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Importance of Pet Insurance - YouTube
Channel: Dope Dog
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[Music]
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hey guys
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i'm here i'm michael from dope dog here
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with patrick from
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figo pet insurance he's the lead
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community manager
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and social media manager over at figo
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pet uh
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and we're just gonna go over a few
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questions today that i think a lot of
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people are always wondering about pet
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insurance so the first one i'm gonna
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kick it off to you
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how does pet insurance work yeah
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so i mean pet insurance in general it's
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you it's i like to say that it's a
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preventative
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so preventative measure like you would
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have with your car
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or anything that is like something of
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value
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um so basically five oh we work on a
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reimbursement
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model so we like to give pet parents the
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freedom to seek
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any veterinary treatment um anywhere in
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the u.s canada and puerto rico
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some places will have like caps on like
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who you can visit
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and like how often and such but you know
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we like to think of it
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i mean we understand the pet parents
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lifestyle of like
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you know if something happens you want
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to be able to give the best treatment
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possible
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so if your pet ever requires like
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medical treatment
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for a new injury or illness you'll the
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way it works is
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you take them to the vet um you do
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you get the treatment you see what's
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going on you pay the bill
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in full so that's important you pay we
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have to receive a zero balance
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invoice or bill for us to reimburse and
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then based on your plan
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deductible and reimbursement options we
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can get more into that later too
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um you'll then receive the x percent of
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reimbursement
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for your pets covered vet bills whether
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it's 100
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90 uh 70 it's just based on
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the reimbursement that you pick in your
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plan okay so that so it's based off the
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plan so if i go in and it's a hundred
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dollar bill
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uh is it all just based off of how much
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i my plan is kind of
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uh like the the percentage i chose on my
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pet insurance
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right right so i can kind of give you i
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can give you an idea of mine so i
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chose um i chose like a higher
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deductible
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so i so with my dog pepe
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um i had to meet that deductible for the
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entrance to kick in
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similar to like our intro our human and
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kick in right
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so then um you know when i took him to
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the vet
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he had something going on with his toe
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all of that was like
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300 and so i had
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like a 90 percent um reimbursement so
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then
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90 percent of that 300 was reimbursed to
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me
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and are there cutoffs for ages and pets
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because i know a lot of aging dogs like
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my guy back here james he's 11 now and i
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tried to get insurance recently but then
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i realized
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he probably can't get it because he's a
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little too old so that's a common that's
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a kind of common misconception
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the there is a caveat to that no we
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accept all
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um we accept all like ages um
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i think the thing to note about that is
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the pre-existing conditions part right
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so
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that is i think the hardest thing about
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pet insurance is
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we're not the only ones that do this i
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mean like i think every single pet
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insurance does this is
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we um we can't accept like pre-existing
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conditions so i mean if your dog is
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older
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more than likely they have pre-existing
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conditions and like something
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for example something would be like hip
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dysplasia or cancer or something like
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that
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i mean um it's really just dependent
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um we like to say get um pet insurance
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any time like when you're comfortable
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and like you know as soon as possible
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so you can ensure that like you're set
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up in your pet is
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set up for success and are there
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different prices
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based off the age of the dog so say the
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dog's just a puppy
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and maybe a three-year-old is there a
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different tier pricing or
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is that any different sure so that's
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another thing
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with like average cost versus like the
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pricing point so
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um it's really dependent on your pet and
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the plan so
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our plans like i said are highly
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customizable based on like your
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deductible reimbursement
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all of that um the kind of the
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journey that like a pet parent will go
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on to get
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their exact quote was you'd go to pet
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fico pet insurance dot com and then you
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put in your
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pets breed gender location
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um free gender location age
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and then the quote will be given to you
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that way
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so the price is really just dependent on
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that
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like i said the breed age location and
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gender and does figo
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does figo cover all types of animals you
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know to birds to
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you know reptiles okay well like
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dogs um no we wish we could cover your
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unicorn in your lizard
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yes no um i know some some do but we
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only cover cats and dogs right now
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okay and uh if you hear any like barking
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or whimpering
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my dog pepe likes to bark and asleep a
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lot so
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yeah a lot of dreams just running around
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right i know i'm like
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this must be great dreams yeah so tell
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us about
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um figo cloud because i thought that was
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really uh interesting
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yeah so i think that's like you know
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just being in the
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digital age that we're in i think the
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pet cloud is something that really drew
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me to figo and i think draws a lot of
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people to figo
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so i mean you know we have our apple
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cloud
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for our like your iphone cloud whatnot
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where all your data and documents is
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stored so with
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with the fibo pet cloud it connects you
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to people connects you to places
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all things regarding your pets and other
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pets so it has
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upcoming reminders it has dogs cats
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um breeds like any similar breeds or any
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animals near you that also have fibo pet
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insurance
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um it's kind of like instagram where you
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can upload your
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um your photos of your pet and caption
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it
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you can see pet friendly um pet friendly
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restaurants cafes bars near you
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but the best thing about it is that like
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all your documents are stored on there
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so you don't have to
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continuously like upload and upload
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things
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um but so like your medical records are
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on there your
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your adoption records are on there um
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your
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insurance policies on there your claims
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all of that are on there
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um and our up our claims process is
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i like to think is is incredibly
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seamless so it's
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on the app and you just basically use
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our ai feature
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named evie and evie will just say hey
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you have a claim coming for
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pepe and then you enter in what the
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amount was
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what happened you give us a short
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description of what happened
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um and then once you tick all those
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boxes of submitting a claim
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it goes to our claims team and um the
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claims are usually processed we like to
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say within like
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three to five days um you know faster
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if you upload if you provide the medical
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records and the vet notes
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um and if you've had a claim before
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but obviously with new claims everything
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takes a little longer because we have to
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look through
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all of your um medical records and
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history
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sure um and then what is the difference
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between
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a wellness plan and an insurance plan i
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don't know if figo does that but i was
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looking online just kind of researching
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pet insurance and this came up a lot
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yeah no definitely that is a big
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that is a big term so that's something
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that we are
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working on and figuring out at figo's
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wellness but
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what i can tell you about wellness
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versus pet insurance is
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pet insurance is preventable preventable
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so um and that in our experience it's a
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bit easier to manage your pet's
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annual routine wellness healthcare out
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of pocket since those do come
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at the same time like each year as
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opposed to like illnesses and injury
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which can occur
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like any time um we could cover any type
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of new illness or injury no matter
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like the size of it as long as it's not
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a pre-existing condition
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but that's kind of the and that's kind
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of the difference is insurance is
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preventative measures and wellness
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is like annual routine your dog always
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has to get an annual check your pet
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always just get an annual checkup
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and are there any um i mean
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i was gonna say is there any illnesses
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or anything
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ahead of time like if you just got a
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puppy and adopted it is there anything
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you guys want except like oh it came
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with
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uh you know some worms or something in
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its gut like
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is that a pre-existing at the time
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because i know these are just weird like
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i
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had a lot of friends that recently got
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dogs and cats right and
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they all get them and oh they have this
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issue and i didn't have pet insurance am
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i still able to get pet insurance
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and i said i don't i don't really know i
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don't know if that's like are they going
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to cover that in the future
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so these are just some common things
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that i've seen in my life
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for sure um so we we have all this
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listed on our website too
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we have like a comprehensive coverage
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page you can see what's covered what's
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not covered you can get full
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coverage details because also it is zip
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code dependent
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okay um and our also our customer
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experience team
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is like so knowledgeable about what is
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and what's not covered and just in
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all of us and like everything in general
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so yeah you always get in touch with
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them
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but what i can tell you about like
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existing conditions like something like
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parasites
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or um like in terms of what's not
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covered like most parasites
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routine dental care supplements or
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like experimental procedures staying
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neutering
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um but pre-existing conditions can be
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kind of
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an ambiguous term so yeah i think um
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you know always to play it safe is like
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get in touch with
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your vet and the pet insurance company
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um before you like sign up just so you
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know
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and like also we like to be transparent
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as possible so we
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look through your medical records to
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tell you hey this might be deemed a
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pre-existing condition we want to let
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you know before you sign up
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great well patrick i think those are all
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my questions did i miss anything
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anything good that uh we should mention
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real quick
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let me look um
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so i mean i think we yeah i mean i think
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we really did answer
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anything i mean everything i think just
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the biggest note is that like
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pet i think pet insurance is worth it
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because um
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i mean it's expensive it's i mean it's
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an investment having a pet and a dog
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i mean and i've known people whose dogs
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have had to have
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acl surgery and it's been like six to
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fourteen grand
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and they didn't have headphones and
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that's out of pocket
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um but with pet insurance luckily i mean
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that can help so um
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i think yeah it's it's it's up to
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everyone but
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i mean i think it's it's there it's it's
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a good it's a good thing to have
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i agree yeah because uh my my dog james
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back here he's sleeping but he had two
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acl surgeries
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uh like at the age of two and three and
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it was out of pocket and that's why i
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think a lot of insurance
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now probably you know won't cover that
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but i just
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know that if i ever get another dog like
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we got a little puppy a few years ago we
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got her insurance and
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you know i wanted to because i knew that
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it cost so much money
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going for the vet and getting that done
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yeah it was scary
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and you're just like all right i'll give
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you the money like here you go but
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having insurance is a hundred percent
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worth it because you really never know
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what's gonna happen
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right and it's nice it's nice to have
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you know the ability to make those
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choices
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for your pet like and i mean i know i'm
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not even saying this as
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like a representative of five i'm saying
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this as a parent
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i've like thought about this when
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they're like this is well they'll slide
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you the bill and you're like
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oh god okay well i mean it's my dog of
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course i'm gonna pay it like i'm not
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gonna do it like of course so
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it's nice that you have that like back
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up yeah
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well patrick thank you so much for uh
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for joining us today
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and uh we're it's anxiety week all week
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so there'll be tons of information out
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on our instagram and your instagram and
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everybody can check out fico pet
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insurance and
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uh get your dog insured today
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that was good wow are you salesman
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all right thanks
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