Figo offers better pet insurance coverage than Healthy Paws for both dogs and cats, ranking fifth nationally while Healthy Paws ranks sixth. Research shows both providers offer similar deductible options and reimbursement rates, but Figo provides more flexible annual coverage limits and shorter waiting periods for accident claims, giving pet owners faster access to benefits when their pets need care.
Healthy Paws vs. Figo Pet Insurance
Updated: November 3, 2025
Advertising & Editorial Disclosure
Healthy Paws 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 Healthy Paws costs $59 and $136 respectively.
Healthy Paws ranks fifth nationally in customer experience for both cats and dogs, with a Trustpilot rating of 3.8 out of 5.0 stars, while Figo places seventh with 3.9 stars.
Figo ranks fifth nationwide for coverage compared to Healthy Paws at sixth place, offering accident coverage after 3 days and wellness care add-ons, while Healthy Paws has a 15-day accident waiting period with no wellness options.
Is Healthy Paws or Figo Pet Insurance Better?
Data filtered by:
Dog
| Affordability | Healthy Paws | 6 | 8 |
| Coverage | Figo | 5 | 6 |
| Customer Experience | Healthy Paws | 5 | 7 |
| Overall Score | Healthy Paws | 6 | 8 |
Healthy Paws and Figo Comparison by State
Healthy Paws is the best pet insurance company in 38 states for dogs and 21 states for cats. Figo leads in just two states for dogs (Iowa and New Jersey) and three states for cats (Arkansas, Nebraska and Vermont).
Data filtered by:
Overall Score
Dog
| Alabama | Healthy Paws | 6 | 2 |
| Alaska | Figo | 6 | 0 |
| Arizona | Healthy Paws | 6 | 1 |
| Arkansas | Figo | 5 | 1 |
| California | Healthy Paws | 6 | 3 |
| Colorado | Healthy Paws | 6 | 2 |
| Connecticut | Healthy Paws | 6 | 2 |
| Delaware | Healthy Paws | 6 | 2 |
| Florida | Healthy Paws | 6 | 2 |
| Georgia | Figo | 6 | 0 |
| Hawaii | Figo | 5 | 1 |
| Idaho | Healthy Paws | 6 | 2 |
| Illinois | Healthy Paws | 6 | 3 |
| Indiana | Healthy Paws | 6 | 2 |
| Iowa | Figo | 4 | 2 |
| Kansas | Healthy Paws | 6 | 2 |
| Kentucky | Healthy Paws | 6 | 2 |
| Louisiana | Healthy Paws | 6 | 1 |
| Maine | Healthy Paws | 6 | 4 |
| Maryland | Healthy Paws | 6 | 3 |
| Massachusetts | Healthy Paws | 6 | 3 |
| Michigan | Healthy Paws | 6 | 2 |
| Minnesota | Figo | 6 | 0 |
| Mississippi | Healthy Paws | 6 | 3 |
| Missouri | Healthy Paws | 6 | 2 |
| Montana | Healthy Paws | 6 | 2 |
| Nebraska | Figo | 5 | 1 |
| Nevada | Healthy Paws | 6 | 2 |
| New Hampshire | Healthy Paws | 6 | 1 |
| New Jersey | Figo | 4 | 2 |
| New Mexico | Figo | 6 | 0 |
| New York | Healthy Paws | 6 | 2 |
| North Carolina | Healthy Paws | 6 | 3 |
| North Dakota | Healthy Paws | 6 | 2 |
| Ohio | Healthy Paws | 6 | 2 |
| Oklahoma | Healthy Paws | 6 | 3 |
| Oregon | Healthy Paws | 6 | 3 |
| Pennsylvania | Healthy Paws | 6 | 3 |
| Rhode Island | Healthy Paws | 6 | 2 |
| South Carolina | Healthy Paws | 6 | 3 |
| South Dakota | Healthy Paws | 6 | 2 |
| Tennessee | Healthy Paws | 6 | 2 |
| Texas | Healthy Paws | 6 | 2 |
| Utah | Healthy Paws | 6 | 2 |
| Vermont | Figo | 5 | 1 |
| Virginia | Healthy Paws | 6 | 3 |
| Washington | Healthy Paws | 6 | 2 |
| West Virginia | Figo | 6 | 0 |
| Wisconsin | Healthy Paws | 6 | 2 |
| Wyoming | Figo | 6 | 0 |
Healthy Paws vs. Figo Pet Insurance Cost
Figo offers more affordable pet insurance than Healthy Paws across most age groups for both cats and dogs. For middle-aged dogs, Figo costs $52 per month compared with Healthy Paws' $136 per month. Middle-aged cats cost $30 monthly with Figo versus $59 with Healthy Paws. Healthy Paws only beats Figo's rates for senior pets.
Learn how much pet insurance costs across different age categories.
Data filtered by:
Select
| Kittens | Figo | $10 | 76% |
| Young Cats | Figo | $16 | 40% |
| Puppies | Figo | $21 | 56% |
| Young Dogs | Figo | $30 | 32% |
| Middle Aged Cats | Figo | $30 | 49% |
| Middle Aged Dogs | Figo | $52 | 62% |
| Senior Cats | Healthy Paws | $63 | 38% |
| Senior Dogs | Healthy Paws | $115 | 36% |
Healthy Paws vs. Figo Pet Insurance Cost by State
Figo offers the cheapest pet insurance across most categories, leading in pricing for middle-aged dogs and cats. However, Healthy Paws provides better rates specifically for senior pets in all states.
Data filtered by:
Middle Aged Dogs
| Alabama | Figo | $39 | 62% |
| Alaska | Figo | $51 | 62% |
| Arizona | Figo | $64 | 62% |
| Arkansas | Figo | $35 | 62% |
| California | Figo | $66 | 62% |
| Colorado | Figo | $66 | 62% |
| Connecticut | Figo | $60 | 62% |
| Delaware | Figo | $52 | 62% |
| Florida | Figo | $59 | 62% |
| Georgia | Figo | $47 | 62% |
| Hawaii | Figo | $53 | 62% |
| Idaho | Figo | $52 | 62% |
| Illinois | Figo | $65 | 62% |
| Indiana | Figo | $47 | 62% |
| Iowa | Figo | $44 | 62% |
| Kansas | Figo | $47 | 62% |
| Kentucky | Figo | $41 | 62% |
| Louisiana | Figo | $42 | 62% |
| Maine | Figo | $64 | 61% |
| Maryland | Figo | $52 | 61% |
| Massachusetts | Figo | $67 | 62% |
| Michigan | Figo | $52 | 62% |
| Minnesota | Figo | $54 | 62% |
| Mississippi | Figo | $45 | 62% |
| Missouri | Figo | $41 | 62% |
| Montana | Figo | $44 | 62% |
| Nebraska | Figo | $47 | 62% |
| Nevada | Figo | $54 | 62% |
| New Hampshire | Figo | $61 | 62% |
| New Jersey | Figo | $59 | 62% |
| New Mexico | Figo | $46 | 62% |
| New York | Figo | $57 | 62% |
| North Carolina | Figo | $47 | 62% |
| North Dakota | Figo | $40 | 62% |
| Ohio | Figo | $48 | 62% |
| Oklahoma | Figo | $44 | 62% |
| Oregon | Figo | $65 | 62% |
| Pennsylvania | Figo | $55 | 62% |
| Rhode Island | Figo | $45 | 62% |
| South Carolina | Figo | $49 | 62% |
| South Dakota | Figo | $46 | 62% |
| Tennessee | Figo | $48 | 62% |
| Texas | Figo | $55 | 62% |
| Utah | Figo | $50 | 62% |
| Vermont | Figo | $49 | 62% |
| Virginia | Figo | $56 | 62% |
| Washington | Figo | $60 | 62% |
| West Virginia | Figo | $45 | 62% |
| Wisconsin | Figo | $56 | 62% |
| Wyoming | Figo | $48 | 62% |
Healthy Paws vs. Figo Pet Insurance Discounts
Healthy Paws offers a straightforward accident and illness plan with no built-in savings programs, while Figo provides limited opportunities to lower costs through pet insurance discounts like multi-pet enrollment. Although neither offers bundling or association discounts, Figo’s flexible plan structure can help reduce total premiums for households insuring multiple pets.
None available | Save up to 5% when you enroll two or more pets under one policy | |
Bundling | None | None |
Annual Pay-In-Full | None | None |
Association/Club Member | None | None |
Employer Group | None | None |
Healthy Paws vs. Figo Pet Insurance Customer Experience
Healthy Paws delivers better customer experience than Figo, ranking fifth nationally for both dog and cat coverage in our analysis. Figo ranks twelfth, trailing by seven positions. Healthy Paws maintains an A+ BBB rating compared to Figo's B rating, though Figo edges slightly ahead on Trustpilot with 3.9 out of 5.0 versus Healthy Paws' 3.8 score. Overall, Healthy Paws shows more consistent quality across rating platforms.
Healthy Paws vs Figo Trustpilot ratings
Figo earns a slightly higher Trustpilot rating at 3.9 out of 5.0 compared to Healthy Paws' 3.8 out of 5.0. Both providers show mixed customer feedback from verified users, with reviews highlighting varying experiences in claims processing and customer service responsiveness.
Healthy Paws vs Figo BBB ratings
Healthy Paws maintains an A+ BBB rating and is accredited, indicating strong complaint resolution and business transparency. Figo holds a B rating and is also accredited, though the lower grade suggests room for improvement in customer service standards.
Healthy Paws vs Figo Pet Insurance Reddit sentiment
We analyzed Reddit discussions and found challenging sentiment for both providers. Healthy Paws received 20% positive feedback from 40 total comments, while Figo achieved 17% positive sentiment from 12 comments. The data suggests both companies face customer satisfaction challenges, with Healthy Paws showing slightly better overall perception despite higher comment volume.
Healthy Paws vs. Figo Pet Insurance Coverage
Figo offers better pet insurance coverage for dogs and cats than Healthy Paws, ranking sixth nationally while Healthy Paws ranks eighth. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but Figo has a shorter waiting period for accidents, more coverage selection flexibility and allows pet owners to change their coverage within the first 14 days of purchase.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ (as part of illness coverage) | ✓ (may require add-on) |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100–$500 | $100–$750 | |
Unlimited | $5,000, $10,000 or Unlimited | |
70%, 80%, 90% | 70%, 80%, 90%, 100% | |
15 days for accidents and illnesses | 2 days for accidents, 14 days for illnesses, 6 months for orthopedic conditions | |
Age restrictions | No upper age limit for accident and illness plans | No upper age limit for accident and illness plans |
Not covered | Curable conditions may be covered after a symptom-free period | |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Healthy Paws vs. Figo Pet Insurance Add-ons
If you want more financial protection for preventive care, Figo offers several wellness add-ons, while Healthy Paws keeps coverage simple with accident and illness protection only. Figo’s flexible structure allows pet owners to tailor plans with optional Powerup packages that include exams, dental care and other wellness benefits.
Healthy Paws Pet Insurance Add-ons
Healthy Paws does not offer separate wellness or preventive-care add-ons. Its single plan focuses entirely on accident and illness coverage, with no routine care options available in most states.
Figo Pet Insurance Add-ons
Figo provides optional wellness and exam-fee Powerups to expand your base coverage.
- Wellness Powerup: Covers routine exams, dental cleaning, vaccines, fecal tests, and heartworm or flea prevention.
- Exam Fee Coverage: Reimburses costs of vet exams for covered accidents and illnesses.
- Extra Care Pack: Adds financial protection for lost-pet advertising, vacation cancellation due to pet illness and other unexpected expenses.
Healthy Paws vs. Figo Pet Insurance: Bottom Line
Choosing between Healthy Paws and Figo depends on your priorities. Figo offers more affordable coverage, with rates starting at $52 monthly for middle-aged dogs and $30 for cats. Figo also provides comprehensive coverage options including wellness add-ons and shorter waiting periods. However, Healthy Paws delivers better customer service, earning an A+ BBB rating and 3.8 out of 5.0 on Trustpilot compared to Figo's B rating and 3.9 Trustpilot score.
Healthy Paws vs. Figo Pet Insurance Comparison: FAQ
Compare Healthy Paws and Figo pet insurance through these common questions:
Which is cheaper: Healthy Paws vs Figo pet insurance?
Figo offers cheaper pet insurance rates than Healthy Paws for most age groups, winning in 6 out of 8 categories across all states. Middle-aged cats cost $30 monthly with Figo versus $59 with Healthy Paws. Middle-aged dogs show even bigger savings at $52 monthly compared to Healthy Paws' $136.
Which has better customer service: Healthy Paws vs Figo pet insurance?
Healthy Paws delivers superior customer service, ranking 5th nationally for customer experience while Figo ranks 12th. Healthy Paws maintains an A+ BBB rating and 3.8 out of 5.0 Trustpilot score, compared to Figo's B BBB rating and 3.9 Trustpilot score, making Healthy Paws the clear winner overall.
Which offers better coverage: Healthy Paws vs Figo pet insurance?
Figo offers better coverage than Healthy Paws, ranking 5th nationally compared to Healthy Paws' 6th-place ranking for both cats and dogs. Figo provides more comprehensive add-on options including behavioral therapy, dental illness coverage, and end-of-life care. Both insurers cover standard needs like diagnostics, medications, and chronic conditions, but Figo's broader selection of optional benefits allows greater customization for your pet's specific needs.
Can I switch from Healthy Paws vs Figo pet insurance or vice versa?
You can switch between Healthy Paws and Figo anytime by canceling your current policy and buying a new one. However, new waiting periods will apply: 14 days for illnesses and six months for orthopedic conditions with Healthy Paws, while Figo has 14-day illness and 12-month cruciate ligament waiting periods. Pre-existing conditions won't transfer coverage.
Does Healthy Paws vs Figo cover pre-existing conditions?
Neither Healthy Paws nor Figo covers pre-existing conditions when you first enroll your pet. Both companies follow standard industry practice by excluding any health issues your pet had before coverage begins. However, Figo may cover curable pre-existing conditions after your pet remains symptom-free for 12 consecutive months, while Healthy Paws maintains stricter exclusions.
Can I get discounts with both Healthy Paws vs Figo pet insurance?
Yes, both Healthy Paws and Figo offer discounts to help reduce premium costs. Healthy Paws provides multiple discount options, including savings for military members, veterinary professionals, and animal shelter employees. Figo offers fewer discount programs but includes multi-pet discounts and occasional promotional savings for new customers seeking affordable coverage.
What are the age limits for Healthy Paws vs Figo pet insurance?
Figo accepts pets of any age for enrollment with no upper age limits, making it accessible for senior animals. Healthy Paws restricts enrollment to pets under 5 years old, which significantly limits coverage options for older pets and eliminates the possibility of insuring senior animals.
How We Scored Healthy Paws vs. Figo Pet Insurance
Evaluating Healthy Paws vs Figo required collecting data under identical conditions to ensure fair comparison. We obtained quotes from both insurers using standardized pet profiles and the same policy parameters:
- $5,000 annual limit
- 80% reimbursement rate
- $500 deductible
- 6-year-old Labrador Retriever for dog coverage
- 7-year-old Ragdoll for cat coverage
Our analysis used three weighted criteria to score each provider:
Affordability (50% of score): We compared pricing across different pet ages and coverage options, including available discounts, to determine typical monthly premium costs.
Customer Experience (30% of score): We analyzed Trustpilot reviews and online feedback to assess customer satisfaction with claims processing and support quality.
Coverage (20% of score): We examined policy benefits, waiting periods and optional add-ons to evaluate the comprehensiveness of protection offered.
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.