Pet insurance policies are underwritten by Markel American Insurance Company.
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Figo vs. Crum & Forster (Hartville)

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 Hartville’s pet medical coverage.

Figo vs. Crum & Forster

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Insurance Plan Coverages Figo Pet InsuranceCrum & Forster (Hartville)
Unlimited Lifetime Benefit PlanIncludedIncluded
Three Flexible Plans for Illness & InjuryIncludedIncluded
One Annual DeductibleIncludedIncluded
100% Reimbursement CoverageIncludedNot included or some inclusions
Exam Fee for Illness & Injury (optional)IncludedIncluded
Copay & Deductible Waived for Life-Saving TreatmentIncludedNot included or some inclusions
No Per Incident Cap on ClaimsIncludedIncluded
Alternative & Holistic Treatment Without RestrictionsIncludedIncluded
No Upper Age Limits on PetsIncludedIncluded
Lost Pet CoverageIncludedNot included or some inclusions
Hip Dysplasia Without RestrictionsIncludedIncluded
Chronic Conditions Without RestrictionsIncludedIncluded
Hereditary Conditions Without RestrictionsIncludedIncluded
Mobility Devices Without CapIncludedIncluded
Ability to Waive Waiting Period for Healthy KneesIncludedNot included or some inclusions
No Extended Waiting Period for Hip DysplasiaIncludedIncluded
14 Days or Better Waiting Period for All IllnessesIncludedIncluded
Pre-Existing ConditionsNot included or some inclusionsNot included or some inclusions
Add Pets via Online Account PortalIncludedIncluded
View Policy Records OnlineIncludedIncluded
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 Hartville (now Crum & Forster):

  • Unlimited Lifetime Benefit Plan. By selecting Figo’s Unlimited Benefit Plan, customers will not be capped on reimbursements within the policy year. Total reimbursement for covered illnesses and injuries will be subject only to deductible and reimbursement rates selected at purchase. Hartville does not offer an unlimited benefit plan—limiting the treatment costs they will cover each year—with the maximum annual benefit set at $5,000.
  • 100% Reimbursement Coverage. Hartville does not offer a 100% reimbursement option, while Figo offers 100% reimbursement with all three plans, allowing pet parents to recoup their total covered pet medical expenses.
  • Waiting Period Waiver for Healthy Knees. Figo maintains that if have your pet examined by a veterinarian within the first 30 days of the policy, and the medical record specifically notes that your pet does not have any pre-existing conditions relating to its knees, the 6-month exclusion may not apply. Hartville does not offer a waiting period waiver for healthy knees.

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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