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 Insurance||Crum & Forster (Hartville)|
|Unlimited Lifetime Benefit Plan||Included||Included|
|Three Flexible Plans for Illness & Injury||Included||Included|
|One Annual Deductible||Included||Included|
|100% Reimbursement Coverage||Included||Not included or some inclusions|
|Exam Fee for Illness & Injury (optional)||Included||Included|
|Copay & Deductible Waived for Life-Saving Treatment||Included||Not included or some inclusions|
|No Per Incident Cap on Claims||Included||Included|
|Holistic: Acupuncture & Chiropractic||Included||Included|
|No Upper Age Limits on Pets||Included||Included|
|Lost Pet Coverage||Included||Not included or some inclusions|
|Hip Dysplasia Without Restrictions||Included||Included|
|Chronic Conditions Without Restrictions||Included||Included|
|Hereditary Conditions Without Restrictions||Included||Included|
|Mobility Devices Without Cap||Included||Included|
|Ability to Waive Waiting Period for Healthy Knees||Included||Not included or some inclusions|
|No Extended Waiting Period for Hip Dysplasia||Included||Included|
|14 Days or Better Waiting Period for All Illnesses||Included||Included|
|Pre-Existing Conditions||Not included or some inclusions||Not included or some inclusions|
|Add Pets via Online Account Portal||Included||Included|
|View Policy Records Online||Included||Included|
|Full Mobile App for iOS & Android (Not Just Claims)||Included||Not included or some inclusions|
|Return to Comparison Page|
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.