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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 Insurance | Trupanion |
|---|---|---|
| Three Flexible Plans for Illness & Injury | Included | Not included or some inclusions |
| Unlimited Lifetime Benefit Plan | Included | Included |
| Wellness Plan | Included | Not included or some inclusions |
| One Annual Deductible | Included | Not included or some inclusions |
| 100% Reimbursement Option | Included | Not included or some inclusions |
| No Per Incident Cap on Claims | Included | Included |
| Illness Waiting Period 14 Days or Better | Included | Not included or some inclusions |
| No Upper Age Limits | Included | |
| Chronic Conditions | Included | Included |
| Congenital & Hereditary Conditions (included) | Included | Included |
| Hip Dysplasia (without additional caps or age limits) | Included | Included |
| Advanced Cancer Treatments | Included | Included |
| Chiropractic & Acupuncture (included) | Included | Not included or some inclusions |
| Prescription Medications (included, without additional cap) | Included | Included |
| Mobility Devices | Included | Included |
| Diagnostic Services | Included | Included |
| Euthanasia & Cremation (included) | Included | Not included or some inclusions |
| Examination & Consultation Fees (optional) | Included | Not included or some inclusions |
| Rehabilitation (optional, without additional cap) | Included | Included |
| Pre-Existing Conditions | Not included or some inclusions | Not included or some inclusions |
| File Claim from Mobile App | Included | Not included or some inclusions |
| Real-time Claim Status with Push Notifications | Included | Not included or some inclusions |
| Claim Close Time (within 7-10 business days) | Included | Not included or some inclusions |
| AI Claims Assistant | Included | Not included or some inclusions |
| Online Pet Cloud Account (and Mobile App) | Included | Not included or some inclusions |
| Pet Profile with Pet Tag ID | Included | Not included or some inclusions |
| 24/7 Live Vet Chat (included for customers) | Included | Not included or some inclusions |
| Store Pet Records Online | Included | Not included or some inclusions |
| Reminders with Push Notification | Included | Not included or some inclusions |
| Socially Connect with Other Pet Parents | Included | Not included or some inclusions |
| Explore, Pet Friendly Location Finder | Included | Not included or some inclusions |
| Customer Service via Facebook Messenger | Included | Not included or some inclusions |
| Customer Service via Text Messaging | Included | Not included or some inclusions |
| Customer Service via Live Online Chat | Included | Not included or some inclusions |
| Return to Comparison Page |
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.