Trupanion vs. Figo Pet Insurance

Trupanion delivers superior pet insurance coverage compared to Figo, ranking second nationally while Figo places fifth for both dogs and cats. Research shows Trupanion offers more flexible deductible options and faster claim processing, while both providers maintain similar annual coverage limits and reimbursement rates, though Trupanion provides shorter waiting periods for accident coverage.

Trupanion is the best pet insurance company in 27 states for cats and 38 states for dogs. Figo leads for cat coverage in Arkansas, Nebraska and Vermont, and ranks first for dogs in Iowa and New Jersey.

Figo offers cheaper pet insurance rates than Trupanion across all age groups for both cats and dogs. For middle-aged dogs, Figo costs $52 per month compared with Trupanion's $88 per month. Middle-aged cats cost $30 with Figo versus $48 with Trupanion.

Learn more about how pet insurance costs vary across different age categories.

Figo offers the cheapest pet insurance across all 50 states, consistently beating Trupanion's rates. Figo leads in every category, including middle-aged dogs and cats, making it the more affordable choice nationwide.

Pet insurance discounts differ between Trupanion and Figo, reflecting their unique pricing models. Figo offers a few more ways to save, including multi-pet and membership discounts, while Trupanion keeps pricing straightforward with limited promotional savings. The table below shows how both providers compare.

Trupanion delivers superior customer experience compared to Figo, ranking fifth nationally for both dog and cat insurance in our analysis. Trupanion maintains consistent quality across rating platforms with an A+ BBB rating and 4.2 out of 5.0 Trustpilot score. Figo falls seven positions behind Trupanion in national rankings and shows mixed results with a B BBB rating despite earning a 3.9 out of 5.0 Trustpilot score.

Figo offers better pet insurance coverage for dogs and cats than Trupanion, ranking sixth nationally while Trupanion 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 a broader range of add-ons, while Trupanion’s optional packages focus on rehabilitation and non-medical expenses. Both providers allow policyholders to expand financial protection for unique needs beyond standard accident and illness coverage through wellness plans.

Trupanion offers two optional packages to supplement its base plan:

• Recovery and Complementary Care package: Covers rehabilitation and alternative therapies such as acupuncture, chiropractic treatment, and hydrotherapy following accidents or illnesses.
• Pet Owner Assistance package: Provides coverage for boarding if the pet owner is hospitalized, liability for property damage caused by a pet, and cremation or euthanasia in accidental death situations.

Figo provides multiple “Powerup” add-ons that expand wellness and routine care coverage:

• Wellness Powerup: Covers annual exams, dental cleaning, vaccines, blood tests, deworming, and microchipping with no waiting period.
• Exam Fee Powerup: Reimburses the vet examination fee charged for accident or illness visits.
• Extra Care Pack: Includes coverage for behavioral therapy, lost-pet advertising or recovery, and end-of-life services such as euthanasia and cremation).

Trupanion beats Figo overall, delivering superior coverage and customer service. Trupanion offers comprehensive protection with no payout limits and earns strong customer ratings with a 4.2 Trustpilot score and A+ BBB rating. However, Figo is the more affordable option with rates starting at $30 per month for middle-aged cats and $52 for dogs.

Compare Trupanion and Figo pet insurance through these common questions:

Evaluating Trupanion vs Figo required collecting quotes under identical conditions to ensure fair comparison. We analyzed both providers using the same pet profiles and policy specifications:

• $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 determine typical monthly premiums, including available discounts that affect actual costs.

Customer Experience (30% of score): We analyzed Trustpilot ratings and customer feedback to assess satisfaction with claims processing and customer support quality.

Coverage (20% of score): We examined policy features, waiting periods and available add-ons to evaluate which provider offers more comprehensive pet health protection.