MoneyGeek's analysis found Spot is the stronger pet insurance choice for dogs and cats overall. Your best pick still depends on what matters most. Figo works well for broader coverage and lower dog premiums, while Spot wins out on customer service and cat pricing.
Spot vs. Figo Pet Insurance
Updated: October 14, 2026
Advertising & Editorial Disclosure
Spot vs. Figo Pet Insurance: Key Takeaways
Spot saves 29% to 34% on premiums for middle-aged and senior pets. Figo costs less for younger animals, cutting kitten premiums by up to 23%.
On customer service, Spot pulls ahead with a 4.7 out of 5 Trustpilot score, an A+ BBB rating and 45% positive Reddit sentiment tied to fast claims and helpful reps.
Figo covers more ground on the policy side, with up to 100% reimbursement, a shorter accident waiting period and optional add-ons for alternative care and pet owner benefits.
Is Spot or Figo Pet Insurance Better?
| Cat | Affordability | Spot | 4 | 5 |
| Cat | Coverage | Figo | 5 | 8 |
| Cat | Customer Experience | Spot | 2 | 7 |
| Cat | Overall Score | Spot | 2 | 8 |
| Dog | Affordability | Figo | 8 | 9 |
| Dog | Coverage | Figo | 5 | 8 |
| Dog | Customer Experience | Spot | 2 | 7 |
| Dog | Overall Score | Spot | 6 | 8 |
How We Decided the Winning Pet Insurance Provider
All scores are based on average pricing and customer experience data for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll, using a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Find pet insurance plans designed for different budgets, conditions and coverage goals:
Spot and Figo Comparison by State
Between Spot and Figo, Spot ranks as the best pet insurance company in 46 states for cats and 39 states for dogs. Figo upsets Spot in Alaska, Arkansas, Nebraska and Vermont for cat insurance. It also leads for dogs in Alaska, Arkansas, Georgia, Hawaii, Iowa, Louisiana, Minnesota, Nebraska, New Jersey, New Mexico and Vermont.
Data filtered by:
Select
| Alabama | Cat | Spot |
| Alabama | Dog | Spot |
| Alaska | Cat | Figo |
| Alaska | Dog | Figo |
| Arizona | Cat | Spot |
| Arizona | Dog | Spot |
| Arkansas | Cat | Figo |
| Arkansas | Dog | Figo |
| California | Cat | Spot |
| California | Dog | Spot |
| Colorado | Cat | Spot |
| Colorado | Dog | Spot |
| Connecticut | Cat | Spot |
| Connecticut | Dog | Spot |
| Delaware | Cat | Spot |
| Delaware | Dog | Spot |
| Florida | Cat | Spot |
| Florida | Dog | Spot |
| Georgia | Cat | Spot |
| Georgia | Dog | Figo |
| Hawaii | Cat | Spot |
| Hawaii | Dog | Figo |
| Idaho | Cat | Spot |
| Idaho | Dog | Spot |
| Illinois | Cat | Spot |
| Illinois | Dog | Spot |
| Indiana | Cat | Spot |
| Indiana | Dog | Spot |
| Iowa | Cat | Spot |
| Iowa | Dog | Figo |
| Kansas | Cat | Spot |
| Kansas | Dog | Spot |
| Kentucky | Cat | Spot |
| Kentucky | Dog | Spot |
| Louisiana | Cat | Spot |
| Louisiana | Dog | Figo |
| Maine | Cat | Spot |
| Maine | Dog | Spot |
| Maryland | Cat | Spot |
| Maryland | Dog | Spot |
| Massachusetts | Cat | Spot |
| Massachusetts | Dog | Spot |
| Michigan | Cat | Spot |
| Michigan | Dog | Spot |
| Minnesota | Cat | Spot |
| Minnesota | Dog | Figo |
| Mississippi | Cat | Spot |
| Mississippi | Dog | Spot |
| Missouri | Cat | Spot |
| Missouri | Dog | Spot |
| Montana | Cat | Spot |
| Montana | Dog | Spot |
| Nebraska | Cat | Figo |
| Nebraska | Dog | Figo |
| Nevada | Cat | Spot |
| Nevada | Dog | Spot |
| New Hampshire | Cat | Spot |
| New Hampshire | Dog | Spot |
| New Jersey | Cat | Spot |
| New Jersey | Dog | Figo |
| New Mexico | Cat | Spot |
| New Mexico | Dog | Figo |
| New York | Cat | Spot |
| New York | Dog | Spot |
| North Carolina | Cat | Spot |
| North Carolina | Dog | Spot |
| North Dakota | Cat | Spot |
| North Dakota | Dog | Spot |
| Ohio | Cat | Spot |
| Ohio | Dog | Spot |
| Oklahoma | Cat | Spot |
| Oklahoma | Dog | Spot |
| Oregon | Cat | Spot |
| Oregon | Dog | Spot |
| Pennsylvania | Cat | Spot |
| Pennsylvania | Dog | Spot |
| Rhode Island | Cat | Spot |
| Rhode Island | Dog | Spot |
| South Carolina | Cat | Spot |
| South Carolina | Dog | Spot |
| South Dakota | Cat | Spot |
| South Dakota | Dog | Spot |
| Tennessee | Cat | Spot |
| Tennessee | Dog | Spot |
| Texas | Cat | Spot |
| Texas | Dog | Spot |
| Utah | Cat | Spot |
| Utah | Dog | Spot |
| Vermont | Cat | Figo |
| Vermont | Dog | Figo |
| Virginia | Cat | Spot |
| Virginia | Dog | Spot |
| Washington | Cat | Spot |
| Washington | Dog | Spot |
| West Virginia | Cat | Spot |
| West Virginia | Dog | Spot |
| Wisconsin | Cat | Spot |
| Wisconsin | Dog | Spot |
| Wyoming | Cat | Spot |
| Wyoming | Dog | Spot |
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.
Spot vs. Figo Pet Insurance Cost
Spot costs less for senior and middle-aged pets, while Figo has lower pet insurance costs for younger animals. Here's how the two compare across life stages:
- Kittens: Figo charges $10 per month, while Spot comes in at $14, putting Figo 23% lower for the youngest cats.
- Puppies: Monthly premiums run $21 with Figo compared to $25 with Spot, a 15% difference that compounds over time as your puppy grows.
- Young Cats: At $16 per month, Figo undercuts Spot’s $19 rate, trimming costs by 14% during your cat’s early adult years.
- Young Dogs: Figo’s $30 monthly premium edges out Spot’s $32, though the 7% gap is narrower than in other age brackets.
- Middle-Aged Cats: Both providers sit at about $30 per month, with less than a 1% difference separating their rates.
- Middle-Aged Dogs: Spot lists a $49 monthly premium versus Figo’s $52, creating a modest 7% price gap.
- Senior Cats: Older cats see a wider split, with Spot priced at $72 per month compared to Figo’s $103, a 29% difference.
- Senior Dogs: Spot charges $118 monthly, while Figo averages $180, making Spot 34% lower as care needs increase.
Data filtered by:
Select
| Kittens | Figo | $10 | 23% |
| Young Cats | Figo | $16 | 14% |
| Puppies | Figo | $21 | 15% |
| Middle Aged Cats | Spot | $30 | 0% |
| Young Dogs | Figo | $30 | 7% |
| Middle Aged Dogs | Spot | $49 | 7% |
| Senior Cats | Spot | $72 | 29% |
| Senior Dogs | Spot | $118 | 34% |
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.
Spot vs. Figo Pet Insurance Cost by State
Based on our study, Figo offers the cheapest pet insurance for kittens, puppies and young pets in all 50 states in comparison to Spot. For middle-aged dogs and senior animals, Spot wins against Figo nationwide.
Data filtered by:
Middle Aged Dogs
| Alabama | Spot | $36 | 7% |
| Alaska | Spot | $48 | 6% |
| Arizona | Spot | $59 | 7% |
| Arkansas | Spot | $33 | 6% |
| California | Spot | $61 | 7% |
| Colorado | Spot | $61 | 7% |
| Connecticut | Spot | $56 | 7% |
| Delaware | Spot | $49 | 7% |
| Florida | Spot | $55 | 7% |
| Georgia | Spot | $44 | 6% |
| Hawaii | Spot | $49 | 6% |
| Idaho | Spot | $49 | 7% |
| Illinois | Spot | $60 | 7% |
| Indiana | Spot | $44 | 7% |
| Iowa | Spot | $41 | 6% |
| Kansas | Spot | $44 | 7% |
| Kentucky | Spot | $39 | 6% |
| Louisiana | Spot | $39 | 6% |
| Maine | Spot | $59 | 7% |
| Maryland | Spot | $48 | 7% |
| Massachusetts | Spot | $63 | 7% |
| Michigan | Spot | $49 | 7% |
| Minnesota | Spot | $51 | 6% |
| Mississippi | Spot | $41 | 7% |
| Missouri | Spot | $38 | 7% |
| Montana | Spot | $41 | 7% |
| Nebraska | Spot | $44 | 6% |
| Nevada | Spot | $50 | 7% |
| New Hampshire | Spot | $56 | 7% |
| New Jersey | Spot | $55 | 6% |
| New Mexico | Spot | $43 | 6% |
| New York | Spot | $53 | 7% |
| North Carolina | Spot | $43 | 7% |
| North Dakota | Spot | $37 | 7% |
| Ohio | Spot | $45 | 7% |
| Oklahoma | Spot | $41 | 7% |
| Oregon | Spot | $61 | 7% |
| Pennsylvania | Spot | $51 | 7% |
| Rhode Island | Spot | $43 | 6% |
| South Carolina | Spot | $46 | 7% |
| South Dakota | Spot | $43 | 7% |
| Tennessee | Spot | $45 | 7% |
| Texas | Spot | $52 | 7% |
| Utah | Spot | $47 | 6% |
| Vermont | Spot | $45 | 6% |
| Virginia | Spot | $52 | 7% |
| Washington | Spot | $56 | 7% |
| West Virginia | Spot | $42 | 7% |
| Wisconsin | Spot | $52 | 7% |
| Wyoming | Spot | $45 | 7% |
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.
Spot vs. Figo Pet Insurance Discounts
Spot and Figo each have three pet insurance discounts, but they're aimed at different customers. Both give multi-pet discounts, but Spot's is 10% and Figo's is 5%, so Spot is the better choice for multi-pet households. Figo is better for Costco members, with a 15% discount, and gives military members 5% off. Spot is better for AAA and Blue Cross Blue Shield members, with 10% off, and has savings through employer group plans.
Multiple pets | 10% off on each additional pet’s premium when you insure more than one pet. | Receive 5% discount when you enroll two or more pets. |
Association/Membership | Members of American Automobile Association (AAA) and Blue Cross Blue Shield get 10% off on pet insurance. | Costco members who enroll through the Costco program save 15% on pet insurance. |
Employer group plan | Receive 10% discount for joining a participating employer's group plan. | None. |
Military | None. | 5% off for active duty military members or veterans. |
Spot vs. Figo Pet Insurance Customer Experience
Spot has better customer service than Figo. It ranks second nationally for both dogs and cats, and Figo ranks seventh for cats and eighth for dogs. Spot has a 4.7 out of 5 Trustpilot score, an A+ BBB rating and 45% positive sentiment on Reddit.
Spot vs Figo Trustpilot ratingsSpot earns a 4.7 out of 5 Trustpilot rating compared to Figo's 3.6 out of 5, with customers praising Spot's fast claim processing (often within a week) and straightforward reimbursement process, though some reviewers mention denied claims for pre-existing conditions. Figo customers appreciate the easy-to-use app and quick payments but report frustrations with claim denials, vague coverage explanations and inconsistent adjuster decisions.
- Spot vs Figo BBB ratings
Spot maintains an A+ BBB rating, while Figo holds a B rating. The A+ rating shows Spot meets the highest BBB accreditation standards with minimal unresolved complaints, while Figo's B rating stems from 88 filed complaints over the review period.
- Spot vs Figo Pet Insurance Reddit Sentiment
Spot earns 45% positive sentiment on Reddit from 29 total comments compared to Figo's 17% positive feedback from 12 total comments, with Spot users praising quick claims processing and responsive customer service while noting some claim denials for pre-existing conditions. Figo Reddit discussions reveal frustrations with frequent claim denials and requests for excessive documentation, though a small number of users appreciate its user-friendly app and fast reimbursements.
Spot vs. Figo Pet Insurance Coverage
Figo's pet insurance coverage for dogs and cats ranks fifth, three spots ahead of Spot. Figo has up to 100% reimbursement and a shorter accident waiting period. It also has more add-ons to expand your base policy, including coverage for exam fees, alternative care and pet owner benefits.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ | X |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $250, $500, $750, $1,000 | $100, $250, $500, $750 | |
$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited | $5,000, $10,000, Unlimited | |
70%, 80%, 90% | 70%, 80%, 90%, 100% | |
14 days for accidents, illnesses and orthopedic conditions | 1 day for accidents, 14 days for illnesses, six months for orthopedic conditions | |
Age restrictions | No upper age limits for enrollment | No upper age restrictions for enrollment |
Pre-existing conditions | Curable conditions may be covered after 180 symptom-free days | Curable pre-existing conditions may qualify for coverage 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.
Spot vs. Figo Pet Insurance Add-ons
If you want to expand your base coverage, both Spot and Figo offer optional add-ons, though Spot only has one that focuses on routine care, while Figo has several you can choose from.
- Gold wellness plan: Provides reimbursement up to $250 annually for dental cleaning, wellness exams, vaccines, heartworm tests, deworming and fecal tests.
- Platinum wellness plan: Features all Gold benefits and adds spaying/neutering, additional vaccines, health certificates, urinalysis, blood tests and flea/heartworm prevention with higher annual reimbursement.
- Basic wellness coverage: Reimburses fixed amounts for routine care, such as $10 for deworming, $15 for microchipping or health certificates, $20 for wellness exams, $30 for vaccines, $40 for either spay/neuter or dental cleaning and $20 for testing.
- Plus wellness coverage: Increases most Basic coverage limits with $30 for microchip or health certificate, $40 for wellness exams, $45 for testing, $50 for vaccines and $75 for spay/neuter procedure or dental cleaning.
- Veterinary Exam Fees for Accident and Illness Visits: Reimburses vet exam fees for eligible conditions.
- Extra Care Pack: Provides reimbursement for the cost of advertising and reward for lost pet, boarding, vacation cancellation, third-party property damage liability and final respects (cremation/burial) assistance.
- Alternative Care, Rehabilitation and Physical Therapy Riders: Covers behavioral consultations, alternative therapies, rehabilitation or physical therapy.
Spot vs. Figo Pet Insurance: Bottom Line
Spot leads on pet insurance for dogs and cats overall, backed by a 4.7 out of 5 Trustpilot score and an A+ BBB rating. Its rates also run lower for cats, with up to 29% savings for middle-aged and senior felines. Figo pulls ahead on coverage depth, with up to 100% reimbursement and a shorter accident waiting period. Dog owners also pay less with Figo, starting at $21 monthly for puppies.
Spot vs. Figo Pet Insurance Comparison: FAQ
Compare Spot and Figo pet insurance through these common questions:
Overall, Spot is the better choice for dogs and cats because of its excellent service and lower rates for senior pets. Figo is the better pick if you want broader coverage or lower rates for a younger pet.
Spot has better customer service and higher satisfaction ratings. Figo has lower monthly rates for puppies, kittens, young cats and young dogs. Spot is cheaper for senior pets, at 29% to 34% less than Figo. Both insurers have customizable coverage, but Figo's options go further, with up to 100% reimbursement and a shorter accident waiting period.
Spot covers curable pre-existing conditions after 180 consecutive symptom-free days. In contrast, Figo provides coverage for curable pre-existing conditions after 12 months without symptoms or treatment.
Figo offers cheaper rates for younger pets, costing $10 monthly for kittens versus Spot's $14 and $21 monthly for puppies versus Spot's $25. Spot provides better value for senior pets with monthly rates 29% cheaper for senior cats ($72 versus $103) and 34% cheaper for senior dogs ($118 versus $180).
Spot ranks as the better choice for both dogs and cats based on overall performance, winning in 46 states for cats and 39 states for dogs. Spot also offers superior customer experience with a 4.7 out of 5 Trustpilot rating and faster claim processing for both species. Figo provides more affordable coverage for younger dogs and cats but falls behind in customer satisfaction and claim approval rates across both pet types.
About Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. He sets the research framework, data standards and content structure for his team. All content goes through his accuracy review before publication. Connor also writes in-depth guides and has spent more than four years covering insurance products across personal, commercial and specialty lines.
The research infrastructure Connor built covers auto, home, renters, life, health, business and pet insurance across pricing analysis, carrier research, customer experience and coverage evaluation. It includes over 6 million data points for business insurance across 408 industry areas, all 50 states and 16 vehicle types. The pet insurance side covers over 5 million profiles across 18 major providers, 100+ breeds and ages up to 20 years. Connor’s insurance research and his team's work have been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Connor also talks with underwriters and carrier liaisons at Ethos, The Hartford, ERGO NEXT, Nationwide and State Farm, and monitors business and pet owner communities on Reddit. Those sources shape how his team evaluates carriers, structures rate analysis and writes content for real pet owners.
Questions about MoneyGeek's business or pet insurance content? Reach him at connor@moneygeek.com or on LinkedIn.
Sources
- Trustpilot. "Spot Pet Insurance ." Accessed November 5, 2026.
- Trustpilot. "Figo Pet Insurance ." Accessed November 5, 2026.
- Better Business Bureau. "Spot Pet Insurance Services, LLC." Accessed November 5, 2026.
- Better Business Bureau. "Figo Pet Insurance, LLC." Accessed November 5, 2026.