Pet insurance policies are underwritten by Markel American Insurance Company.

Pet Insurance Comparison: See How We Compare

Rated Best Pet Insurance by Reviews.com, Figo’s pet insurance plans offer comprehensive cat and dog healthcare coverage. With Figo Pet Insurance, you can take comfort in knowing up to 100 percent of your veterinary bills may be reimbursed, even when expensive emergency care is needed. This allows you to make care-based decisions instead of cost-based decisions.

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Insurance Plan Coverages Figo Pet InsuranceNationwide (VPI)TrupanionHealthy PawsPetplanPets Best
Unlimited Lifetime Benefit PlanIncludedIncludedIncludedIncludedIncludedIncluded
Three Flexible Plans for Illness & InjuryIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsIncludedIncluded
One Annual DeductibleIncludedIncludedNot included or some inclusionsIncludedIncludedIncluded
100% Reimbursement CoverageIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsIncluded
Exam Fee for Illness & Injury (optional)IncludedIncludedNot included or some inclusionsNot included or some inclusionsIncludedIncluded
Copay & Deductible Waived for Life-Saving TreatmentIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsIncludedNot included or some inclusions
No Per Incident Cap on ClaimsIncludedIncludedIncludedIncludedIncludedIncluded
Alternative & Holistic Treatment Without RestrictionsIncludedIncludedNot included or some inclusionsNot included or some inclusionsIncludedNot included or some inclusions
No Upper Age Limits on PetsIncludedIncludedNot included or some inclusionsIncludedIncludedIncluded
Lost Pet CoverageIncludedNot included or some inclusionsIncludedNot included or some inclusionsIncludedNot included or some inclusions
Hip Dysplasia Without RestrictionsIncludedIncludedIncludedNot included or some inclusionsIncludedIncluded
Chronic Conditions Without RestrictionsIncludedIncludedIncludedIncludedIncludedNot included or some inclusions
Hereditary Conditions Without RestrictionsIncludedIncludedIncludedIncludedIncludedIncluded
Mobility Devices Without CapIncludedIncludedIncludedIncludedIncludedIncluded
Ability to Waive Waiting Period for Healthy KneesIncludedNot included or some inclusionsIncludedIncludedIncludedIncluded
No Extended Waiting Period for Hip DysplasiaIncludedIncludedIncludedNot included or some inclusionsIncludedNot included or some inclusions
14 Days or Better Waiting Period for All IllnessesIncludedIncludedNot included or some inclusionsNot included or some inclusionsIncludedIncluded
Pre-Existing ConditionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusions
Add Pets via Online Account PortalIncludedIncludedIncludedIncludedNot included or some inclusionsIncluded
View Policy Records OnlineIncludedIncludedIncludedIncludedIncludedIncluded
Full Mobile App for iOS & Android (Not Just Claims)IncludedNot included or some inclusionsNot included or some inclusionsIncludedNot included or some inclusionsNot included or some inclusions
See DetailsSee DetailsSee DetailsSee DetailsSee Details
included
not included or some inclusions
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Figo Pet InsuranceEmbraceCrum & Forster (Hartville)ASPCAAKC24 PetWatch
Three Flexible Plans for Illness & InjuryIncludedNot included or some inclusionsIncludedIncludedIncludedIncluded
Unlimited Lifetime Benefit PlanIncludedNot included or some inclusionsIncludedIncludedNot included or some inclusionsNot included or some inclusions
One Annual DeductibleIncludedIncludedIncludedIncludedIncludedIncluded
100% Reimbursement CoverageIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusions
Exam Fee for Illness & Injury (optional)IncludedIncludedIncludedIncludedNot included or some inclusionsIncluded
Copay & Deductible Waived for Life-Saving TreatmentIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusions
No Per Incident Cap on ClaimsIncludedIncludedIncludedIncludedNot included or some inclusionsNot included or some inclusions
Alternative & Holistic Treatment Without RestrictionsIncludedIncludedIncludedIncludedNot included or some inclusionsIncluded
No Upper Age Limits on PetsIncludedIncludedIncludedIncludedNot included or some inclusionsNot included or some inclusions
Lost Pet CoverageIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsIncluded
Hip Dysplasia Without RestrictionsIncludedIncludedIncludedIncludedNot included or some inclusionsIncluded
Chronic Conditions Without RestrictionsIncludedIncludedIncludedIncludedNot included or some inclusionsNot included or some inclusions
Hereditary Conditions Without RestrictionsIncludedIncludedIncludedIncludedNot included or some inclusionsNot included or some inclusions
Mobility Devices Without CapIncludedNot included or some inclusionsIncludedIncludedNot included or some inclusionsNot included or some inclusions
Ability to Waive Waiting Period for Healthy KneesIncludedIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsIncluded
No Extended Waiting Period for Hip DysplasiaIncludedIncludedIncludedIncludedNot included or some inclusionsIncluded
14 Days or Better Waiting Period for All IllnessesIncludedIncludedIncludedIncludedNot included or some inclusionsIncluded
Pre-Existing ConditionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusions
Add Pets via Online Account PortalIncludedNot included or some inclusionsIncludedIncludedNot included or some inclusionsNot included or some inclusions
See DetailsSee DetailsSee DetailsSee DetailsSee Details
included
not included or some inclusions

What To Look For When Comparing Pet Insurance

Pet insurance companies may seem similar, but the differences can be significant when it matters most. In addition to pet insurance comparison reviews and ratings, here are some key policy differences to help you find the best pet insurance for your pet.

  • Coverage. Look closely at covered medical expenses, and more importantly, expenses not covered. All pet healthcare coverage details are provided upfront via the FAQs page, sample policies, or you can phone, text, chat, email, or tweet our customer service team.
  • Annual deductible vs. per condition deductible. Once you have met your chosen annual deductible, you no longer pay a deductible for the remainder of your annual policy period. A per condition deductible assigns deductibles per incident or condition—meaning cancer treatment may be subjected to a separate deductible than an ear infection. An annual deductible typically reimburses you more than per incident or per condition deductible.
  • Reimbursement. Not all companies pay on the actual veterinary bill, and some don’t cover the examination fees. All Figo pet insurance plans cover examination fees related to covered injuries and illnesses, and all plans offer a waive the co-pay and deductible associated with life-saving treatment.
  • Claims Limits. Some companies apply claim limits per incident, per year, or over the pet’s lifetime. Figo does not limit the number of claims you can submit, nor will we raise your rates due to plan usage.
  • Benefits Schedule vs. Annual Plan Cap. Plans that adhere to a benefits schedule will limit the total amount of money that will be paid out per condition. Figo’s Essential and Preferred plans offer one annual plan cap--$10,000 and $14,000 respectively. Additionally, Figo’s Ultimate Plan option offers unlimited benefits. (Note: Behavioral claims are subject to a plan cap.)   
  • Contract Terms. It is important to read all contract terms thoroughly, as misaligned expectations are often to root of dissatisfaction with a pet insurance provider. Figo provides sample cat and dog insurance policies for your review.
  • Pre-existing Conditions. Pet insurers do not cover pre-existing conditions; however not all prior conditions are considered chronic, and some pet insurance companies have a time-frame after which curable conditions may again be covered. If your pet is, or has been sick or injured previously, and you are looking for pet insurance coverage, ask the insurer whether there is a timeframe for previous, non-chronic conditions. 

Be sure to research all pet insurance products—including customer reviews—before making a decision. Note: Some pet review websites accept membership fees from providers in exchange for placement on their site. 

Also, it is important to read the contract terms thoroughly. Often dissatisfaction with pet insurance stems from misaligned expectations or misunderstanding of contract language, so it’s important to do your research and get the true pet insurance facts to find an insurer that meets your needs. 

 

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