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Figo vs. Trupanion

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 Trupanion’s coverage.

Figo Pet Insurance vs. Trupanion

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Insurance Plan Coverages Figo Pet InsuranceTrupanion
Three Flexible Plans for Illness & InjuryIncludedNot included or some inclusions
Unlimited Lifetime Benefit PlanIncludedIncluded
One Annual DeductibleIncludedNot included or some inclusions
100% Reimbursement OptionIncludedNot included or some inclusions
No Per Incident Cap on ClaimsIncludedIncluded
Illness Waiting Period 14 Days or BetterIncludedNot included or some inclusions
No Upper Age LimitsIncludedNot included or some inclusions
Chronic ConditionsIncludedIncluded
Congenital & Hereditary Conditions (included)IncludedIncluded
Hip Dysplasia (without additional caps or age limits)IncludedIncluded
Advanced Cancer TreatmentsIncludedIncluded
Chiropractic & Acupuncture (included)IncludedNot included or some inclusions
Prescription Medications (included, without additional cap)IncludedIncluded
Mobility DevicesIncludedIncluded
Diagnostic ServicesIncludedIncluded
Euthanasia & Cremation (included)IncludedNot included or some inclusions
Examination & Consultation Fees (optional)IncludedNot included or some inclusions
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)IncludedNot included or some inclusions
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
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included
not included or some inclusions

Compare Figo to Trupanion:

  • One annual deductible. Figo plans have one annual deductible, and once you have met your chosen annual deductible, you no longer pay a deductible for the remainder of your policy period. Trupanion offers per condition deductibles—so while you may have met your deductible for a knee injury, a separate illness (like cancer) would be subject to a new deductible.  
  • Examination and consultation fees. With the add-on coverage, Figo may cover exam or consultation fees related to a covered injury or illness. Other pet insurance companies, like Trupanion, will not reimburse you for these fees, even if they are associated with an unexpected illness or accident.
  • Chiropractic and acupuncture included. Figo plans include holistic treatments—specifically chiropractic and acupuncture services—whereas Trupanion only offers this coverage as an add-on option.

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

 

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