Figo vs. Healthy Paws Pet Insurance (2023)

by | 02/23/2023

If you’re considering pet health insurance for your furry friend, you know there are countless options on the market. 

We’ve compared two top providers to make your research and decision a little easier. We’ll dig through the fine print of Figo and Healthy Paws pet insurance plans to help you sniff out the right choice.

In this Figo vs. Healthy Paws comparison, we’ll discuss:

  • Main coverage differences
  • Each provider’s features and exclusions
  • Costs of available plans
  • Real customer reviews
  • FAQs
Figo Healthy Paws


  • Coverage for curable pre-existing conditions
  • 24/7 access to live veterinary helpline
  • One-day waiting period for accidents
  • Add-on plans for wellness coverage and exam fee coverage



  • $15 administration fee in some states
  • No prescription pet food coverage


  • Unlimited lifetime payout on all plans
  • Dedication to animal welfare
  • Comprehensive coverage for accidents and illnesses
  • Quick and easy claims processing



  • No add-on packages or discounts
  • Customizability and coverage limited by age

Figo vs. Healthy Paws: What Are the Main Coverage Differences?

Let’s compare some Figo and Healthy Paws features before jumping into in-depth reviews of each provider.

Average monthly costs are comparable between the two. Healthy Paws allows some plan customization but includes unlimited annual payout on every plan. With Figo, you can personalize your coverage rates to have an unlimited payout.

Neither provider covers pre-existing conditions, which is standard across the pet insurance industry. 

Plan Features Figo Healthy Paws
Our rating 4.2/5 4.6/5
Average monthly cost

$30-$50 for dogs

$20-$30 for cats

$40-$50 for dogs

$15-$25 for cats

Annual limit $5,000-unlimited Always unlimited
Deductible $100-$750 $100-$1,000
Reimbursement 70%-100% 50%-90%
Preventative/wellness plan? Yes No
Pre-existing condition coverage No* No
Multi-pet discount? 5% No

*Figo will cover curable pre-existing conditions that have been treatment- and symptom-free for at least 12 consecutive months. This rule doesn’t apply to orthopedic conditions like hip dysplasia, patellar luxation, and torn cruciate ligaments.

Figo Insurance Coverage Overview

Figo offers three plan options for your pet’s health coverage. Each plan has a set annual benefit limit with customizable reimbursement percentages and annual deductibles.

Essential Plan – $5,000 annual limit.

Preferred Plan – $10,000 annual limit.

Ultimate Plan – Unlimited annual coverage.

With any Figo plan, you can mix and match the following coverage options:

Annual deductible – 70%, 80%, 90%, 100%.

Reimbursement percentage – $100, $250, $500, $750.

You can only select the 100% reimbursement level for the Essential and Preferred Plans with $500 or $750 deductibles. 

No matter which plan you select, Figo won’t enforce per-incident coverage limits, which means you can use your entire yearly benefit for one item if necessary.

What Does Figo Cover?

  • Diagnostic testing
  • Chronic conditions
  • Cancer treatment
  • CT scans, MRIs, X-rays, ultrasounds
  • Dental illness and injuries
  • Hip dysplasia
  • Prescription medications
  • Hereditary and congenital conditions
  • Prosthetics and orthopedics
  • Knee conditions
  • Diagnostic testing
  • Pet ambulance transportation
  • Veterinary specialist care
  • Hospitalization and surgery
  • Holistic and alternative treatments
  • Rehabilitation and physical therapy
  • Emergency care

You can purchase Figo’s add-on plans for additional coverage:

  • Veterinary Exam Fees
  • Extra Care Pack
    • Cremation and burial
    • Lost pet advertising and reward
    • Vacation cancellation due to a veterinary emergency
    • Pet theft
    • Third-party property damage 
  • Wellness Basic or Plus packages

What Does Figo Not Cover?

  • Pre-existing conditions
  • Cosmetic procedures
  • Cloned pets
  • Breeding costs
  • Experimental procedures
  • Birds and exotic pets

How Much Does Figo Cost?

Figo typically costs $30-$50 per month for dogs and $20-$30 per month for cats. Your monthly rate will depend on your pet’s age, species, breed, location, and the plans/packages you select.

Discounts Available 

Figo offers a 5% discount when you enroll multiple pets. Figo also has occasional promo codes, so keep an eye out for online deals.

Sample Monthly Pricing

Here are some sample quotes for a 1-year-old pet in Raleigh, North Carolina. We selected Figo’s Preferred Plan with an 80% reimbursement rate, $250 deductible, and $10,000 annual limit. We selected the Wellness Plus plan for this pet’s preventative care.

Species/Breed Sample Price for Medium Mixed Breed Dog Sample Price for Golden Retriever Dog Sample Price for Domestic Shorthair Cat Sample Price for Domestic Mediumhair Cat
Accident and Illness Plan $30.42 $40.19 $21.15 $21.15
Accident and Illness Plan with Preventative Care $46.92 $56.69 $37.65 $37.65
Accident and Illness Plan with Veterinary Exam Fees $53.13 $64.90 $41.97 $41.97

Why Choose Figo Pet Insurance?

We like Figo’s user-friendly mobile app and online platform for quick claims processing and access to customer service. Figo also offers its exclusive Pet Cloud app, which helps you connect with other pet owners nationwide. This is a major highlight for pet owners seeking pet-friendly activities and social gatherings with fellow animal lovers.

When it comes to Figo’s pet insurance coverage, policyholders have opinions. We’ve listed some real Figo customer reviews below to help you see how the provider shines and falls short.

“Coverage is clear and doesn’t have gray areas. It is easy to look up my policy to see what is/isn’t covered, so there aren’t any surprises. I’ve used the coverage for the first time this year and was pleasantly surprised to find out they even covered the poison control call I had to make. Figo is great. It is the insurance company I recommend to new pet parents.” –Tyler, TrustPilot.

“The claim process was easy, clear cut, and efficient. The best part was that the claim was processed within hours, and the payment was issued.” –Ramona, TrustPilot.

“After filing with them a few times, I found they’re very easy to file with. Reimbursement took a day every time – until they changed their underwriting company. Come time for renewal after my first year – my premium MORE THAN DOUBLED itself!!! Thus leaving me with my dog’s existing conditions and no way to get coverage with a different insurance company.” –Idan R., TrustPilot.

Note: Unfortunately, most pet insurance providers –  not just Figo – must raise their rates to keep up with rising veterinary costs. Once you purchase a pet insurance plan, you can expect rates to increase over time.

For more information, read our in-depth Figo pet insurance review.

Healthy Paws Pet Insurance Coverage Overview

Healthy Paws offers accident/illness plans with no per-item, annual, or lifetime coverage caps. This means you’ll never run out of coverage no matter how many claims you file. 

Healthy Paws limits your plan’s customizability and copay based on your pet’s breed and age. For this reason, it might not be the best option for older pets.

Here are Healthy Paws’ available plan rates based on your pet’s age at enrollment:

Pets 3 years and under:

Reimbursement rate – 70%, 80%, 90%.

Annual deductible – $100, $250, $500.

Pets 4 and 5 years old:

Reimbursement rate – 70 or 80%.

Annual deductible – $250 or $500.

Pets 6 years old

Reimbursement rate – 70%.

Annual deductible – $500.

Pets 7 years old

Reimbursement rate – 70%.

Annual deductible – $750.

Pets 8 years and older: 

Reimbursement rate – 50%.

Annual deductible – $1,000.

Healthy Paws doesn’t offer pet insurance to cats and dogs over 14 years old.

What Does Healthy Paws Cover?

  • Accidental injuries
  • Illnesses 
  • Hereditary conditions
  • Congenital conditions
  • Chronic conditions
  • Cancer treatments
  • Diagnostic testing
  • X-rays, MRIs, and CT scans
  • Ultrasounds
  • Blood testing
  • Hospitalization
  • Surgery
  • Emergency care
  • Specialty care
  • Alternative therapies
  • Acupuncture
  • Chiropractic care
  • Allergies 
  • Physical therapy

What Does Healthy Paws Not Cover?

  • Pre-existing conditions
  • Preventive care or wellness items
  • Birds and exotic pets
  • Veterinary exam fees
  • Breeding costs
  • Herbal medicine and homeopathy
  • Dental illness

How Much Does Healthy Paws Cost?

Healthy Paws typically costs around $40-$50 for dog insurance and $15-$25 for cat insurance. Your monthly premium will depend on your pet’s age, breed, species, and location.

Discounts Available

Healthy Paws doesn’t offer any discounts at this time.

Sample Monthly Pricing

Healthy Paws only allows plan customization for certain breeds and ages, so you’ll need to get a sample quote for your specific pet. We retrieved quotes for a 1-year-old pet in Raleigh, North Carolina, to give you an idea of costs. This pet’s plan has an unlimited annual benefit, 80% reimbursement rate, and a $250 annual deductible.


Species/Breed Sample Price for Medium Mixed Breed Dog Sample Price for Golden Retriever Dog Sample Price for Domestic Shorthair Cat Sample Price for Domestic Mediumhair Cat
Accident and Illness Plan $34.54 $51.04 $16.12 $16.12

Why Choose Healthy Paws?

Healthy Paws is an excellent choice for pet parents passionate about helping pets in need. The Healthy Paws Foundation donates to homeless animal organizations every time someone retrieves an online quote. Since 2009, the organization has donated nearly $2 million to deserving shelters and rescues.

Along with its dedication to animal welfare, Healthy Paws has a few other standout features. But, don’t just take it from us – below are some reviews from actual Healthy Paws policyholders highlighting the good and bad aspects of the company.

“Healthy Paws Pet Insurance is a must-have for anyone with pets. I am extremely grateful for their respectful customer service and quick response to my inquiries. It was easy to file a claim, and I had reimbursement within a week. I highly recommend them.” –Marie C., TrustPilot.

“Healthy Paws has been so supportive of my dog and me through multiple difficult medical experiences! Both times it made the biggest difference between the care I was able to give my dog and the ease with which I was able to make good decisions for him. I’m so grateful to Healthy Paws, and the fact that pet insurance made these stressful times immeasurably less difficult knowing we were financially covered.” –CJ Hauser, TrustPilot.

“Healthy Paws is happy to insure your dog as long as they are young with minimal risk. They up the premium so much that you are basically forced to cancel when your pets reach their senior years.” –Ken, TrustPilot.

Check out our comprehensive Healthy Paws pet insurance review for more information.

Final Thoughts

We hope this comparison of Figo vs. Healthy Paws helps you choose the best pet insurance company for your furry friend. 

These providers have comparable accident/illness coverage and price ranges, so each stands out through its extra features. 

Figo is an excellent choice for pet parents seeking various add-on options and plan customizations. Healthy Paws is the better option for owners of younger pets seeking straightforward, comprehensive coverage for unexpected vet bills.

Before purchasing any pet insurance plan, we recommend reading the fine print and retrieving a sample quote for your pet. By doing this, you’ll know of any plan limitations or exclusions that could bar your buddy from optimal coverage.

Once you’ve found the best option, you’ll have peace of mind knowing you won’t have to choose between saving money and providing your pet with the care it deserves.

Frequently Asked Questions

Does Figo cover vet visits? 

Figo covers veterinary visits and exam fees if you purchase the optional add-on package.

Does Healthy Paws cover vet visits?

Healthy Paws does not cover the exam fees or administrative costs associated with your pet’s veterinary care.

Does Figo pet insurance have a limit?

Figo’s Essential and Preferred Plans have annual coverage limits of $5,000 and $10,000. The Ultimate Plan doesn’t have an annual coverage limit.

Figo doesn’t enforce upper age limits, which means you can enroll your pet in a policy at any time.

Does Healthy Paws pet insurance have a limit? 

Healthy Paws doesn’t have coverage limits on any plans, which means you will never hit a payout cap when submitting claims.

Healthy Paws enforces an upper age limit. You cannot enroll your animal in a pet insurance policy after its 14th birthday.

Our Methodology

The 365 Pet Insurance research team looks at all pet insurance policies and comes up with our reviews based on coverage, plan options, cost, reputation, customer service, and species eligibility. We’ve also created a rating system to score pet insurance brands.

We’ve consulted with pet experts and dug into plans to develop what we think are the best overall plans, complete with ratings on coverage, how they handle claims, reimbursements, deductibles, limits, and more.

To make our list, pet insurance companies must have:

  • A variety of plan options
  • Affordable monthly rates

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.