Healthy Paws vs. Figo Pet Insurance

Healthy Paws ranks sixth nationally for pet insurance for both dogs and cats, placing two spots ahead of Figo. That said, the better choice between the two depends on what you value most when choosing coverage for your pet.

• Affordability: Healthy Paws ranks sixth nationally for dog insurance, two spots ahead of Figo. For cats, Figo ranks fifth and places one position above Healthy Paws.
• 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.

Learn more about the best pet insurance options for your pet across different situations:

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.

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.

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.

Figo offers three pet insurance discounts for households with multiple pets, military members and those with eligible memberships. Healthy Paws doesn't offer discounts that lower your rate.

Healthy Paws outperforms Figo in customer service, ranking fifth nationally to Figo's seventh. Trustpilot scores back this up: Healthy Paws earns a 4.1 out of 5 versus Figo's 3.6, and the Better Business Bureau rates Healthy Paws A+ against Figo's B. Reddit sentiment also leans toward Healthy Paws, with 20% positive mentions compared to 17% for Figo.

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.

Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.

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.

The right pick between Healthy Paws and Figo for pet insurance comes down to what you need. Healthy Paws works well for pet owners who value reliable customer service and claims support, backed by high BBB and Trustpilot ratings and positive feedback from Reddit users. Figo suits those who want broader coverage, with 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:

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