Key Differences
Prudent Pet offers Direct Vet Pay on a case-by-case basis.
Figo’s accident waiting period is shorter than Prudent Pet’s.
Prudent Pet has more deductible options. Figo has a higher base maximum annual limit.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Figo and Prudent Pet offer.
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Price: |
Get a Quote | Get a Quote |
Overall Rating: |
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Total Reviews: |
10,890 |
1,619 |
Deductible: |
$100, $250, $500, or $750 |
$100, $250, $500, or $1,000 |
Reimbursement: |
70%, 80%, 90%, or 100%** |
70%, 80%, or 90% |
Annual Limit: |
$5,000, $10,000, or Unlimited |
$2,500, $5,000, $10,000, or Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
1 day* |
5 days |
Illness Waiting Period: |
14 days |
14 days |
Wellness Waiting Period: |
0 days |
0 days |
Orthopedic Waiting Period: |
6 months |
6 months, optional waiting period waiver |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Optional |
Dental Coverage: |
Limited Coverage |
Limited Coverage |
Exam Fee Coverage: |
Additional Cost |
Optional |
Direct Vet Pay: |
No |
Yes, on a case-by-case basis |
Claims Expiration: |
Within 180 days of treatment |
90 days after the end of the policy period |
Claims Submission App: |
Yes |
No |
Figo Accident and Illness Coverage
Figo offers three different plans with varying levels of coverage: Popular, Higher Coverage, and Value Plus. With Figo, you also have the option to configure your annual coverage, reimbursement percentage, and deductible to create a custom plan that fits your needs and budget.
Deductible Options
$100, $250, $500, or $750
Reimbursement Options
70%, 80%, 90%, 100%*
Annual Limit Options
$5,000, $10,000, or Unlimited Annual Limit
What's Covered
Here's what is covered in each plan Figo offers.
Popular
This plan covers 80% of approved medical costs of up to $10,000 a year after you meet a $250 deductible.
Accidents
Cancer Coverage
Chronic Conditions
Dental Care (Non-Routine)
Diagnostic Tests and Imaging
Emergency Care
Euthanasia
Hereditary Conditions
Holistic and Alternative Treatments
Illnesses
Orthopedic Conditions
Prescription Medications
Rehabilitation and Mobility Devices
Surgery
Higher Coverage
Everything listed in the Popular plan is covered. The difference is that the Higher Coverage plan covers 90% of approved medical costs with no annual coverage limit after you meet a $500 deductible.
Value Plus
Everything listed in the Popular plan is covered. The difference is that the Value Plus plan covers 70% of approved medical costs of up to $10,000 a year after you meet a $500 deductible.
Custom
Everything listed in the Popular is covered. The difference is that with a custom plan, you can configure your annual coverage limit, reimbursement, and deductible to fit your budget.
Optional Add-Ons
Figo does not cover vet exam fees for accidents and illnesses, including telehealth consultations unless you add it to a main insurance plan. Additionally, routine care is not covered in the main insurance plans but can be added on.
Vet Exam Fees
This add-on enables reimbursement for exam and consultation fees related to accidents and illnesses.
Wellness Coverage
This add-on covers you up to the annual limit that Figo will reimburse you per year on each eligible expense.
Wellness Exams - $40 annual limit
Vaccines -$50 annual limit
Flea, Tick, and Heartworm
Heartworm Preventative
Rabies
DHLP (Distemper, Hepatitis, Leptospirosis, Parainfluenza)
Parvovirus/Corona
Bordetella
Lyme
Canine Influenza
FVRCP (Feline Viral Rhinotracheitis, Calicivirus, Panleukopenia)
Leukemia
FIP (Feline Infectious Peritonitis)
Other Vaccines as approved for general use by AVMA (American Veterinary Medical Association), or equivalent industry regulating entity
Spay/Neuter or Teeth Cleaning - $75 annual limit
Tests - $45 annual limit
Blood Panel
Heartworm Test
Fecal Test
Urinalysis Test
FeLV Test (Feline Leukemia Virus)
Microchip / Health Certificate - $30 annual limit
Deworming - $10 annual limit
* 100% reimbursement is available with deductibles of $500 and $750 but is not available with an unlimited annual limit.
Prudent Pet Accident and Illness Coverage
Prudent Pet offers two accident and illness plans: Essential and Ultimate. You can configure the deductible and reimbursement rate for the plan you select to fit your needs and budget.
Deductible Options
$100, $250, $500, or $1,000
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$2,500, $5,000, $10,000, or Unlimited
What's Covered
Here is what is covered in each plan that Prudent Pet offers.
Essential Plan
The Essential accident and illness plan offers a $10,000 annual limit which cannot be configured. You can adjust the deductible and reimbursement rate to your preference.
Alternative Therapies (Vet-Prescribed)
Behavioral Disorders
Bite Wounds
Broken Bones
Cancer & Growths
Cancer Treatments
Congenital (Birth) Defects or Abnormalities
Digestive Illness
Eye, Ear, Skin Conditions
Emergencies
Hereditary Conditions
Hip Dysplasia
Hospitalizations
Injuries to Teeth or Mouth
Prescription Meds
Radiology & Diagnostic Tests
Surgery & Specialized Care
Swallowed Objects
Urinary Infections
Ultimate Plan
The Ultimate accident and illness plan offers an unlimited annual limit that cannot be configured. You can adjust the deductible and reimbursement rate to your preference. This plan covers everything that is in the Essential plan, plus:
Advertising & Reward
Boarding Kennel & Cattery Fees
Loss Due to Theft or Stray
Mortality Benefit
Vacation Cancellation
Optional Coverage Add-Ons
Vet Exam Fee
Wellness Coverage
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for Figo and Prudent Pet.
Figo Claims Details
Figo Pet Insurance has an app you can use to submit your claims directly. Alternatively, you can fax, mail, or email your claim form with invoice(s) within 180 days of treatment.
Direct deposit option for receiving reimbursements
Convenient claim submission with Figo Pet Cloud
Most claims are processed within 3 business days
Prudent Pet Claims Details
Prudent Pet has an online portal where you can directly submit your claims. Alternatively, you can submit claims via fax, mail, or email with invoice(s) no later than 90 days after the end of the policy period. Prudent Pet also offers vet direct pay on a case-by-case basis.
Direct deposit option for receiving reimbursements
Convenient claim submission on desktop or mobile through a customer portal
75% of claims are processed and reimbursed within 24 hours
Our Figo vs. Prudent Pet Review
Figo and Prudent Pet offer comprehensive coverage for accidents, illnesses, and various health issues like cancer and breed-specific conditions. Both providers also offer optional wellness coverage add-ons to their base plans. You can configure plans based on your pet's needs and budget with Figo and Prudent Pet. But there are some differences in customization to note, like deductible and annual limit options. Overall, both providers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
