Fetch provides better pet insurance coverage than Figo for both dogs and cats, ranking third nationally while Figo ranks fifth. Fetch offers more flexible deductible options, higher annual coverage limits, and shorter accident waiting periods, while both companies provide similar reimbursement rates and allow coverage adjustments within the first 30 days of enrollment.
Fetch vs. Figo Pet Insurance
Updated: November 3, 2025
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Fetch vs. Figo Pet Insurance: Key Takeaways
Figo provides more affordable pet insurance rates, charging $30 monthly for middle-aged cats and $52 for dogs, while Fetch costs $45 and $103 respectively.
Fetch ranks sixth nationally in customer experience for both cats and dogs, earning a 4.5 out of 5.0 Trustpilot rating, while Figo places seventh with 3.9 stars.
Fetch demonstrates stronger coverage options, ranking third nationwide compared to Figo's fifth place position, with both providers offering standard accident coverage and wellness add-ons.
Is Fetch or Figo Pet Insurance Better?
Data filtered by:
Dog
| Affordability | Figo | 8 | 13 |
| Coverage | Fetch | 3 | 5 |
| Customer Experience | Fetch | 6 | 7 |
| Overall Score | Figo | 8 | 11 |
Fetch and Figo Comparison by State
Figo ranks as the best pet insurance company in five states total, leading cat coverage in Arkansas, Nebraska and Vermont plus dog coverage in Iowa and New Jersey. Fetch takes the top spot for cats in Maryland.
Data filtered by:
Overall Score
Dog
| Alabama | Figo | 8 | 3 |
| Alaska | Figo | 6 | 5 |
| Arizona | Figo | 7 | 7 |
| Arkansas | Figo | 5 | 7 |
| California | Figo | 9 | 4 |
| Colorado | Figo | 8 | 5 |
| Connecticut | Figo | 8 | 4 |
| Delaware | Figo | 8 | 3 |
| Florida | Figo | 8 | 5 |
| Georgia | Figo | 6 | 6 |
| Hawaii | Figo | 5 | 6 |
| Idaho | Figo | 8 | 4 |
| Illinois | Figo | 9 | 5 |
| Indiana | Figo | 8 | 4 |
| Iowa | Figo | 4 | 7 |
| Kansas | Figo | 8 | 3 |
| Kentucky | Figo | 8 | 3 |
| Louisiana | Figo | 7 | 4 |
| Maine | Figo | 10 | 2 |
| Maryland | Figo | 9 | 2 |
| Massachusetts | Figo | 9 | 4 |
| Michigan | Figo | 8 | 3 |
| Minnesota | Figo | 6 | 6 |
| Mississippi | Figo | 9 | 2 |
| Missouri | Figo | 8 | 3 |
| Montana | Figo | 8 | 3 |
| Nebraska | Figo | 5 | 7 |
| Nevada | Figo | 8 | 5 |
| New Hampshire | Figo | 7 | 6 |
| New Jersey | Figo | 4 | 10 |
| New Mexico | Figo | 6 | 5 |
| New York | Figo | 8 | 6 |
| North Carolina | Figo | 9 | 2 |
| North Dakota | Figo | 8 | 3 |
| Ohio | Figo | 8 | 4 |
| Oklahoma | Figo | 9 | 2 |
| Oregon | Figo | 9 | 4 |
| Pennsylvania | Figo | 9 | 4 |
| Rhode Island | Figo | 8 | 3 |
| South Carolina | Figo | 9 | 2 |
| South Dakota | Figo | 8 | 3 |
| Tennessee | Figo | 8 | 5 |
| Texas | Figo | 8 | 5 |
| Utah | Figo | 8 | 3 |
| Vermont | Figo | 5 | 6 |
| Virginia | Figo | 9 | 2 |
| Washington | Figo | 8 | 3 |
| West Virginia | Figo | 6 | 5 |
| Wisconsin | Figo | 8 | 4 |
| Wyoming | Figo | 6 | 5 |
Fetch vs. Figo Pet Insurance Cost
Figo offers more affordable pet insurance than Fetch across all age groups for both cats and dogs. Middle-aged dogs cost $52 per month with Figo compared with Fetch's $103 per month. For cats, it's $30 with Figo versus $45 with Fetch.
Learn how much pet insurance costs across different age categories.
Data filtered by:
Select
| 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% |
Fetch vs. Figo Pet Insurance Cost by State
Figo offers the cheapest pet insurance across all 50 states, beating Fetch in every category. Figo provides lower rates for middle-aged dogs, middle-aged cats, and all other age groups nationwide.
Data filtered by:
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% |
Fetch vs. Figo Pet Insurance Discounts
Both Fetch and Figo offer a few ways for pet owners to save on premiums, though their discount structures differ. Figo’s automatic multi-pet discount benefits families with more than one animal, while Fetch focuses on membership and service-based savings like military and AARP discounts.
No multi-pet discount publicly available. | Save 5% automatically when you insure two or more pets. | |
Bundling | None | None |
Annual Pay-In-Full | None | None |
Association/Club Member | AARP members receive 10% off for life. Active and former U.S. military members get 10% off monthly premiums. | Some partner discounts may apply based on organization participation. |
Employer Group | Available as part of Fetch’s employee benefits program for participating organizations. | No employer discount program listed. |
Fetch vs. Figo Pet Insurance Customer Experience
Fetch delivers superior customer experience compared to Figo, ranking sixth nationally for both dog and cat insurance in our analysis. Figo trails significantly at thirteenth place. Fetch maintains stronger third-party ratings with a BBB rating of A+ and Trustpilot score of 4.5 out of 5.0, while Figo shows weaker performance with a B BBB rating and 3.9 Trustpilot score.
Fetch vs Figo Trustpilot ratings
Fetch earns a higher Trustpilot rating at 4.5 out of 5.0 compared to Figo's 3.9 out of 5.0. These verified customer reviews indicate stronger overall satisfaction with Fetch's service delivery and customer experience.
Fetch vs Figo BBB ratings
Fetch maintains an A+ BBB rating and is accredited, reflecting strong complaint resolution and business transparency. Figo holds a B rating and is accredited, indicating adequate but less consistent complaint handling practices.
Fetch vs Figo Pet Insurance Reddit Sentiment
We analyzed Reddit discussions and found mixed sentiment for both providers. Fetch received 8% positive feedback from 13 total comments, while Figo scored 17% positive from 12 comments. Both providers show challenging Reddit sentiment, though Figo performs slightly better in organic user discussions.
Fetch vs. Figo Pet Insurance Coverage
Both providers deliver comprehensive pet insurance coverage for accidents and illnesses. Figo’s plans offer near-instant coverage for accidents and optional unlimited annual limits, while Fetch covers pets of all ages and includes hereditary, chronic, and congenital conditions as standard.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ (routine prevention through wellness add-on) | ✓ (routine prevention through wellness add-on) |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$300, $500, $700, $900 | $100, $250, $500, $750, $1,000 | |
$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 | 1 day for accidents, 14 days for illnesses | |
Age restrictions | Eligible from 6 weeks old, no upper age limit | Enrollment available for pets 6 weeks and older |
Not covered (curable conditions may be re-eligible after evaluation) | Not covered | |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Fetch vs. Figo Pet Insurance Add-ons
Add-ons let pet owners enhance their financial protection by including routine and preventive care coverage. Both Fetch and Figo offer wellness options that reimburse for everyday health services such as vaccinations, dental cleaning, and spay/neuter procedures.
Fetch Pet Insurance Add-ons
Fetch offers wellness coverage that reimburses a fixed amount each year for preventive services.
- Wellness plan: Covers annual exams, dental cleaning, vaccines, blood tests, spay/neuter, parasite prevention, microchipping, and grooming.
- Virtual vet visits and prescription coverage: Some Fetch plans include access to online vet consultations and reimbursement for prescription medications or behavioral training services.
Figo Pet Insurance Add-ons
Figo’s optional wellness and specialty coverage tiers can be added to enhance routine and advanced care.
- Wellness Powerup: Covers vaccines, dental cleaning, spay/neuter, blood tests, and parasite prevention under an annual allowance.
- Exam fee add-on: Reimburses vet visit fees for covered accidents or illnesses.
- Extra Care Pack: Expands reimbursement options for specialized therapies like acupuncture or hydrotherapy and may offer higher reimbursement caps for major illnesses.
Fetch vs. Figo Pet Insurance: Bottom Line
Choosing between Fetch and Figo depends on your priorities for pet insurance. Figo delivers better affordability with rates starting at $52 per month for middle-aged dogs and $30 for cats, compared to Fetch's significantly higher premiums. However, Fetch offers more comprehensive coverage options and superior customer service, earning a 4.5 out of 5.0 Trustpilot rating and A+ BBB rating compared to Figo's 3.9 Trustpilot score and B rating.
Fetch vs. Figo Pet Insurance Comparison: FAQ
Compare Fetch and Figo pet insurance through these common questions:
Which is cheaper: Fetch vs Figo pet insurance?
Figo is cheaper than Fetch across all pet age groups in all 50 states. Middle-aged cats cost $30 per month with Figo versus Fetch's $45. The savings are even more dramatic for middle-aged dogs, where Figo charges $52 monthly compared to Fetch's $103 rate.
Which has better customer service: Fetch vs Figo pet insurance?
Fetch delivers superior customer service, ranking 6th nationally for customer experience while Figo trails significantly behind. Fetch maintains a 4.5 out of 5.0 Trustpilot score and an A+ BBB rating, compared to Figo's 3.9 Trustpilot rating and B BBB grade, demonstrating Fetch's stronger commitment to customer satisfaction.
Which offers better coverage: Fetch vs Figo pet insurance?
Fetch offers better coverage than Figo, ranking third nationally compared to Figo's fifth-place position for both cats and dogs. Fetch provides extensive add-on options including behavioral therapy, dental illness coverage, and end-of-life care, while Figo focuses primarily on wellness plans. Both insurers cover standard veterinary needs like diagnostics, medications, and chronic conditions, but Fetch's broader selection of optional benefits allows more customization for your pet's specific needs.
Can I switch from Fetch vs Figo pet insurance or vice versa?
Yes, you can switch from Fetch to Figo or vice versa by canceling your current policy and purchasing a new one. However, new waiting periods will apply: 14 days for illnesses and 6 months for orthopedic conditions with both providers. Any conditions your pet had under the previous policy will be considered pre-existing and won't be covered.
Does Fetch vs Figo cover pre-existing conditions?
Neither Fetch nor Figo covers pre-existing conditions when you first enroll your pet. However, both companies may provide coverage for certain conditions later. Fetch covers curable pre-existing conditions after your pet remains symptom-free for 18 months. Figo also covers curable conditions but requires a 12-month waiting period without symptoms.
Can I get discounts with both Fetch vs Figo pet insurance?
Yes, both Fetch and Figo offer multiple discount opportunities. Fetch provides five discount options, including 10% off for multi-pet households, military members, veterinary professionals, and certain employer groups, plus additional savings through partnerships. Figo offers three main discounts: 5% for annual payment plans, up to 10% for multiple pets, and occasional promotional offers for new customers.
What are the age limits for Fetch vs Figo pet insurance?
Figo accepts pets of any age with no upper enrollment limits, making it accessible for senior animals. Fetch restricts enrollment to pets under 14 years old, which limits coverage options for older pets. This age difference makes Figo the better choice for owners with senior pets.
How We Scored Fetch vs. Figo Pet Insurance
Evaluating Fetch versus Figo required gathering quotes and policy details under identical conditions. We analyzed both providers using the same pet profiles and coverage specifications to ensure fair comparison:
- $5,000 annual limit
- 80% reimbursement rate
- $500 deductible
- 6-year-old Labrador Retriever for dog coverage
- 7-year-old Ragdoll for cat coverage
Each provider received scores based on three weighted factors that matter most to pet owners:
Affordability (50% of score): We collected quotes across different pet ages and coverage options to assess typical monthly premiums, including available discounts that affect actual costs.
Customer Experience (30% of score): We analyzed Trustpilot ratings and customer feedback to measure satisfaction levels with claims processing and customer support services.
Coverage (20% of score): We examined policy features, waiting periods and available add-ons to determine which provider offers more comprehensive pet health protection.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.