Trupanion vs. Figo Pet Insurance

Trupanion provides superior pet insurance compared to Figo. It offers more flexible deductible options and faster claim processing.

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

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. It also 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.

If you have a middle-aged dog, Figo will cost you $52 per month compared with Trupanion's $88 per month. For your middle-aged cat, you will pay $30 with Figo versus $48 with Trupanion.

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 broad range of add-ons compared to Trupanion, but the latter offers optional packages that focus on rehabilitation and non-medical expenses.

These are add-ons to the base plan:

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

Figo provides add-ons that expand wellness and routine care coverage:

• Wellness Powerup: Covers annual exams, dental cleaning, vaccines, blood tests, deworming and microchipping. These have no waiting period.
• Exam Fee Powerup: Reimburses the vet examination fee that you are charged for accident or illness visits.
• Extra Care Pack: This includes coverage for behavioral therapy, lost-pet advertising or recovery. It also offers cover for end-of-life services such as euthanasia and cremation.

Trupanion beats Figo overall. Trupanion offers comprehensive protection with no payout limits and earns strong customer ratings with a 4.2 Trustpilot score and A+ BBB rating. But if you are looking at affordability, then you could choose Figo, with rates starting at $30 per month for middle-aged cats and $52 for dogs.

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

Compare Trupanion and Figo pet insurance through these common questions:

Choosing between Trupanion and Figo means understanding which provider offers better value for your pet's specific needs. We built this comparison to show whether you're paying for meaningful coverage differences or just marketing.

Our Quote Collection Process

We obtained quotes from both companies using identical pet profiles and policy specifications to ensure fair comparison. For dog coverage, we used a six-year-old Labrador Retriever. For cat coverage, we profiled a seven-year-old Ragdoll. Both quotes included a $5,000 annual limit, 80% reimbursement rate and $500 deductible.

These coverage parameters represent the middle ground most pet owners select. They balance affordable premiums with meaningful financial protection when your pet needs surgery or ongoing treatment for chronic conditions.

We collected quotes across different pet ages and coverage options to understand how each company's pricing scales as your pet gets older. A policy that's affordable for a two-year-old dog may become unmanageable by age 10, so we tested pricing at different life stages.