Compare Figo and Healthy Paws
We have analyzed Figo and Healthy Paws based on policy options, coverage levels, monthly cost, customer reviews and more.
Average monthly pet insurance costs are comparable between both providers. Figo offers three coverage tiers with varying limits and allows you to customize your deductible and reimbursement rate. Healthy Paws offers selections based on your pet’s age — however, each policy has unlimited coverage.
You can use the chart below to compare each provider side-by-side.
Star Rating | ||
Best For | Most Flexible Reimbursement Rates | Most Affordable Unlimited Coverage |
Average monthly cost | $30–$50 for dogs and $20–$30 for cats | $40 for dogs, $20 for cats |
Coverage limits | $5,000–Unlimited | Unlimited |
Deductibles | $100–$750 | $100–$500 |
Reimbursement rates | 70%-100% | 70%-90% |
Wellness care add-on | Yes | No |
Pre-existing condition coverage | No* | No |
Multi-pet discount | 5% | No |
Star Rating | ||
Best For | Most Flexible Reimbursement Rates | Most Affordable Unlimited Coverage |
Average monthly cost | $30–$50 for dogs and $20–$30 for cats | $40 for dogs, $20 for cats |
Coverage limits | $5,000–Unlimited | Unlimited |
Deductibles | $100–$750 | $100–$500 |
Reimbursement rates | 70%-100% | 70%-90% |
Wellness care add-on | Yes | No |
Pre-existing condition coverage | No* | No |
Multi-pet discount | 5% | No |
*Figo will cover curable pre-existing conditions if your pet is treated and remains symptom-free for at least 12 consecutive months. However, this rule doesn’t apply to orthopedic conditions like hip dysplasia, patellar luxation and torn cruciate ligaments.
Figo Coverage Overview
Figo offers an accident and illness plan that covers costs related to unexpected or emergency vet visits, surgery, prescription medications and other treatments if your pet is hurt or gets sick. This includes accidental injuries, illnesses, chronic conditions, congenital conditions and hereditary conditions.
You can choose from three tiers of coverage, each with a set limit.
- Essential Plan: $5,000 annual limit
- Preferred Plan: $10,000 annual limit
- Ultimate Plan: Unlimited annual coverage
But you can mix and match deductible options and reimbursement levels, depending on your plan. For example, the 100% reimbursement option is only available for Essential and Preferred Plans with a $500 or $750 deductible.
- Annual deductible: $100, $250, $500 or $750
- Reimbursement rate: 70%, 80%, 90% or 100%
Figo also offers three add-on plans that it refers to as Powerups, which include:
- Wellness Coverage: A wellness plan that covers routine care costs such as exam fees, dental cleanings, vaccinations, and spaying or neutering. Figo offers two coverage options of $135 or $250 in annual wellness treatments. This plan is not available in all states.
- Extra Care Pack: This optional coverage adds reimbursement for cremation or burial, lost pet advertising and reward, vacation cancellation due to pet emergencies, boarding fees, pet theft or loss and more.
- Veterinary Exam Fees: Figo reimburses pet parents for veterinary exams or consultation fees associated with diagnosing or treating your pet.
Keep in mind that any of the above coverage will increase your monthly premium.
Figo Coverage Exclusions
Like all pet health insurance providers, Figo excludes certain conditions from its coverage.
- Pre-existing conditions
- Cosmetic procedures
- Cloned pets
- Breeding costs
- Experimental procedures
- Birds and exotic pets
Figo has a one-day waiting period for accidents, 14 days for injuries and six months for orthopedic conditions.
How Much Does Figo Cost?
Based on our sample quotes, Figo typically costs $30 to $50 per month for dogs and $20 to $30 for cats. Your monthly rate will depend on your pet’s age, species, breed location and coverage.
Discounts Available
Figo offers a 5% discount for the enrollment of multiple pets.
Figo Monthly Pricing
To give you an idea of monthly pricing, we gathered sample quotes for 1-year-old pets in Raleigh, N.C. The below figures are based on Figo’s Preferred Plan with an 80% reimbursement rate, a $250 deductible and a $10,000 annual limit. We also included a few quotes with add-on packages.
Medium Mixed-Breed Dog | Golden Retriever | Domestic Shorthaired Cat | Domestic Medium-haired Cat | |
---|---|---|---|---|
Accident and Illness Plan | $30.42 | $40.19 | $21.15 | $21.15 |
Accident and Illness Plan with Wellness 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 |
Healthy Paws Coverage Overview
Healthy Paws offers an accident and illness plan with unlimited coverage, so the company will not limit your payouts no matter how many claims you file each year. This includes treatment by a licensed veterinarian if your pet is hurt or gets sick, such as diagnostic testing, X-rays, hospitalization and alternative therapies like acupuncture.
However, Healthy Paws limits plan customizability based on your pet’s breed and age. While you can choose from multiple copays and reimbursement rates for pets ages five and under, Healthy Paws restricts selections for animals over six years old. It also does not offer coverage to cats and dogs over 14 years old. For this reason, it might not be the best option for older pets.
Healthy Paws does not offer wellness care pet plans.
Healthy Paws Coverage Exclusions
Healthy Paws excludes the following treatments and conditions:
- Pre-existing conditions
- Preventive care or wellness items
- Birds and exotic pets
- Veterinary exam fees
- Breeding costs
- Herbal medicine and homeopathy
- Dental illness
The company extends a 15-day waiting period for accidents and illnesses.
How Much Does Healthy Paws Cost?
Based on our research, Healthy Paws costs around $40 to $50 for dog insurance and $15 to $25 for cat insurance. Since Healthy Paws only allows plan customization for certain breeds and ages, we recommend you get a quote for the best estimate of coverage costs for your pet.
Discounts Available
Healthy Paws doesn’t offer any discounts at this time.
Healthy Paws Monthly Pricing
To better understand pricing, we retrieved Healthy Paws insurance quotes for 1-year-old pets in Raleigh, N.C. Price estimates are based on accident and illness coverage with an unlimited annual benefit, an 80% reimbursement rate and a $250 annual deductible.
Medium Mixed-Breed Dog | Golden Retriever | Domestic Shorthaired Cat | Domestic Medium-haired Cat | |
---|---|---|---|---|
Accident and Illness Plan | $34.54 | $51.04 | $16.12 | $16.12 |
Why Choose Figo Pet Insurance?
In addition to its pet coverage, Figo offers a user-friendly mobile app and online platform for quick claims processing and customer service access. Figo also has an exclusive Pet Cloud app, which allows you to connect with other pet owners nationwide.
As a component of our Figo pet insurance review, we analyzed sites like the Better Business Bureau (BBB) and Trustpilot to better understand the customer experience. The company has a 4.7 out of 5-star rating on Trustpilot, with positive reviews that mention easy-to-use coverage and quick claims processing. However, some customers note unexpected increases in premium costs.
“Coverage is clear … It is easy to look up my policy to see what is or is not covered so there aren’t any surprises. I’ve used my coverage for the first time this year and was pleasantly surprised to find [Figo] 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 via Trustpilot
“After filing [claims] a few times, I found [Healthy Paws] very easy to file with. Reimbursement took a day every time until Healthy Paws changed its underwriting company. Come time for renewal after my first year [and] my premium more than doubled, leaving me with my dog’s existing conditions and no way to get coverage from a different company.”—Idan R. via Trustpilot.
Why Choose Healthy Paws?
Healthy Paws offers affordable unlimited coverage to cover veterinary costs if your pet is unexpectedly hurt or gets sick. It’s also a good choice for pet parents looking to support pets in need. The company’s Healthy Paws Foundation donates to homeless animal organizations every time someone receives an online quote.
Healthy Paws has a 4 out of 5-star rating on Trustpilot. Many customers praise the company for its customer service, but others mention issues with premiums, claims processing and payouts.
“Healthy Paws is a must-have for anyone with pets. I am extremely grateful for its 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 Healthy Paws.”—Marie C. via Trustpilot
“Healthy Paws is happy to insure your dog as long as they are young with minimal risk. [Healthy Paws] ups the premium so much that you are basically forced to cancel when your pets reach their senior years.”—Ken via Trustpilot
The Bottom Line: Which Provider is Best for Your Pet?
While we recommend both Figo and Healthy Paws, the best pet insurance policy will ultimately depend on your pet’s needs and your budget. Figo is a solid choice for pet parents seeking various add-on and plan customization options. However, Healthy Paws may be a better choice for owners of younger pets seeking straightforward, comprehensive coverage for unexpected vet bills.
Both providers offer varying coverage limits, which is important to consider when shopping for pet insurance. While Healthy Paws extends unlimited coverage, it restricts customization options for older pets. On the other hand, Figo offers three tiers of accident and illness coverage so you can pick the best option for your pet’s insurance needs.
Before purchasing any pet insurance plan, we recommend you request sample quotes and compare at least three providers. In this case, you can also check out top pet insurance companies like Embrace or Trupanion.
Frequently Asked Questions About Pet Insurance
Figo will cover your pet’s vet visits and exam fees if you purchase an optional add-on package. This coverage will increase your monthly premium cost.
Healthy Paws does not offer a wellness care plan, which typically covers routine procedures such as annual veterinary exams.
Yes, but your limit depends on the coverage you select. Figo offers an accident and illness plan with three coverage tiers. The Essential and Preferred plans have annual coverage limits of $5,000 and $10,000, while the Unlimited Plan has no annual coverage limit. Figo also doesn’t enforce upper age limits, which means you can enroll your pet in a policy at any time.
Healthy Paws extends unlimited coverage limits on its plans, which means you will never hit a payout cap when submitting claims. However, the company enforces an upper age limit of 14 years old, after which you cannot enroll your pet in insurance coverage.