Pet insurance policies are underwritten by Markel American Insurance Company.
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Figo vs. AKC

See How We Compare

In searching for the best pet insurance plans, pet parents should pay close attention to the following differences when comparing Figo to AKC’s pet medical coverage.

Figo Pet Insurance vs. AKC

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Insurance Plan Coverages Figo Pet InsuranceAKC
Unlimited Lifetime Benefit PlanIncludedNot included or some inclusions
Three Flexible Plans for Illness & InjuryIncludedIncluded
One Annual DeductibleIncludedIncluded
100% Reimbursement CoverageIncludedNot included or some inclusions
Exam Fee for Illness & Injury (optional)IncludedNot included or some inclusions
Copay & Deductible Waived for Life-Saving TreatmentIncludedNot included or some inclusions
No Per Incident Cap on ClaimsIncludedNot included or some inclusions
Alternative & Holistic Treatment Without RestrictionsIncludedNot included or some inclusions
No Upper Age Limits on PetsIncludedNot included or some inclusions
Lost Pet CoverageIncludedNot included or some inclusions
Hip Dysplasia Without RestrictionsIncludedNot included or some inclusions
Chronic Conditions Without RestrictionsIncludedNot included or some inclusions
Hereditary Conditions Without RestrictionsIncludedNot included or some inclusions
Mobility Devices Without CapIncludedNot included or some inclusions
Ability to Waive Waiting Period for Healthy KneesIncludedNot included or some inclusions
No Extended Waiting Period for Hip DysplasiaIncludedNot included or some inclusions
14 Days or Better Waiting Period for All IllnessesIncludedNot included or some inclusions
Pre-Existing ConditionsNot included or some inclusionsNot included or some inclusions
Add Pets via Online Account PortalIncludedNot included or some inclusions
View Policy Records OnlineIncludedNot included or some inclusions
Full Mobile App for iOS & Android (Not Just Claims)IncludedNot included or some inclusions
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included
not included or some inclusions

Compare Figo to AKC:

  • No Per Incident Cap on Claims. Figo does not restrict the number of claims that can be filed within the policy year, nor will the rates increase based on plan usage. AKC limits the number of claims (“incidents”) that can be filed per incident over the lifetime of your pet.
  • Examination Fee for Illness & Injury. Figo may cover the exam fee related to a covered injury or illness. Other pet insurance companies, like AKC, will not reimburse you the veterinary exam fee, even if the fee is associated with an illness or injury. (Note: Routine exam fees are considered preventative, and therefore not covered.)
  • Congenital & Hereditary Conditions Without Restrictions. Provided the condition is not pre-existing, Figo may pay veterinary fees related to covered treatment of hereditary and congenital conditions. AKC’s policy excludes treatment costs related to congenital and hereditary conditions.

If you have questions regarding our pet insurance plans and coverages, visit the Figo FAQ page, or contact our customer service team.

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