Healthy Paws Pet Insurance vs. FIGO
Healthy Paws has been the highest rated pet insurance provider since being founded in 2009. FIGO has been one of the highest rated pet insurance providers in the U.S. since being incubated and launched in Chicago in 2013. Healthy Paws has a four year head start but FIGO has continued to break the mold by offering content and technology perks for its customer base.
From a coverage standpoint the two companies are nearly identical. Both offer excellent accident & illness coverage for dogs and cats. They also offer varying degrees of reimbursement and deductible to help you reach your desired monthly budget.
You and your furry family member can’t go wrong with either one of these excellent pet insurance companies!
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| Price: | Get a Quote | Get a Quote |
|---|---|---|
| Overall Rating: | ||
| Total Reviews: | 6,247 | 11,426 |
| Deductible: | $250, $500, or $1,000 | $250 or $500 |
| Reimbursement: | 70%, 80% or 90%* | 70%, 80%, or 90% |
| Annual Limit: | Unlimited | $10,000 - Unlimited |
| Company Profile: | Company Overview | Company Overview |
| Waiting Period for Accidents: | 15 days | 1 day* |
| Waiting Period for Illnesses: | 15 days | 14 days |
| Waiting Period for Orthopedic Coverage: | 15 days** | 6 months * |
| Emergency Care: | Included | Included |
| Accidents: | Included | Included |
| Illnesses: | Included | Included |
| Cancer Coverage: | Included | Included |
| Orthopedic Issues: | Included | Included |
| Hereditary Conditions: | Included | Included |
| Chronic Conditions: | Included | Included |
| Prescription Meds: | Included | Included |
| Wellness Coverage: | Excluded | Optional |
| Vet Restrictions: | None | None |
Healthy Paws vs. FIGO
Healthy Paws
Healthy Paws has remained the #1 customer-rated pet insurance company in the USA for over three years.
- Deductible: $250 – $1,000
- Reimbursement: 70% – 90%*
- 90% reimbursement rate is not available in CA, FL, NJ, NY, and WA
- Emergency Care: Included
- Waiting period for accidents: 15 days
- Waiting period for illnesses: 15 days
FIGO Pet Insurance
Figo Pet Insurance is one of the highest-rated pet insurers in the USA and offers technological perks to its valued customers.
- Deductible: $50 – $500
- Reimbursement: 70% – 100%
- Emergency Care: Included
- Waiting period for accidents: 5 days
- Waiting period for illnesses: 14 days
Coverage Comparisons
Both companies offer comprehensive accident & illness coverage for cats and dogs.
Aside from the omission of wellness/preventative care policies, you can expect extensive coverage for unexpected accidents and illnesses from both companies. Pet parents can have peace of mind that their precious furry friends will be in safe hands.
Compare Healthy Paws
Compare FIGO
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Healthy Paws Pet Insurance Enrollment Requirements
- 90% reimbursement rate is not available in CA, FL, NJ, NY, and WA*
- 12-month waiting period for hip dysplasia**
- Must be enrolled before 6 for hip dysplasia coverage
- Minimum age: 8 weeks
- Maximum age: 14 years (4 years in New York state)
- A pet less than 6 years old on the date of enrollment must have undergone a complete clinical examination and the exam must have taken place either 12 months before the pet policy effective date or within 15 days following the pet policy effective date
- A pet 6 years old or older on the date of enrollment must have undergone a complete clinical examination within 30 days before the pet policy effective date or 15 days following the pet policy effective date
Figo Pet Insurance Enrollment Requirements
- There is a 6-month waiting period for both hip dysplasia and orthopedic conditions. Both can be waived if the exam/waiver form is completed by a veterinarian within the first 30 days of the policy period and there are no pre-existing issues.