Latest news with #Figo
Yahoo
6 days ago
- Business
- Yahoo
Figo pet insurance review 2025
Figo rating: 2.7 out of 5 stars Figo provides a solid range of coverage, although there are a couple of downsides. You'll have to buy 'Powerups' to add coverage for vet exam fees and alternative care (such as acupuncture, chiropractic, and magnet therapy). Figo's average costs are also high, coming in at 14% above average in our evaluation. But Figo does have some pluses to consider. It's the only pet insurer in our analysis with a 100% reimbursement option available, although you can't get the unlimited annual policy with 100% reimbursement. Figo also has a low $100 deductible option if you're looking to keep out-of-pocket costs minimal, but you can't combine it with the 100% reimbursement level. If you're worried about exclusions for preexisting conditions, Figo has an advantage if the condition is curable. If the pet's condition has been cured and there have been no symptoms or treatment for 12 months, the condition will no longer be excluded from coverage. (This does not apply to ligament and knee conditions.) Learn more: How does pet insurance work? A complete guide. Pros Diminishing deductible feature reduces your deductible by $50 each consecutive year you have no claims until it reaches $0 Behavioral therapy is covered, but only up to $500 a year Includes coverage for dental illness like gingivitis and periodontal disease Prescription food can be covered if you buy the Powerup for vet exam fees Covers euthanisia 5% military discount available Cons High average costs Add-ons required for vet exam fees and alternative care treatment Annual maximum limit choices: $5,000, $10,000, unlimited Deductible choices: $100, $250, $500, $750 Reimbursement choices: 70%, 80%, 90%, 100% For accident coverage: 1 day (waived in some states) For illness coverage: 14 days Special waiting period: 6 months for cruciate ligament issues in dogs. This can be waived if the dog passes an orthopedic exam (rules vary by state). Minimum pet age: 8 weeks Maximum pet age: None Figo's comprehensive pet insurance policy covers a broad range of potential problems. It does not offer an accident-only policy, but you can add a wellness plan to help pay for routine care expenses like vaccinations. Learn more: Does pet insurance cover vaccines? Hereditary and congenital conditions Cancer Diagnostics such as X-rays, CT scans, and ultrasounds Dental accidents and illnesses Behavioral therapy for issues such as aggression, anxiety, and destructive behavior Prescription drugs Euthanasia (when necessary for humane reasons) Figo's Wellness Powerup will give you coverage for: Routine exams Spaying/neutering or teeth cleaning Vaccines Blood tests Microchipping Deworming Figo doesn't cover any preexisting conditions with the exception of curable conditions. It defines a preexisting condition as one of these: A chronic condition observed by you or a vet prior to the plan start date or before the end of the waiting period An illness or injury that first occurred or showed symptoms within the 12 months prior to the policy start date or before the end of the waiting period An undiagnosed condition with the same clinical signs as those above Figo will cover curable preexisting conditions if your pet has been symptom-free and treatment-free for at least 12 months prior to the plan start date. This doesn't apply to ligament and knee conditions. Figo customers get access to a 24/7 vet helpline with unlimited use. If you have questions about your pet's health, behavior, or an emergency issue, you can chat live with a veterinary professional at any time through Figo's Pet Cloud mobile app. Learn more: Your guide to what pet insurance covers Figo pet insurance doesn't cover expenses such as: Preventative care, like wellness exams and vaccines Rehab and physical therapy Vet exam fees (unless you add separate coverage) Holistic and alternative treatments Behavioral problems Air ambulance and non-emergency pet ambulance transportation The cost of disposing of a pet's remains, unless you add Final Respects coverage Boarding Cosmetic and elective surgeries Injuries or illnesses caused by negligence or endangerment of your pet, such as organized fighting Medical costs that arise from ignoring a vet's recommended treatment Grooming Natural supplements and vitamins Illnesses that could have been prevented by a vaccine recommended by your vet, but that you refused Pregnancy and breeding Vet house calls, unless the vet says it was essential in an emergency Treatments related to parasites such as heartworms, fleas, and ticks unless there was no preventive medicine for the parasite. Increases. You can increase your coverage when your policy renews. You can only add a Powerup (additional coverage packages), such as wellness coverage, at the time of renewal. If you increase your coverage, it will reset the waiting periods and preexisting condition exclusions. Decreases. You can decrease your coinsurance, deductible, and plan at any point during the policy period. However, you can only drop optional endorsements when your plan renews. We found that Figo's average pet insurance premium is much higher than many of its competitors. Based on our evaluation, Figo's average rates are 14% higher than the average for a policy with $5,000 in coverage. Learn more: Is pet insurance worth it? How to decide. For a policy with unlimited coverage, Figo's rates were 14% above the average in our analysis. Yes, Figo offers a 5% multi-pet discount when you insure more than one pet. Most pet insurance companies offer a multi-pet discount of 5% or 10%. No, Figo doesn't have a system for paying vets directly. It operates on a reimbursement model where you pay the vet bill and then submit your invoice for reimbursement. Learn more: Pet insurance that pays the vet directly Here's how to file a pet insurance claim with Figo: Submit a claim online. The quickest way to submit a claim is through the Figo Pet Cloud app or their website. Select the 'Claims' icon, then answer the questions and attach a copy of your paid invoice. The final step is to have your vet send Figo your pet's medical records so they can verify treatment. Other ways to submit a claim. If you prefer, you can download the claim form and email it to claims@ or fax it to 773-966-0769. You can call the customer service team at 844-738-3446 for help with claims. To get reimbursed, you must submit a claim within 180 days from the date of the vet visit. Figo will reimburse you for approved vet claims within 30 days of receiving documentation, but the company says that most claims close in less than three business days. You can choose to get reimbursed with a paper check or an ACH deposit. Figo's Pet Cloud mobile app allows you to file claims, chat with a licensed veterinary professional 24/7, store digital vet records, connect with other pet parents, and more. Users give the Pet Cloud app good reviews. Figo mobile app ratings: Apple App Store: 4.8 out of 5 stars Google Play Store: 4 out of 5 stars Learn more: The best pet insurance companies Figo doesn't require a vet exam to buy its pet insurance. Here's how to get in touch with Figo's customer service team: Call 844-738-3446 or text 844-262-8133 Monday through Friday (7 a.m to 7 p.m. CT) and Saturday (7:30 a.m. to 4 p.m. CT) Figo's fax number is 773-966-0769 Email support@ To cancel Figo pet insurance, call, email, or write to the company. If you cancel the policy within the first 30 days and you haven't filed any claims, you are entitled to a full refund. After 30 days, refunds are calculated on a daily pro rata basis. Amy Danise and Tim Manni edited this article. We researched the coverage details and prices for 15 pet insurance plans. We then weighted categories, and each pet insurer was scored relative to the others to find the best pet insurance companies. Here are the factors we incorporated. Coverage types: 40% of score. We examined the coverage provided by the base policy without the extra cost of add-ons. This encompassed coverage for alternative therapy, behavioral therapy, dental illness, euthanasia or end-of-life expenses, exotic pets, hereditary and congenital conditions, preexisting conditions, prescription food and supplements, veterinary exam fees, and advertising/reward for lost/stolen pets. Average cost: 30% of score. We evaluated costs in five states for $5,000 and unlimited coverage for a mixed-breed dog (age 1), a French bulldog (age 5), and a Labrador retriever (age 8). Unlimited coverage option: 10% of score. We gave points when pet insurers offered an unlimited annual limit (or a $100,000 limit), which gives pet owners the most robust financial protection possible in the event of a catastrophic pet medical issue. Direct payments to the veterinarian: 5% of score. We gave points to pet insurers that state on their websites that they accommodate direct vet payments. No special waiting periods for special conditions: 5% of score. We gave points when pet insurers have no waiting periods for special conditions, such as cruciate ligament conditions. Routine wellness plan: 5% of score. Companies that offer a routine wellness plan in addition to pet insurance received points. Multi-pet discount: 5% of score. We gave points when pet insurers offered a discount for insuring multiple pets.
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Business Standard
01-05-2025
- Automotive
- Business Standard
Ford starts preparatory work to resume operations at its Chennai plant
The automobile company also finalised the components to be manufactured from the Chennai facility and it may resume work in the second half of 2025 New Delhi The US automaker Ford has started the preparatory work to restart the first phase of its operations at its Chennai plant, Tamil Nadu Industries Minister TRB Rajaa said on Wednesday, according to a report by The Financial Express. 'There was some slowdown (in the process) due to the regime change in the US, but now things are back on track,' Rajaa said. According to the news report, the automobile company also finalised the components to be manufactured from the Chennai facility, and preparatory work is underway for the same. However, it is still not clear if Ford would resume full vehicle production as it was planned. Citing the government official, the report mentioned that Ford may resume the manufacturing work in the second half of 2025. Trump tariffs affect After Trump imposed tariffs on several countries, it affected all of the industries globally, especially major sectors like the automobile industry. From imports and exports to manufacturing, companies are unable to take decisions, as many countries are still in conversation with the US to secure a trade deal. These talks are aimed at avoiding the high import tariffs imposed by Trump. US auto major Ford is also impacted by this uncertainty in the global market. According to the report, the company had a limited plan to export engines, gear systems, and transmissions instead of manufacturing complete cars. However, this limited plan still ran into trouble when the Trump administration put a high 25 per cent tax on imported cars and major parts, making it unclear if using India as an export base would still make sense. But in a big policy change, Trump signed orders on Tuesday that reduce some of the pressure. The 25 per cent tax will stay, but carmakers that complete their vehicles in the US will get a 15 per cent rebate, which lowers costs for those willing to do the final assembly in the US. Why did Ford exit India in 2021? Ford's exit from India in 2021 ended a long struggle to succeed in the country. Even though it launched popular cars like the EcoSport, Figo, and Endeavour, it could not keep up with rivals like Maruti Suzuki, Hyundai, Tata Motors, and Kia, who led the market with their affordable, fuel-efficient vehicles. With $2 billion in losses and less than 2 per cent market share, it became too hard for Ford to keep running its business in India. Things got worse when its partnership with Mahindra & Mahindra fell apart in 2020, leaving Ford without a local partner to help in the price-sensitive market. Although Ford stopped making cars in India, it still supports its customers with parts and service and continues to export vehicles from the country.
The Sun
25-04-2025
- Entertainment
- The Sun
Luis Figo ‘SPLITS' from Swedish model Wag with pair ‘leading separate lives' as football icon ‘moves out of family home'
LEGENDARY Portuguese footballer Luís Figo and his stunning Swedish model wife Helen Svedin have reportedly separated, according to Spanish media. The former Real Madrid and Barcelona star, 52, and the 50-year-old blonde beauty, who tied the knot in 2001, have ended their romantic relationship. 3 3 3 Figo, who has attended events with his wife over the years, was recently spotted alone at the Laureus Awards, where he named his daughters Daniela, Martina and Stella as the best thing to have ever happened to him, but left out his wife. Spanish outlet Vanitatis has reported that both Figo and Svedin are now "leading separate lives," although there has been no official confirmation of a separation. Spanish publication Marca adds that Figo had already temporarily left the family home for two weeks three years ago. Marca also reports that Figo had been linked to model Claudia Bavel, who previously claimed to have had a relationship with his former teammate Iker Casillas. However, the 2000 Ballon d'Or winner denied these rumours and threatened legal action. Figo and Svedin, who have three children together, appeared to have it all. Yet, behind closed doors, there seemed to be trouble brewing. Figo, who has kept a relatively low profile since his retirement from football, has been focused on his post-soccer ventures. While Svedin has continued to enjoy the limelight in the fashion industry. The couple's love story captured the public's imagination. Figo, one of football's most dazzling stars, met Svedin in 1996. When she was at the height of her modelling career. It wasn't long before they fell head over heels for each other, and their whirlwind romance led to a marriage that seemed straight out of a fairytale. But, as with everything in life, it seems that the end has come, and both will have to go their separate ways.
The Irish Sun
25-04-2025
- Entertainment
- The Irish Sun
Luis Figo ‘SPLITS' from Swedish model Wag with pair ‘leading separate lives' as football icon ‘moves out of family home'
LEGENDARY Portuguese footballer Luís Figo and his stunning Swedish model wife Helen Svedin have reportedly separated, according to Spanish media. The former Real Madrid and 3 Luis Figo is regarded by many as one of the best talents of his era Credit: EPA 3 Helen Svedin has three children for Luis Figo 3 Luis Figo was so good he won the Ballon D'or Credit: Getty Images Figo, who has attended events with his wife over the years, was recently spotted alone at the Laureus Awards, where he named his daughters Daniela, Martina and Stella as the best thing to have ever happened to him, but left out his wife. Spanish outlet Spanish publication READ MORE IN FOOTBALL However, the 2000 Ballon d'Or winner denied these rumours and threatened legal action. Figo and Svedin, who have three children together, appeared to have it all. A glamorous marriage filled with lavish holidays, red carpet events, and more. BEST ONLINE CASINOS - TOP SITES IN THE UK Most read in Football Yet, behind closed doors, there seemed to be trouble brewing. Figo, who has kept a relatively low profile since his retirement from football, has been focused on his post-soccer ventures. While Svedin has continued to enjoy the limelight in the fashion industry. The couple's love story captured the public's imagination. Figo, one of football's most dazzling stars, met Svedin in 1996. Luis Suarez appears to try to BITE player... but quickly stops when he realises it's his own team-mate When she was at the height of her modelling career. It wasn't long before they fell head over heels for each other, and their whirlwind romance led to a marriage that seemed straight out of a fairytale. But, as with everything in life, it seems that the end has come, and both will have to go their separate ways. Figo is undoubtedly one of the most gifted players of his generation, winning 16 trophies in total, including the UEFA Champions League, playing for Barcelona,
Daily Mail
25-04-2025
- Entertainment
- Daily Mail
Luis Figo 'is living apart from Swedish former model wife' after 'leaving family home' before solo appearance at prestigious Laureus Awards
Luis Figo has left his family home and moved into a rental property, and is living a 'separate life' from his wide Helene Svedin, according to reports in Spain. Figo was present at the Laureus Awards in Spain earlier this week, where he named the 'best' things in his life, in which he named his daughters Daniela, Martina and Stella, but not his wife. Over the years, he has attended the award ceremony in the company of Svedin, but this year was reportedly pictured leaving his new residence alone in Madrid. It is thought that the former Real Madrid and Barcelona star has lived there for around a month now, according to El Confidencial. Spanish outlet Vanitatis has reported that both Figo and his wife Svedin are now 'leading separate lives'. There is however no official confirmation of a separation between the two. Spanish publication Marca adds that Figo had already left his family home on a short-term basis for two weeks three years ago. The Portuguese legend is thought to have stayed at the Wellington Hotel, owned by a friend, before returning to his family home in Salamanca, Madrid. Marca adds that Figo had been linked to model Claudia Bavel, who previously claimed to have had a relationship with his former team-mate Iker Casillas. Figo, Bavel, Casillas and fellow Real Madrid star Michel Salgado in fact attended a winery together, though the former has categorically denied any reports of a relationship, describing such claims as 'garbage' and threatening legal action for defamation, according to Marca. Svedin, meanwhile, has been in Mallorca, according to her Instagram, rather than at the Laureus awards with her husband. Casillas and Svedin have been together since 1996, after meeting at a dinner party during his first year at Barcelona. The couple dated for five years before tying the knot, two years after the birth of their eldest daughter, Daniela. Svedin has been competing in dressage for a number of years, and reportedly trains non-stop with her horse, Raio. Figo is regarded as one of the greatest players of his generation, featuring for Barcelona, Real Madrid and Inter, and won the Ballon d'Or in 2000.
