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Figo vs. Pumpkin

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

Figo Pet Insurance vs. Pumpkin

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Insurance Plan Coverages Figo Pet InsurancePumpkin
Three Flexible Plans for Illness & InjuryIncludedNot included or some inclusions
Unlimited Lifetime Benefit PlanIncludedNot included or some inclusions
Wellness PlanIncludedIncluded
One Annual DeductibleIncludedIncluded
100% Reimbursement OptionIncludedNot included or some inclusions
No Per Incident Cap on ClaimsIncludedIncluded
Illness Waiting Period 14 Days or BetterIncludedIncluded
No Upper Age LimitsIncludedIncluded
Chronic ConditionsIncludedIncluded
Congenital & Hereditary Conditions (included)IncludedIncluded
Hip Dysplasia (without additional caps or age limits)IncludedIncluded
Advanced Cancer TreatmentsIncludedIncluded
Chiropractic & Acupuncture (included)IncludedIncluded
Prescription Medications (included, without additional cap)IncludedIncluded
Mobility DevicesIncludedIncluded
Diagnostic ServicesIncludedIncluded
Euthanasia & Cremation (included)IncludedIncluded
Examination & Consultation Fees (optional)IncludedIncluded
Rehabilitation (optional, without additional cap)IncludedIncluded
Pre-Existing ConditionsNot included or some inclusionsNot included or some inclusions
File Claim from Mobile AppIncludedNot included or some inclusions
Real-time Claim Status with Push NotificationsIncludedNot included or some inclusions
Claim Close Time (within 7-10 business days)IncludedIncluded
AI Claims AssistantIncludedNot included or some inclusions
Online Pet Cloud Account (and Mobile App)IncludedNot included or some inclusions
Pet Profile with Pet Tag IDIncludedNot included or some inclusions
24/7 Live Vet Chat (included for customers)IncludedNot included or some inclusions
Store Pet Records OnlineIncludedNot included or some inclusions
Reminders with Push NotificationIncludedNot included or some inclusions
Socially Connect with Other Pet ParentsIncludedNot included or some inclusions
Explore, Pet Friendly Location FinderIncludedNot included or some inclusions
Customer Service via Facebook MessengerIncludedNot included or some inclusions
Customer Service via Text MessagingIncludedNot included or some inclusions
Customer Service via Live Online ChatIncludedNot included or some inclusions
Return to Comparison Page
not included or some inclusions

Compare Figo to Pumpkin:

  • Unlimited: Pumpkin doesn’t offer an unlimited plan. The highest annual limit is $20,000 and it is one of only two options. At Figo, we understand that pet care can be wildly expensive, and we want you to take full advantage of your pet insurance plan to provide your pet with the care they need.
  • Mobile App: Unlike Figo’s Pet Cloud, Pumpkin doesn’t have a mobile app for policyholders. This means the insured doesn’t have easy access to their policy, and they can’t ask questions or submit claims without going to the website.
  • Limited Customer Service: There are a limited number of ways to reach Pumpkin if you have questions about your policy. Currently, they limit customer service to phone and email only. At Figo, we know our pet parents lead busy, on-the-go lifestyles. That’s why you can reach our experts via text, call, live chat, or email.

If you have questions regarding our pet insurance plans and coverages, check out our FAQs or contact our customer experience team.