Figo provides better pet insurance than Fetch overall, ranking eighth nationally for both dogs and cats, while Fetch places 11th and 10th, respectively. Your best option will vary based on your priorities, though. If affordability matters most to you, consider Figo over Fetch. If you're seeking superior customer service and coverage, however, Fetch may suit your needs better.
Fetch vs. Figo Pet Insurance
Updated: January 8, 2026
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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 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 have superior pet insurance coverage than Figo, covering behavioral therapy and pet owner benefits such as vacation cancellation costs and boarding fees without charging extra like Figo.
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 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.
Learn more about the best pet insurance options for your pet across different situations:
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 presented here were based on averages for pricing for Labrador Retrievers and Ragdolls from the age of less than 1 years old up to 20 years of age across 50 states.
Fetch vs. Figo Pet Insurance Cost by State
Figo offers the cheapest pet insurance across all 50 states for every age category compared to Fetch. Below, we break down how much you'll pay with these two providers based on your location and pet's age.
- Kittens: Arkansas offers the best rates, with Figo at $7 monthly compared to Fetch's $9, for about 27% savings.
- Puppies: Figo costs $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 for 29% savings,
- Young dogs: Figo beats Fetch in Arkansas at $20 monthly compared to $40, cutting costs by 50%.
- Middle-aged cats: Arkansas delivers $20 monthly rates with Figo against Fetch's $30, providing 35% savings.
- Middle-aged dogs: Figo charges $35 monthly in Arkansas, while Fetch costs $69, saving 49% on premiums.
- Senior cats: Arkansas owners pay $68 with Figo versus Fetch's $91 for 25% savings.
- Senior dogs: Figo costs $120 monthly in Arkansas compared to Fetch's $205, a 41% difference.
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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 5.0 compared to Figo's 3.7 out of 5.0. 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: 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: Builds on Essentials coverage with a $520 annual limit and higher reimbursement amounts per service. Fetch adds microchipping and anal gland expression to the covered services list.
- Prime: Offers the highest coverage at $735 annually with the most comprehensive benefits. Fetch includes behavioral exams, health certificates, activity monitors and pays up to $250 for spay/neuter procedures and dental cleaning combined.
- Basic: Reimburses fixed amounts for routine care, including $20 for wellness exams, $30 for vaccines, $40 for either spay/neuter or dental cleaning and $20 for testing. Figo also pays $15 for microchipping or health certificates and $10 for deworming.
- Plus: Doubles most Basic coverage amounts with $40 for wellness exams, $50 for vaccines and $75 for spay/neuter or dental cleaning. Testing jumps to $45 and microchip or health certificate coverage increases to $30.
Fetch vs. Figo Pet Insurance Add-ons
Fetch doesn't have other optional add-ons beyond its wellness plans, while Figo offers the following riders:
- Veterinary Exam Fees for Accident and Illness Visits: Reimburses the cost of vet exam fees for eligible conditions.
- Extra Care Pack: Covers benefits such as advertising and reward for lost pet, boarding fees, vacation cancellation, third-party property damage liability and final respects (cremation/burial) benefit.
- Alternative Care, Rehabilitation and Physical Therapy Riders: Provides coverage for behavioral consultations, alternative therapies, rehabilitation or physical therapy.
Fetch vs. Figo Pet Insurance: Bottom Line
Choosing between Fetch and Figo depends on your priorities for pet insurance. Figo is the better option for both dogs and cats overall, excelling in providing affordable rates for every age category. However, Fetch may suit your needs more if you're looking for better customer service and pet insurance coverage.
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 5.0 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 does not?
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.