confirmed that: claims are being processed and paid in less than a week.

Some pet insurance companies include reimbursement for veterinary exam fees, and others do not. Figo splits it down the middle: if you'd like that coverage for accident and illness visits, you can opt in for an extra premium each month. On a puppy policy, for example, you'd pay less than $2 per month for that additional coverage.

At the bottom of the main quote page, we also saw that Figo wants you to contact them if you adopted from a shelter or rescue, if you're a veterinary student or staff at a veterinary practice. Why? To give you an additional discount! You'll also save 5% if you pay for a full year of coverage in advance, rather than month-to-month. All plans have a $9 administrative fee for starting the policy.

Figo's premiums are very affordable. Using our own furry friend, a 7-year-old male Boston mix, we'd pay $13.18 for a policy with a limit of $10,000 in annual benefits, reimbursement at 70%, and a deductible of $1000. Veterinary exam fee coverage would be an extra $2.64 per month with that plan. On the higher end, we could cover him with a policy offering unlimited annual benefits, 100% reimbursement, and an annual deductible of $200 for just $52.41/month. That premium is an amazing rate, given that most competitor plans at those levels cost twice as much, if not more. Even adding the veterinary exam fee coverage, we'd still pay less than $65 per month.

Once you've entered your information, Figo makes it very simple to see what you can expect in terms of waiting periods. Just look on the right side of the page. Your pet will need to have been seen by a vet in the last 12 months, because Figo requires you to submit those records to process any claims. But, if your pet hasn't had an exam in the last year, you can still sign up for the policy and take him or her to the vet during the mandatory 14-day waiting period. If knee coverage is important to you, you can waive the 6-month waiting period if your pet has a clear exam within 30 days of your policy start.

We did find one feature disappointing when it comes to reimbursements, Figo utilizes a "copay then deductible" model. This actually costs you a little more out-of-pocket for each claim than other pet insurance companies who follow a different model.

Unfortunately, if you're looking for routine/wellness coverage, you won't find it at Figo. These plans can typically save you between 10-20% a year on regular pet exams, office visits, and other costs to maintain the health of your pet. We're not sure if Figo has plans to introduce this in the future, but as of this review they don't offer any plan with this option.

Although every pet insurance company receives its share of complaints regarding denied claims due to pre-existing conditions or premium increases, Figo gets fewer of those than their competitors. It was much easier to find happy customers than unsatisfied ones.

Figo has excellent, affordable coverage options, straightforward pricing, and a cloud-based way to manage your pet's health. This "A" rated, BBB accredited company should be on your short list when it comes to your pet's accident and illness pet insurance plan.

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1.5 stars
24 Pet Watch

24 PET WATCH

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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

When we first considered 24 Pet Watch several years ago, their hard-to-use, incomplete website was an immediate turn-off. Since then, this provider of both pet insurance and microchip plans has improved their site by leaps and bounds, making it easier to see what they have to offer.

But, you'll still have to jump through quite a few hoops to determine what your premiums will be. You can enter your state and download a sample plan if you want an overview before giving them your contact information, but the simplest route is to choose the Get a Quote button. You'll be asked to provide basic details like your pet's breed and gender, birthdate, and if there are any preexisting conditions. Got a microchip? Enter the number during the quote process and get a 5% discount.

What will you pay for an insurance plan? That depends on where you live, so take the following prices just as a ballpark estimate:

  • Essential: for $18.36/month and a $100 deductible, our dog was covered for Hospitalization/Surgeries, Hereditary/Congenital Conditions, Physical/Rehabilitative Therapies, Lab Tests/X-Rays/Ultrasounds, Medications, Accidents and Illnesses, Alternative Treatments, Ambulance/Paramedical Services, Exam & Diagnostic Fees - up to a yearly limit of $1500
  • Extra: for $27.62/month, our dog would be covered for all of the same items in the Essential plan, but with an increased annual coverage limit of $3000.
  • Classic: again, this plan covers the same things, but increases the monthly premium to $38.74/month and the annual limit to $5000.
  • Super: $46.12/month gives you the same coverage, but with an annual limit of $10,000/year
  • Champion: to have a total coverage limit of $20,000 per year, expect to pay somewhere around $63.15/month.

Be aware that none of these plans cover wellness services, like vaccinations or annual checkups. If you want coverage to help pay for dental cleaning, heartworm tests, or fecal screening, you'll need to add either Wellness Care Routine or Wellness Care Advanced to your plan, at a cost of $12 or $26 extra per month, respectively.

Pet insurance is worth the money if you get what you pay for. Unfortunately, we found many complaints about 24 Pet Watch's ability to deliver service on the plans they sell. More than one customer said that their premiums almost doubled unexpectedly, or that a plan they'd been paying on for years was cancelled out of the blue. Even worse, some people were told that their coverage had been terminated only when they called to make a claim - but they had been paying their premiums on time and had no reason to think they were no longer covered.

24 Pet Watch also has no rating with the BBB.

With so many companies offering reliable, affordable pet insurance, 24 Pet Watch just doesn't measure up. We think you'll find greater peace of mind with one of the higher-ranked pet insurance providers in our review.

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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!

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