Key Differences
Figo’s accident waiting period is shorter.
Figo offers an optional wellness coverage add-on, Healthy Paws does not.
Healthy Paws has a fixed maximum annual limit, Figo’s is configurable.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Figo and Healthy Paws offer.
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Price: |
Get a Quote | Get a Quote |
Overall Rating: |
|
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Total Reviews: |
10,890 |
4,738 |
Deductible: |
$100, $250, $500, or $750 |
$250, $500, $750, or $1,000* |
Reimbursement: |
70%, 80%, 90%, or 100%** |
50%, 60%, 70% or 80%* |
Annual Limit: |
$5,000, $10,000, or Unlimited |
Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
1 day* |
Varies by state (0 days or 15 days)** |
Illness Waiting Period: |
14 days |
15 days** |
Wellness Waiting Period: |
0 days |
Not available |
Orthopedic Waiting Period: |
6 months |
Varies by state (30 days or 12 months); not available to pets enrolling at ages 6+** |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Excluded |
Dental Coverage: |
Limited Coverage |
Limited Coverage |
Exam Fee Coverage: |
Additional Cost |
No |
Direct Vet Pay: |
No |
Yes, with prior approval |
Claims Expiration: |
Within 180 days of treatment |
Within any time of the coverage period of your policy |
Claims Submission App: |
Yes |
Yes |
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.
Healthy Paws Accident and Illness Coverage
Healthy Paws offers accident and illness coverage for dogs and cats. You can configure your reimbursement rate and deductible to fit your needs. Healthy Paws does not cover routine, preventative, or wellness coverage in this policy or offer it as an add-on.
Deductible Options*
$250, $500, $750, or $1,000
Reimbursement Options*
50%, 60%, 70% or 80%
Annual Limit Options
Unlimited
What’s Covered
Accidents
Alternative Treatments (FDA-Approved)
Cancer Coverage
Chronic Conditions
Congenital Conditions
Diagnostic Treatment
Emergency Care
Hereditary Conditions
Hospitalization
Illnesses
Prescription Medications
Specialty Care
Surgery
X-rays, Blood Tests, Ultrasounds
*Reimbursement and annual deductible options will vary depending on your pet's age and breed.
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for Figo and Healthy Paws.
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
Healthy Paws Claims Details
Healthy Paws Pet Insurance has an app you can use to submit your claims directly. Alternatively, you can fax, mail, email, or submit your claim form on the website with the invoice(s) within any time of the coverage period of your policy. Please note that medical records may be required to complete your pet’s first claim.
Direct deposit option for receiving reimbursements
Convenient claim submission with the Healthy Paws app
Offers direct vet pay on a claim-by-claim basis with prior approval
Our Figo vs. Healthy Paws Review
Figo and Healthy Paws offer comprehensive coverage for accidents, illnesses, and various health issues like cancer and breed-specific conditions. Figo offers an optional wellness coverage add-on but Healthy Paws does not. But, Healthy Paws offers coverage that doesn’t have annual or lifetime payout caps and they offer Direct Vet Pay. You can configure plans based on your pet's needs and budget with Figo and Healthy Paws. But there are some differences in customization to note, like deductible and annual limit. 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.
