[Rach_73]

So, my Dachshund is back on her nonsense – her latest masterpiece was snacking on a Valentine’s decoration. This isn’t her first offense, and at this point, I know I need good foreign body ingestion coverage before she ends up in surgery. I got quotes from Figo and Lemonade, and they were the cheapest options, but I’m stuck on which one actually provides better coverage. Does anyone know how these two companies would handle this type of claim? Is one better than the other?

[Kimberly Alt]

This is an excellent question. Here’s what I’ve found in each companies’ sample policy but note it’s important to check your policy.

Figo’s Policy on Foreign Body Ingestion: Any Illness or Injury that arises due to repetitive activity that results in Your Pet requiring repeated medical Treatment. After three (3) separate but similar incidents of such Claims, Coverage for these Illnesses or Injuries would be considered or diagnosed preventable, such as, but not restricted, to foreign body ingestions, porcupine quills, fight/bite wounds/lacerations, motor vehicle Injuries and poison ingestions.

Lemonade’s Policy on Foreign Body Ingestion: Conditions arising from a repetitive and specific activity that leads to decontamination (i.e., the induction of vomiting, stomach pumping, or treatment with charcoal), medical, or surgical treatment of your pet, if the same or a similar activity occurred two times within 18 months prior to the treatment date. For example, the two incidents must arise from similar behaviors, such as the ingestion of nonfood items or potentially toxic substances (food- or chemical-related), the ingestion of human food or pet food that is not intended for your pet, or Injury stemming from repeated contact with species such as porcupines, rattlesnakes, cats, and dogs.

How They Differ

• Figo allows three incidents of foreign body ingestion claims before they stop covering it, considering it a preventable condition.
• Lemonade is stricter, only allowing two incidents within an 18-month period before they exclude coverage for future occurrences.

Which Is Better for Foreign Body Ingestion? If your Dachshund is a repeat offender when it comes to eating things she shouldn’t, Figo gives you more leeway by covering three separate incidents before exclusions kick in. Lemonade, on the other hand, applies restrictions sooner—if your dog ingests something twice in 18 months, future related treatments won’t be covered.

For more details on how Figo and Lemonade compare, check out these resources:

• Figo vs. Lemonade Comparison
• Best Pet Insurance for Dachshunds

If foreign body ingestion coverage is your main concern, Figo may be the better bet. Let me know if you need more info!

[Author]

Posts