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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
Three Flexible Plans for Illness & InjuryIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsIncludedIncluded
Unlimited Lifetime Benefit PlanIncludedIncludedIncludedIncludedIncludedIncluded
One Annual DeductibleIncludedIncludedNot included or some inclusionsIncludedIncludedIncluded
100% Reimbursement OptionIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsIncluded
No Per Incident Cap on ClaimsIncludedIncludedIncludedIncludedIncludedIncluded
Illness Waiting Period 14 Days or BetterIncludedIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsIncluded
No Upper Age LimitsIncludedIncludedNot included or some inclusionsIncludedIncludedIncluded
Chronic ConditionsIncludedIncludedIncludedIncludedIncludedIncluded
Congenital & Hereditary Conditions (included)IncludedIncludedIncludedIncludedIncludedIncluded
Hip Dysplasia (without additional caps or age limits)IncludedIncludedIncludedNot included or some inclusionsIncludedIncluded
Advanced Cancer TreatmentsIncludedIncludedIncludedIncludedIncludedIncluded
Chiropractic & Acupuncture (included)IncludedIncludedNot included or some inclusionsIncludedIncludedNot included or some inclusions
Prescription Medications (included, without additional cap)IncludedIncludedIncludedIncludedIncludedNot included or some inclusions
Mobility DevicesIncludedIncludedIncludedIncludedIncludedIncluded
Diagnostic ServicesIncludedIncludedIncludedIncludedIncludedIncluded
Euthanasia & Cremation (included)IncludedIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsIncluded
Examination & Consultation Fees (optional)IncludedIncludedNot included or some inclusionsNot included or some inclusionsIncludedIncluded
Rehabilitation (optional, without additional cap)IncludedIncludedIncludedIncludedIncludedIncluded
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
File Claim from Mobile AppIncludedIncludedNot included or some inclusionsIncludedIncludedNot included or some inclusions
Real-time Claim Status with Push NotificationsIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusions
Claim Close Time (within 7-10 business days)IncludedNot included or some inclusionsNot included or some inclusionsIncludedNot included or some inclusionsIncluded
AI Claims AssistantIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusions
Online Pet Cloud Account (and Mobile App)IncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusions
Pet Profile with Pet Tag IDIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusions
24/7 Live Vet Chat (included for customers)IncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsIncluded
Store Pet Records OnlineIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusions
Reminders with Push NotificationIncludedIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusions
Socially Connect with Other Pet ParentsIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusions
Explore, Pet Friendly Location FinderIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusions
Customer Service via Facebook MessengerIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusions
Customer Service via Text MessagingIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusions
Customer Service via Live Online ChatIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsIncludedIncluded
See DetailsSee DetailsSee DetailsSee DetailsSee Details
included
not included or some inclusions
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Figo Pet InsuranceEmbraceHartville (Crum & Forster)ASPCAAKC24 PetWatch
Three Flexible Plans for Illness & InjuryIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsIncluded
Unlimited Lifetime Benefit PlanIncludedNot included or some inclusionsIncludedIncludedNot included or some inclusionsNot included or some inclusions
One Annual DeductibleIncludedIncludedIncludedIncludedIncludedIncluded
100% Reimbursement OptionIncludedNot 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
Illness Waiting Period 14 Days or BetterIncludedIncludedIncludedIncludedIncludedNot included or some inclusions
No Upper Age LimitsIncludedIncludedIncludedIncludedNot included or some inclusionsNot included or some inclusions
Chronic ConditionsIncludedIncludedIncludedIncludedIncludedIncluded
Congenital & Hereditary Conditions (included)IncludedIncludedIncludedIncludedNot included or some inclusionsIncluded
Hip Dysplasia (without additional caps or age limits)IncludedIncludedIncludedIncludedNot included or some inclusionsIncluded
Advanced Cancer TreatmentsIncludedIncludedIncludedIncludedIncludedIncluded
Chiropractic & Acupuncture (included)IncludedIncludedIncludedIncludedIncludedNot included or some inclusions
Prescription Medications (included, without additional cap)IncludedIncludedIncludedIncludedNot included or some inclusionsNot included or some inclusions
Mobility DevicesIncludedIncludedIncludedIncludedNot included or some inclusionsIncluded
Diagnostic ServicesIncludedIncludedIncludedIncludedIncludedIncluded
Euthanasia & Cremation (included)IncludedIncludedIncludedIncludedNot included or some inclusionsNot included or some inclusions
Examination & Consultation Fees (optional)IncludedIncludedIncludedIncludedIncludedIncluded
Rehabilitation (optional, without additional cap)IncludedIncludedIncludedIncludedIncludedNot included or some inclusions
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
File Claim from Mobile AppIncludedIncludedIncludedIncludedNot included or some inclusionsNot included or some inclusions
Real-time Claim Status with Push NotificationsIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusions
Receive Payment Electronically (Direct Deposit)IncludedIncludedIncludedIncludedNot included or some inclusionsIncluded
Claim Close Time (within 7-10 business days)IncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsIncludedIncluded
AI Claims AssistantIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusions
Online Pet Cloud Account (and Mobile App)IncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusions
Pet Profile with Pet Tag IDIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusions
24/7 Live Vet Chat (included for customers)IncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusions
Store Pet Records OnlineIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusions
Reminders with Push NotificationIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusions
Socially Connect with Other Pet ParentsIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusions
Explore, Pet Friendly Location FinderIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusions
Customer Service via Facebook MessengerIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusions
Customer Service via Text MessagingIncludedNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusionsNot included or some inclusions
Customer Service via Live Online ChatIncludedIncludedNot included or some inclusionsNot included or some inclusionsIncludedIncluded
See DetailsSee DetailsSee DetailsSee DetailsSee Details
included
not included or some inclusions

How to Compare Pet Insurance Plans

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. Figo provides all pet healthcare coverage details upfront via our FAQs, sample policies, or you can phone, text, chat, email, or tweet our customer experience team.
  • Annual deductible vs. per condition deductible. With our plans, once you have met your chosen annual deductible, you no longer pay a deductible for the remainder of your annual policy period. In contrast, a per condition deductible assigns deductibles per incident or condition—meaning cancer treatment may be subjected to a separate deductible than an ear infection. It is important to note that an annual deductible typically reimburses you more than per incident or per condition deductible.
  • Reimbursement. Not all companies pay on the actual veterinary bill or offer customizable coverage options, and some don’t provide an option to cover the examination fees related to covered injuries and illnesses. Figo’s three pet insurance plan offerings can be customized to meet your deductible and reimbursement needs, and examination fee coverage can be added to any plan.
  • 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, and the Ultimate Plan offers unlimited benefits.
  • Pre-existing Conditions. No pet insurance providers cover pre-existing conditions. Our definition of a pre-existing condition is any injury or illness whose symptoms were showing before the start of your pet’s policy, or during a relevant waiting period. (Note: A condition is considered pre-existing based on when its symptoms first displayed—regardless of whether or not it has been officially diagnosed or treated.)
  • Contract Terms and Customer Testimonials. It is important to read all contract terms thoroughly, as misaligned expectations are often to root of dissatisfaction with a pet insurance provider. Also, check out what customers are saying about the pet insurance provider and coverage. (Note: Some pet insurance review websites accept compensation from providers in exchange for placement on their site. 

These comparisons are based on documentation obtained from each of the above companies’ individual public websites and actual posted policies as of August 31, 2019. Coverage options are interpreted by Figo Pet Insurance LLC as being comparable. Plan details are subject to change. We encourage pet parents to conduct independent research before choosing a plan.

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