Healthy Paws vs. Figo Pet Insurance: Which Is Better? (2026)

Healthy Paws vs. Figo Pet Insurance: Key Takeaways

Figo provides more affordable pet insurance rates for most age categories, charging $30 monthly for middle-aged cats and $52 for dogs, while Healthy Paws costs $59 and $136 respectively.

Healthy Paws delivers better customer experience than Figo, backed by its high Trustpilot and BBB ratings for its responsive customer service and fast claim processing.

Figo offers broader pet insurance coverage than Healthy Paws, featuring shorter waiting periods, up to 100% reimbursement and coverage for exam fees, routine care and other pet owner benefits through its optional add-ons.

Is Healthy Paws or Figo Pet Insurance Better?

Healthy Paws offers better pet insurance than Figo, securing sixth place nationally for dogs and cats, while Figo is behind two spots. While this is the case, your best choice between these two providers can change based on what matters most when buying coverage for your furry companion.

Affordability: Healthy Paws offers better rates for dog owners, ranking sixth nationally and beating Figo by two spots. Cat owners get more affordable coverage with Figo, which ranks fifth and outperforms Healthy Paws by one position.
Customer Experience: Healthy Paws excels in customer satisfaction for both dogs and cats, ranking fifth nationally. In comparison, Figo places seventh in our rankings.
Coverage: Figo takes the lead when comparing pet insurance coverage options, ranking fifth nationally for both dogs and cats. Healthy Paws trails by one spot.

Data filtered by:


Cat	Healthy Paws	6	8
Dog	Healthy Paws	6	8

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:

Best Multiple Pet Insurance

Best Pet Insurance for Accident-Only Coverage

Best Pet Insurance for Allergies

Best Pet Insurance for Cancer

Best Pet Insurance for Cats

Best Pet Insurance for Dental

Healthy Paws and Figo Comparison by State

Healthy Paws ranks as the best pet insurance company for dogs when compared to Figo, with Healthy Paws leading in 38 states, while Figo wins in 12. For cats, Figo is the better option, outperforming Healthy Paws in 29 states.

Data filtered by:


Alabama	Cat	Healthy Paws
Alabama	Dog	Healthy Paws
Alaska	Cat	Figo
Alaska	Dog	Figo
Arizona	Cat	Figo
Arizona	Dog	Healthy Paws
Arkansas	Cat	Figo
Arkansas	Dog	Figo
California	Cat	Healthy Paws
California	Dog	Healthy Paws
Colorado	Cat	Figo
Colorado	Dog	Healthy Paws
Connecticut	Cat	Figo
Connecticut	Dog	Healthy Paws
Delaware	Cat	Figo
Delaware	Dog	Healthy Paws
Florida	Cat	Figo
Florida	Dog	Healthy Paws
Georgia	Cat	Healthy Paws
Georgia	Dog	Figo
Hawaii	Cat	Healthy Paws
Hawaii	Dog	Figo
Idaho	Cat	Figo
Idaho	Dog	Healthy Paws
Illinois	Cat	Figo
Illinois	Dog	Healthy Paws
Indiana	Cat	Healthy Paws
Indiana	Dog	Healthy Paws
Iowa	Cat	Healthy Paws
Iowa	Dog	Figo
Kansas	Cat	Figo
Kansas	Dog	Healthy Paws
Kentucky	Cat	Healthy Paws
Kentucky	Dog	Healthy Paws
Louisiana	Cat	Figo
Louisiana	Dog	Healthy Paws
Maine	Cat	Healthy Paws
Maine	Dog	Healthy Paws
Maryland	Cat	Healthy Paws
Maryland	Dog	Healthy Paws
Massachusetts	Cat	Figo
Massachusetts	Dog	Healthy Paws
Michigan	Cat	Figo
Michigan	Dog	Healthy Paws
Minnesota	Cat	Figo
Minnesota	Dog	Figo
Mississippi	Cat	Healthy Paws
Mississippi	Dog	Healthy Paws
Missouri	Cat	Figo
Missouri	Dog	Healthy Paws
Montana	Cat	Healthy Paws
Montana	Dog	Healthy Paws
Nebraska	Cat	Figo
Nebraska	Dog	Figo
Nevada	Cat	Figo
Nevada	Dog	Healthy Paws
New Hampshire	Cat	Figo
New Hampshire	Dog	Healthy Paws
New Jersey	Cat	Healthy Paws
New Jersey	Dog	Figo
New Mexico	Cat	Figo
New Mexico	Dog	Figo
New York	Cat	Healthy Paws
New York	Dog	Healthy Paws
North Carolina	Cat	Healthy Paws
North Carolina	Dog	Healthy Paws
North Dakota	Cat	Figo
North Dakota	Dog	Healthy Paws
Ohio	Cat	Healthy Paws
Ohio	Dog	Healthy Paws
Oklahoma	Cat	Figo
Oklahoma	Dog	Healthy Paws
Oregon	Cat	Healthy Paws
Oregon	Dog	Healthy Paws
Pennsylvania	Cat	Healthy Paws
Pennsylvania	Dog	Healthy Paws
Rhode Island	Cat	Figo
Rhode Island	Dog	Healthy Paws
South Carolina	Cat	Figo
South Carolina	Dog	Healthy Paws
South Dakota	Cat	Figo
South Dakota	Dog	Healthy Paws
Tennessee	Cat	Healthy Paws
Tennessee	Dog	Healthy Paws
Texas	Cat	Healthy Paws
Texas	Dog	Healthy Paws
Utah	Cat	Figo
Utah	Dog	Healthy Paws
Vermont	Cat	Figo
Vermont	Dog	Figo
Virginia	Cat	Healthy Paws
Virginia	Dog	Healthy Paws
Washington	Cat	Healthy Paws
Washington	Dog	Healthy Paws
West Virginia	Cat	Figo
West Virginia	Dog	Figo
Wisconsin	Cat	Figo
Wisconsin	Dog	Healthy Paws
Wyoming	Cat	Figo
Wyoming	Dog	Figo

How We Decided the Winning Pet Insurance Provider by State

Healthy Paws vs. Figo Pet Insurance Cost

Figo is cheaper than Healthy Paws across six pet insurance cost categories: kittens, puppies, young cats, young dogs, middle-aged cats and middle-aged dogs, providing up to 76% savings for kitten coverage. Healthy Paws only offers lower rates for senior pets.

Data filtered by:


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%

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.

Healthy Paws vs. Figo Pet Insurance Cost by State

Figo offers the cheapest pet insurance in all 50 states for kittens, puppies, and young and middle-aged pets. Healthy Paws is more affordable than Figo across the country for senior cats and senior dogs.

Data filtered by:


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%

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.

Healthy Paws vs. Figo Pet Insurance Discounts

Figo has three pet insurance discounts, rewarding those who insure multiple pets, have a military background and eligible memberships. On the other hand, Healthy Paws doesn't have any opportunities for lowering your rate.


Multiple pets	None.	Get 5% off when you insure two or more pets with Figo.
Military	None.	Active duty military members or veterans save 5% on pet insurance.
Membership	None.	Receive 15% off if you're a Costco member and enroll through the Costco program.

Healthy Paws vs. Figo Pet Insurance Customer Experience

Healthy Paws delivers superior customer service against Figo, ranking fifth nationally, while Figo finishes seventh. Healthy Paws consistently earns higher ratings than Figo from Trustpilot (4.0 versus 3.7 out of 5) and the Better Business Bureau (A+ versus B). It also holds a stronger positive sentiment across Reddit users (20% versus 17%).

Healthy Paws vs Figo Trustpilot ratings

Healthy Paws scores higher on Trustpilot with a 4.0 out of 5.0 rating compared to Figo's 3.7 out of 5.0. Pet owners praise both companies for fast claim processing and easy-to-use apps, but Healthy Paws reviewers highlight quicker reimbursement times while Figo customers report more claim denials and longer processing delays.

Healthy Paws vs Figo BBB ratings

Healthy Paws maintains an A+ BBB rating compared to Figo's B rating. The A+ rating indicates Healthy Paws consistently meets BBB standards and resolves customer concerns, while Figo's B rating stems from 88 complaints filed against the business.

Healthy Paws vs Figo Pet Insurance Reddit sentiment

Healthy Paws holds 20% positive feedback from 40 total comments, while Figo garners 17% positive sentiment from 12 comments. Reddit users praise Healthy Paws for responsive customer service and fast claim processing but hammer the company for dramatic premium increases on senior pets, with many reporting rates doubling or tripling. Figo draws criticism for high upfront pricing and claim denials, with several users reporting rates doubled within the first renewal year.

Healthy Paws vs. Figo Pet Insurance Coverage

Figo offers better pet insurance coverage for dogs and cats than Healthy Paws, ranking fifth nationally while Healthy Paws ranks sixth. Figo requires shorter waiting periods for accidents, illnesses and orthopedic conditions, plus it provides up to 100% reimbursement on top of covering curable pre-existing conditions after 12 months of being symptom-free.


Diagnostics	✓	✓
Procedures	✓	✓
Medications	✓	✓
Fractures and broken bones	✓	✓
Lacerations and bite wounds	✓	✓
Parasite treatment	X	X
Cancer treatment	✓	✓
Digestive illnesses	✓	✓
Hereditary conditions	✓	✓
Congenital conditions	✓	✓
Chronic conditions	✓	✓
Hip dysplasia	✓	✓
Deductibles	$250, $500, $1,000	$100, $250, $500, $750
Annual limits	Unlimited	$5,000, $10,000, Unlimited
Reimbursement rates	70%, 80%, 90%	70%, 80%, 90%, 100%
Waiting periods	15 days for illnesses and accidents, 12 months for hip dysplasia	1 day for accidents, 14 days for illnesses, six months for orthopedic conditions
Age restrictions	Only insures pets up to age 14	No upper age limits for enrollment
Pre-existing conditions	Pre‑existing conditions are permanently excluded	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.

Healthy Paws vs. Figo Pet Insurance Add-ons

If you want to extend your base coverage to include preventive care and other benefits, Figo offers several optionals add-ons, while Healthy Paws keeps coverage simple with its standard accident and illness policy.

With Figo, you can choose from four add-ons:

Wellness Powerup: Comes in Basic and Plus tiers, covering routine exams, dental cleaning, spaying/neutering, vaccines, microchipping or health certificates and deworming.
Exam Fee Coverage: Reimburses vet exam fees for covered accidents and illnesses.
Extra Care Pack: Provides reimbursement for lost-pet advertising, vacation cancellation costs due to pet illness, boarding fees, third-party property damage liability and final respects services.
Alternative Care, Rehabilitation and Physical Therapy Riders: Covers behavioral consultations, alternative therapies, rehabilitation or physical therapy.

Healthy Paws vs. Figo Pet Insurance: Bottom Line

Choosing between Healthy Paws and Figo for pet insurance depends on your priorities. Healthy Paws is ideal if you want affordable rates for dog insurance without sacrificing service quality as the provider maintains high ratings from the BBB, Trustpilot and Reddit. However, Figo is the better option if you're looking for more comprehensive coverage, with the company providing up to 100% reimbursement and shorter waiting periods than Healthy Paws.

Compare other major pet insurance companies to determine the best choice for your pet:

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Spot vs. Embrace Pet Insurance

Spot vs. Fetch Pet Insurance

Spot vs. Figo Pet Insurance

Spot vs. Healthy Paws Pet Insurance

Spot vs. Lemonade Pet Insurance

Healthy Paws vs. Figo Pet Insurance Comparison: FAQ

Compare Healthy Paws and Figo pet insurance through these common questions:

Which is better: Healthy Paws or Figo Pet Insurance?

Healthy Paws ranks better for pet insurance overall, securing sixth place nationally for both dogs and cats compared to Figo's eighth position. Healthy Paws excels in dog insurance affordability and customer experience, maintaining a 4.0 Trustpilot rating and A+ BBB rating. Meanwhile, Figo offers more coverage options and cheaper rates for cats.

How do Healthy Paws and Figo compare on coverage and exclusions?

Figo offers better coverage than Healthy Paws, requiring shorter waiting periods for accidents and illnesses and providing up to 100% reimbursement. It also covers curable pre-existing conditions after 12 symptom-free months, plus routine care, alternative therapy, vet exam fees and other pet owner benefits through its optional add-ons. That said, both Figo and Healthy Paws exclude parasite treatment and prevention in their coverage.

Is Healthy Paws or Figo cheaper for pet insurance?

Figo offers cheaper pet insurance rates than Healthy Paws for most age groups, winning in six out of eight 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. Meanwhile, Healthy Paws is more affordable than Figo for senior pets, providing 36% to 38% savings.

What are the main differences between Healthy Paws and Figo Pet Insurance?

Healthy Paws provides better customer experience with faster claim processing and higher satisfaction ratings, while Figo offers three discounts (multiple pets, military, Costco members) compared to none from Healthy Paws. Figo allows 100% reimbursement and optional wellness coverage, but Healthy Paws keeps plans simple with accident and illness coverage only. Figo also costs less for younger cats and dogs, while Healthy Paws offers better rates for senior pets.

Is Healthy Paws or Figo better for puppies and kittens?

Figo costs 56% less for puppies and 76% less for kittens compared to Healthy Paws across all states. Figo offers a shorter one-day waiting period for accidents versus Healthy Paws' longer wait times and provides multiple discount options including 5% for insuring multiple pets. Healthy Paws delivers better customer service, but Figo's affordability and broader coverage makes it the better choice for young pets.

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.

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