Figo ranks eighth nationally for both dogs and cats on pet insurance, putting it ahead of Fetch, which places 11th for dogs and 10th for cats. That said, the better choice depends on what you want from a policy. Budget-conscious pet owners will find Figo the stronger option on price. If customer service and coverage quality matter more to you, Fetch is worth a closer look.
Fetch vs. Figo Pet Insurance
Updated: March 16, 2026
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Fetch vs. Figo Pet Insurance: Key Takeaways
Figo has more affordable pet insurance rates than Fetch. Middle-aged cat owners pay $30 monthly with Figo versus $45 with Fetch, while dog owners pay $52 versus $103.
Fetch offers better customer service than Figo, earning higher ratings from Trustpilot and the Better Business Bureau due to its quick claims process and helpful customer service.
Fetch includes more pet insurance coverage than Figo, adding behavioral therapy and pet owner benefits like vacation cancellation and boarding fees at no extra charge.
Is Fetch or Figo Pet Insurance Better?
| Cat | Affordability | Figo | 5 | 12 |
| Cat | Coverage | Fetch | 3 | 5 |
| Cat | Customer Experience | Fetch | 6 | 7 |
| Cat | Overall Score | Figo | 8 | 10 |
| Dog | Affordability | Figo | 8 | 13 |
| Dog | Coverage | Fetch | 3 | 5 |
| Dog | Customer Experience | Fetch | 6 | 7 |
| Dog | Overall Score | Figo | 8 | 11 |
How We Decided the Winning Pet Insurance Provider
All scores reflect average pricing and customer experience data for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll, using a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Explore top pet insurance picks based on your pet’s age, health needs and budget:
Fetch and Figo Comparison by State
Figo ranks as the best pet insurance company in all 50 states for dogs and 49 states for cats when compared to Fetch. Fetch wins against Figo only in Maryland for cat coverage.
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How We Decided the Winning Pet Insurance Provider by State
All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Fetch vs. Figo Pet Insurance Cost
Figo beats Fetch on pet insurance cost across all age categories for both dogs and cats. Puppy owners save the most with Figo at $21 monthly compared to Fetch's $48 monthly, cutting costs by 52%. Young dog owners see similar savings at 50% less than Fetch rates.
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| Kittens | Figo | $10 | 25% |
| Young Cats | Figo | $16 | 27% |
| Puppies | Figo | $21 | 52% |
| Young Dogs | Figo | $30 | 50% |
| Middle Aged Cats | Figo | $30 | 33% |
| Middle Aged Dogs | Figo | $52 | 49% |
| Senior Cats | Figo | $103 | 24% |
| Senior Dogs | Figo | $180 | 41% |
How We Decided the Winning Pet Insurance Provider
All rates shown here reflect average pricing for Labrador Retrievers and Ragdolls from under 1 year old through age 20 across all 50 states.
Fetch vs. Figo Pet Insurance Cost by State
Figo has the cheapest pet insurance across all 50 states for every age category compared to Fetch. Here's what you'll pay with each provider based on your location and pet's age.
- Kittens: Figo costs $7 monthly in Arkansas versus Fetch's $9, about 27% less.
- Puppies: Figo runs $14 monthly in Arkansas while Fetch charges $30, saving puppy owners 52%.
- Young cats: Arkansas pet owners pay $11 monthly with Figo versus $15 with Fetch, a 29% difference.
- Young dogs: Figo is $20 monthly in Arkansas compared to Fetch's $40, cutting costs by 50%.
- Middle-aged cats: Figo charges $20 monthly in Arkansas against Fetch's $30, a 35% savings.
- Middle-aged dogs: Figo runs $35 monthly in Arkansas while Fetch costs $69, saving pet owners 49%.
- Senior cats: Figo costs $68 monthly in Arkansas versus Fetch's $91, a 25% difference.
- Senior dogs: Figo is $120 monthly in Arkansas compared to Fetch's $205, a 41% savings.
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Middle Aged Dogs
| Alabama | Figo | $39 | 49% |
| Alaska | Figo | $51 | 50% |
| Arizona | Figo | $64 | 50% |
| Arkansas | Figo | $35 | 49% |
| California | Figo | $66 | 49% |
| Colorado | Figo | $66 | 49% |
| Connecticut | Figo | $60 | 50% |
| Delaware | Figo | $52 | 49% |
| Florida | Figo | $59 | 49% |
| Georgia | Figo | $47 | 50% |
| Hawaii | Figo | $53 | 50% |
| Idaho | Figo | $52 | 49% |
| Illinois | Figo | $65 | 49% |
| Indiana | Figo | $47 | 49% |
| Iowa | Figo | $44 | 50% |
| Kansas | Figo | $47 | 49% |
| Kentucky | Figo | $41 | 49% |
| Louisiana | Figo | $42 | 49% |
| Maine | Figo | $64 | 49% |
| Maryland | Figo | $52 | 49% |
| Massachusetts | Figo | $67 | 49% |
| Michigan | Figo | $52 | 49% |
| Minnesota | Figo | $54 | 50% |
| Mississippi | Figo | $45 | 49% |
| Missouri | Figo | $41 | 49% |
| Montana | Figo | $44 | 49% |
| Nebraska | Figo | $47 | 50% |
| Nevada | Figo | $54 | 49% |
| New Hampshire | Figo | $61 | 50% |
| New Jersey | Figo | $59 | 50% |
| New Mexico | Figo | $46 | 50% |
| New York | Figo | $57 | 49% |
| North Carolina | Figo | $47 | 49% |
| North Dakota | Figo | $40 | 49% |
| Ohio | Figo | $48 | 49% |
| Oklahoma | Figo | $44 | 49% |
| Oregon | Figo | $65 | 49% |
| Pennsylvania | Figo | $55 | 49% |
| Rhode Island | Figo | $45 | 49% |
| South Carolina | Figo | $49 | 50% |
| South Dakota | Figo | $46 | 49% |
| Tennessee | Figo | $48 | 49% |
| Texas | Figo | $55 | 49% |
| Utah | Figo | $50 | 49% |
| Vermont | Figo | $49 | 50% |
| Virginia | Figo | $56 | 49% |
| Washington | Figo | $60 | 49% |
| West Virginia | Figo | $45 | 50% |
| Wisconsin | Figo | $56 | 49% |
| Wyoming | Figo | $48 | 50% |
How We Decided the Winning Pet Insurance Provider by State
All rates presented here were based on average pricing for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll.
Fetch vs. Figo Pet Insurance Discounts
Fetch and Figo each offer three pet insurance discounts, but they differ in what they cover. Fetch beats Figo by 5% on military discounts, while Figo wins on membership savings with 15% for Costco members versus Fetch's 10% for AARP members.
Multiple pets | None. | Save 5% automatically when you insure two or more pets with Figo. |
Military | Active military members and veterans get 10% when they enroll with proof of service. | Active duty military members or veterans receive 5% off on coverage. |
Membership | Save 10% off if you're an AARP member and you enroll through the AARP benefit page. | Costco members who enroll through the Costco program get 15% savings. |
Employer group plan | Receive 10% savings when you sign up with a participating employer's group plan. | None. |
Fetch vs. Figo Pet Insurance Customer Experience
Fetch provides better customer service for both dog and cat insurance, ranking sixth nationally in our study while Figo lags behind by one spot. Although Figo garners more positive sentiment on Reddit (17% versus 8%), Fetch outperforms its competitor in ratings from Trustpilot and the Better Business Bureau.
Fetch vs Figo Trustpilot ratings
Fetch earns a higher Trustpilot rating of 4.5 out of 5 compared to Figo's 3.7 out of 5. Fetch customers praise the company's quick claim processing and helpful customer service, though some report confusion about waiting periods and coverage limits. Figo users appreciate the easy app-based claims process and fast reimbursements, but multiple reviewers complain about claim denials and low reimbursement amounts relative to premiums paid.
Fetch vs Figo Pet Insurance Reddit Sentiment
We analyzed Reddit discussions and found that Fetch only received 8% positive feedback from 13 total comments, while Figo scored 17% positive from 12 comments. Reddit users mostly complain about Figo's overly broad definition of pre-existing conditions that leads to claim denials even for issues discovered after enrollment. They also report massive premium increases with Fetch and frustrating claim denial patterns.
Fetch vs. Figo Pet Insurance Coverage
Fetch's pet insurance coverage wins against Figo's, placing third for both pets while Figo ranks fifth nationally. Fetch outperforms its competitor by offering more flexibility in customizing deductibles and annual limits, plus it provides coverage for behavioral therapy and other pet owner benefits like boarding fees and vacation cancellation costs without charging extra like Figo.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | Only covers prevention through an optional add-on | X |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$250 to $2,500 | $100, $250, $500, $750 | |
$5,000, $10,000, $15,000, Unlimited | $5,000, $10,000, Unlimited | |
70%, 80%, 90% | 70%, 80%, 90%, 100% | |
15 days for accidents and illnesses, six months for orthopedic and cruciate conditions | 1 day for accidents, 14 days for illnesses, six months for orthopedic conditions | |
Age restrictions | No upper age limits during enrollment | No upper age restrictions for enrollment |
Pre-existing conditions | Curable pre-existing conditions may be eligible for coverage if cured and symptom-free for 365 days | Curable pre-existing conditions may be covered after 12 symptom-free months |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Fetch vs. Figo Wellness Plans
Fetch and Figo both offer wellness coverage for routine care, but they take different approaches to plan structure. Fetch beats Figo on flexibility with three coverage tiers, while Figo only offers two tiers, as outlined in the table below.
- Essentials: This plan covers basic preventive care with a $315 annual limit. You'll get reimbursed up to $30 for annual exams, vaccinations, flea prevention, heartworm testing, dental cleanings and spay/neuter procedures.
- Advantage: This plan builds on Essentials with a $520 annual limit and higher reimbursement amounts per service. Fetch also adds microchipping and anal gland expression to the covered services list.
- Prime: Fetch's top-tier plan runs $735 annually. It covers behavioral exams, health certificates and activity monitors, and pays up to $250 combined for spay/neuter procedures and dental cleaning.
- Basic: Figo reimburses fixed amounts for routine care, including $20 for wellness exams, $30 for vaccines, $40 for spay/neuter or dental cleaning and $20 for testing. The plan also pays $15 for microchipping or health certificates and $10 for deworming.
- Plus: Most Basic coverage amounts double under this plan. Figo pays $40 for wellness exams, $50 for vaccines and $75 for spay/neuter or dental cleaning. Testing coverage jumps to $45 and microchip or health certificate reimbursement goes up to $30.
Fetch vs. Figo Pet Insurance Add-ons
Fetch has no optional add-ons beyond its wellness plans. Figo, by contrast, lets you build out your policy with three riders:
- Veterinary Exam Fees for Accident and Illness Visits: Reimburses vet exam fees for eligible conditions.
- Extra Care Pack: Covers advertising and rewards for a lost pet, boarding fees, vacation cancellation, third-party property damage liability and the (cremation/burial) benefit.
- Alternative Care, Rehabilitation and Physical Therapy Riders: Covers behavioral consultations, alternative therapies, rehabilitation and physical therapy.
Fetch vs. Figo Pet Insurance: Bottom Line
Choosing between Fetch and Figo comes down to what matters most to you. Figo ranks higher overall for both dogs and cats, with lower rates across every age group. Fetch, on the other hand, may be a better fit if you place more value on customer service and broader coverage options.
Compare other major pet insurance companies to determine the best choice for your pet:
Fetch vs. Figo Pet Insurance Comparison: FAQ
Compare Fetch and Figo pet insurance through these common questions:
Which is better: Fetch or Figo pet insurance?
Figo outperforms Fetch in pet insurance, overall. However, your best choice depends on priorities: Figo beats Fetch on affordability with rates starting at $30 monthly for cats and $52 for dogs, while Fetch outperforms Figo in coverage quality and customer service (4.5 vs. 3.7 out of 5 Trustpilot rating).
Is Fetch more expensive than Figo pet insurance?
Fetch is more expensive than Figo across all age categories in our pet insurance cost study. Figo charges $30 monthly for middle-aged cats and $52 for dogs, while Fetch costs $45 and $103 respectively.
What does Fetch cover that Figo doesn't?
Fetch includes behavioral therapy coverage, boarding fees up to $1,000 and other benefits such as pet loss due to theft and vacation cancellation in its standard plan, while Figo charges extra for these services. Fetch also covers parasite treatment through its optional wellness plans, whereas Figo permanently excludes it from coverage.
Does Figo or Fetch have better reimbursement options?
Although Fetch wins for pet insurance coverage against Figo, Figo does have better reimbursement options, offering up to 100% reimbursement specifically for policies with $500 or $750 deductibles.
Which pet insurance is better for older pets: Fetch or Figo?
Fetch and Figo don't have upper age limits for enrollment, so your best option depends on your priority. Figo is more ideal if you value affordability, while Fetch is preferable if you want better coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Fetch." Accessed March 25, 2026.
- Trustpilot. "Figo." Accessed March 25, 2026.
- Better Business Bureau. "Fetch Pet Insurance." Accessed March 25, 2026.
- Better Business Bureau. "Figo Pet Insurance, LLC." Accessed March 25, 2026.