Spot vs. Figo Pet Insurance

Figo delivers better pet insurance coverage for both dogs and cats than Spot, ranking fifth nationally while Spot ranks eighth. Figo offers more flexible deductible options and higher annual coverage limits, while both providers maintain similar reimbursement rates and waiting periods for accidents.

Spot is the best pet insurance company in four states for dogs and three states for cats. Figo leads in two states for dog coverage and ranks first for cats in Arkansas, Nebraska and Vermont.

Pet insurance affordability varies by age, with mixed results between Spot and Figo. Spot offers better rates for older pets, while Figo is more affordable for younger animals. For middle-aged dogs, Spot costs $49 per month compared with Figo's $52. Middle-aged cats cost $30 monthly with both providers.

Learn how much pet insurance costs across different age categories.

Pricing varies by pet type, with Figo offering the cheapest pet insurance for younger animals and Spot leading for seniors. Spot provides lower rates for middle-aged dogs nationwide, while Figo beats Spot for middle-aged cats in 35 states.

Spot offers more pet insurance discounts than Figo, giving policyholders multiple ways to save through membership and employer programs. Figo’s discount offerings are less standardized and often depend on promotional partnerships. The table below compares their main savings options.

Spot delivers superior customer experience compared to Figo, ranking second nationally for both dogs and cats in our study. Figo ranks ninth nationally, seven positions behind Spot. Spot maintains consistently strong ratings with an A+ BBB rating and 4.7 out of 5.0 Trustpilot score, while Figo shows weaker performance with a B BBB rating and 3.9 out of 5.0 Trustpilot score.

Figo offers better pet insurance coverage for dogs and cats than Spot, ranking sixth nationally while Spot 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.

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

Figo offers slightly more customization with its optional Powerup wellness plans and exam fee packages, while Spot provides two clear wellness tiers that cover routine and preventive care. Both providers allow pet owners to expand coverage for day-to-day care and treatment.

Spot offers two wellness plan add-ons:

• Gold wellness plan: Covers dental cleaning, wellness exams, vaccines, heartworm tests, deworming and fecal tests with up to $250 per year in benefits.
• Platinum wellness plan: Includes all Gold benefits plus spay/neuter, additional vaccines, health certificates, urinalysis, blood tests and flea/heartworm prevention with higher annual reimbursement.

Figo offers optional add-ons called Powerups to increase coverage for preventive care and exams:

• Basic and Plus Powerups: Cover annual exams, vaccines, blood tests, dental cleaning, and spay/neuter with set annual benefit limits.
• Exam Fee Coverage: Adds reimbursement for vet exam fees related to covered accidents or illnesses.
• Unlimited annual benefit option: Available as part of higher-tier Powerups for maximum flexibility in annual coverage.

Spot beats Figo overall, delivering better customer service and competitive pricing. Spot charges $30 per month for middle-aged cats and $49 for dogs, while earning a 4.7 Trustpilot rating and A+ BBB rating. However, Figo is the better choice for comprehensive coverage options, offering more extensive policy benefits. Pet owners prioritizing customer support and affordability should choose Spot, while those wanting maximum coverage flexibility may prefer Figo.

Compare Spot and Figo pet insurance through these common questions:

Our Spot vs Figo comparison analyzed both providers using identical pet profiles and standardized policy configurations. We evaluated each company under the same coverage conditions 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 actual monthly costs, including available discounts that reduce premiums.

Customer Experience (30% of score): We analyzed Trustpilot ratings and customer sentiment from verified reviews to measure satisfaction with claims processing and 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.