Trupanion beats Figo for pet insurance overall. Trupanion ranks fifth for cats and sixth for dogs. Figo places eighth for both pets. Your best choice depends on your priorities. For cheaper cat insurance, choose Figo. For lower dog rates, better customer experience or more comprehensive coverage, choose Trupanion.
Trupanion vs. Figo Pet Insurance
Updated: February 2, 2026
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Trupanion vs. Figo Pet Insurance: Key Takeaways
Figo costs less than Trupanion across all pet age groups. You save 24% to 59% monthly. Figo has three discounts. Trupanion has none.
Trupanion has better customer experience than Figo. Trupanion holds 4.4 out of 5.0 and A+ ratings from Trustpilot and BBB for fast claim processing and direct payments to vets.
Trupanion has broader coverage than Figo. It pays vets directly and uses per-condition deductibles that don't reset each year.
Is Trupanion or Figo Pet Insurance Better?
| Cat | Affordability | Figo | 5 | 5 |
| Cat | Coverage | Trupanion | 2 | 5 |
| Cat | Customer Experience | Trupanion | 5 | 7 |
| Cat | Overall Score | Trupanion | 5 | 8 |
| Dog | Affordability | Trupanion | 6 | 8 |
| Dog | Coverage | Trupanion | 2 | 5 |
| Dog | Customer Experience | Trupanion | 5 | 7 |
| Dog | Overall Score | Trupanion | 6 | 8 |
How We Decided the Winning Pet Insurance Provider
All scores use 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.
Learn more about the best pet insurance options for your pet across different situations:
Trupanion and Figo Comparison by State
According to our analysis, Trupanion ranks as the best pet insurance company in 38 states for dogs compared to Figo's 12 states. For cats, Trupanion wins in 28 states while Figo leads in 22 states.
Data filtered by:
Select
| Alabama | Cat | Trupanion |
| Alabama | Dog | Trupanion |
| Alaska | Cat | Figo |
| Alaska | Dog | Figo |
| Arizona | Cat | Figo |
| Arizona | Dog | Trupanion |
| Arkansas | Cat | Figo |
| Arkansas | Dog | Figo |
| California | Cat | Trupanion |
| California | Dog | Trupanion |
| Colorado | Cat | Figo |
| Colorado | Dog | Trupanion |
| Connecticut | Cat | Figo |
| Connecticut | Dog | Trupanion |
| Delaware | Cat | Figo |
| Delaware | Dog | Trupanion |
| Florida | Cat | Trupanion |
| Florida | Dog | Trupanion |
| Georgia | Cat | Trupanion |
| Georgia | Dog | Figo |
| Hawaii | Cat | Trupanion |
| Hawaii | Dog | Figo |
| Idaho | Cat | Trupanion |
| Idaho | Dog | Trupanion |
| Illinois | Cat | Figo |
| Illinois | Dog | Trupanion |
| Indiana | Cat | Trupanion |
| Indiana | Dog | Trupanion |
| Iowa | Cat | Trupanion |
| Iowa | Dog | Figo |
| Kansas | Cat | Figo |
| Kansas | Dog | Trupanion |
| Kentucky | Cat | Trupanion |
| Kentucky | Dog | Trupanion |
| Louisiana | Cat | Figo |
| Louisiana | Dog | Trupanion |
| Maine | Cat | Trupanion |
| Maine | Dog | Trupanion |
| Maryland | Cat | Trupanion |
| Maryland | Dog | Trupanion |
| Massachusetts | Cat | Trupanion |
| Massachusetts | Dog | Trupanion |
| Michigan | Cat | Figo |
| Michigan | Dog | Trupanion |
| Minnesota | Cat | Trupanion |
| Minnesota | Dog | Figo |
| Mississippi | Cat | Trupanion |
| Mississippi | Dog | Trupanion |
| Missouri | Cat | Figo |
| Missouri | Dog | Trupanion |
| Montana | Cat | Trupanion |
| Montana | Dog | Trupanion |
| Nebraska | Cat | Figo |
| Nebraska | Dog | Figo |
| Nevada | Cat | Figo |
| Nevada | Dog | Trupanion |
| New Hampshire | Cat | Figo |
| New Hampshire | Dog | Trupanion |
| New Jersey | Cat | Trupanion |
| New Jersey | Dog | Figo |
| New Mexico | Cat | Figo |
| New Mexico | Dog | Figo |
| New York | Cat | Trupanion |
| New York | Dog | Trupanion |
| North Carolina | Cat | Trupanion |
| North Carolina | Dog | Trupanion |
| North Dakota | Cat | Figo |
| North Dakota | Dog | Trupanion |
| Ohio | Cat | Trupanion |
| Ohio | Dog | Trupanion |
| Oklahoma | Cat | Trupanion |
| Oklahoma | Dog | Trupanion |
| Oregon | Cat | Trupanion |
| Oregon | Dog | Trupanion |
| Pennsylvania | Cat | Trupanion |
| Pennsylvania | Dog | Trupanion |
| Rhode Island | Cat | Trupanion |
| Rhode Island | Dog | Trupanion |
| South Carolina | Cat | Trupanion |
| South Carolina | Dog | Trupanion |
| South Dakota | Cat | Figo |
| South Dakota | Dog | Trupanion |
| Tennessee | Cat | Trupanion |
| Tennessee | Dog | Trupanion |
| Texas | Cat | Trupanion |
| Texas | Dog | Trupanion |
| Utah | Cat | Figo |
| Utah | Dog | Trupanion |
| Vermont | Cat | Figo |
| Vermont | Dog | Figo |
| Virginia | Cat | Trupanion |
| Virginia | Dog | Trupanion |
| Washington | Cat | Trupanion |
| Washington | Dog | Trupanion |
| West Virginia | Cat | Figo |
| West Virginia | Dog | Figo |
| Wisconsin | Cat | Figo |
| Wisconsin | Dog | Trupanion |
| Wyoming | Cat | Figo |
| Wyoming | Dog | Figo |
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.
Trupanion vs. Figo Pet Insurance Cost
Figo beats Trupanion on affordability across all pet insurance cost categories. You'll save between 24% and 59% monthly by choosing Figo, with the biggest savings for puppies and young dogs.
- Kittens: Figo costs $10 monthly compared to Trupanion's $16. You save 36%.
- Puppies: You pay $21 with Figo versus $52 for Trupanion. That's a 59% difference.
- Young Cats: Trupanion charges $25 monthly. Figo charges $16. You save 36%.
- Young Dogs: Figo's $30 monthly rate beats Trupanion's $69 by 57%.
- Middle Aged Cats: Figo costs $30 monthly. That's 38% less than Trupanion's $48 monthly rate.
- Middle Aged Dogs: Figo charges $52 per month compared to Trupanion's $88 per month. You cut your monthly cost by 41%.
- Senior Cats: Trupanion costs $134 monthly versus Figo's $103 monthly. You save 24%.
- Senior Dogs: Figo costs $180 monthly. Trupanion costs $252 monthly. You save 29% with Figo.
Data filtered by:
Select
| Kittens | Figo | $10 | 36% |
| Young Cats | Figo | $16 | 36% |
| Puppies | Figo | $21 | 59% |
| Young Dogs | Figo | $30 | 57% |
| Middle Aged Cats | Figo | $30 | 38% |
| Middle Aged Dogs | Figo | $52 | 41% |
| Senior Cats | Figo | $103 | 24% |
| Senior Dogs | Figo | $180 | 29% |
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.
Trupanion vs. Figo Pet Insurance Cost by State
Figo offers the cheapest pet insurance in all 50 states, beating Trupanion for both dogs and cats across every age group, from kittens and puppies to senior pets.
Data filtered by:
Middle Aged Dogs
| Alabama | Figo | $39 | 40% |
| Alaska | Figo | $51 | 40% |
| Arizona | Figo | $64 | 41% |
| Arkansas | Figo | $35 | 40% |
| California | Figo | $66 | 41% |
| Colorado | Figo | $66 | 41% |
| Connecticut | Figo | $60 | 41% |
| Delaware | Figo | $52 | 41% |
| Florida | Figo | $59 | 40% |
| Georgia | Figo | $47 | 41% |
| Hawaii | Figo | $53 | 41% |
| Idaho | Figo | $52 | 41% |
| Illinois | Figo | $65 | 41% |
| Indiana | Figo | $47 | 41% |
| Iowa | Figo | $44 | 41% |
| Kansas | Figo | $47 | 41% |
| Kentucky | Figo | $41 | 41% |
| Louisiana | Figo | $42 | 41% |
| Maine | Figo | $64 | 40% |
| Maryland | Figo | $52 | 40% |
| Massachusetts | Figo | $67 | 41% |
| Michigan | Figo | $52 | 41% |
| Minnesota | Figo | $54 | 41% |
| Mississippi | Figo | $45 | 40% |
| Missouri | Figo | $41 | 40% |
| Montana | Figo | $44 | 40% |
| Nebraska | Figo | $47 | 41% |
| Nevada | Figo | $54 | 41% |
| New Hampshire | Figo | $61 | 41% |
| New Jersey | Figo | $59 | 41% |
| New Mexico | Figo | $46 | 41% |
| New York | Figo | $57 | 41% |
| North Carolina | Figo | $47 | 40% |
| North Dakota | Figo | $40 | 40% |
| Ohio | Figo | $48 | 41% |
| Oklahoma | Figo | $44 | 40% |
| Oregon | Figo | $65 | 41% |
| Pennsylvania | Figo | $55 | 41% |
| Rhode Island | Figo | $45 | 41% |
| South Carolina | Figo | $49 | 41% |
| South Dakota | Figo | $46 | 40% |
| Tennessee | Figo | $48 | 41% |
| Texas | Figo | $55 | 41% |
| Utah | Figo | $50 | 40% |
| Vermont | Figo | $49 | 41% |
| Virginia | Figo | $56 | 41% |
| Washington | Figo | $60 | 40% |
| West Virginia | Figo | $45 | 41% |
| Wisconsin | Figo | $56 | 41% |
| Wyoming | Figo | $48 | 41% |
How We Decided the Winning Pet Insurance Provider by State
All rates presented here were based on average pricing for Labrador Retrievers and Ragdolls from the age of less than 1 years old up to 20 years of age.
Trupanion vs. Figo Pet Insurance Discounts
Figo offers three pet insurance discounts, while Trupanion has none. Multi-pet households and those with military background can save 5% on pet insurance, while Costco members get 15% off through Figo's Costco program.
Multiple pets | None. | Get 5% off when you insure two or more pets with Figo. |
Military | None. | Active duty military members or veterans save 5% on pet insurance. |
Membership | None. | Costco members who enroll through the Costco program access 15% discount. |
Trupanion vs. Figo Pet Insurance Customer Experience
Trupanion leads in customer experience for both dogs and cats, ahead of Figo in our national ranking by two spots. Trupanion earns higher ratings from Trustpilot and the Better Business Bureau, plus it holds stronger positive sentiment on Reddit for its fast claim processing and direct payment to vets.
Trupanion vs. Figo Trustpilot ratings
Trupanion earns a higher Trustpilot rating at 4.4 out of 5.0 compared to Figo's 3.6 out of 5.0. Pet owners praise Trupanion for fast claims processing and direct vet payments, while Figo users appreciate the straightforward app and quick reimbursements. Complaints center on Trupanion's higher premiums and occasional claim denials, versus Figo's coverage disputes and low reimbursement amounts.
Trupanion vs. Figo BBB ratings
Trupanion earns an A+ BBB rating, while Figo holds a B rating. The higher rating reflects Trupanion's fewer customer complaints and stronger adherence to BBB standards, while Figo's 88 complaints over three years lowered its score. Both companies remain BBB accredited and work to resolve customer issues.
Trupanion vs. Figo Pet Insurance Reddit Sentiment
We analyzed Reddit discussions and found Trupanion receives 44% positive sentiment from 16 total comments, whereas Figo garners 17% positive sentiment from 12 comments. Pet owners praise Trupanion's responsive customer service and direct vet payment system, while Figo users highlight the mobile app but complain about lazy claims handling and repeated documentation requests. Both companies face criticism for claim denials, though Trupanion's per-condition deductible and clear policy language earn more trust from Reddit users.
Trupanion vs. Figo Pet Insurance Coverage
Trupanion outperforms Figo on pet insurance coverage, ranking second nationally, while Figo trails by three spots. Trupanion edges ahead by offering the option to pay licensed veterinarians directly, reducing upfront costs. It also has per-condition deductibles that don't reset each year and shorter waiting periods, depending on the state.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | X | X |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$0 to $1,000; deductible applies per condition for the lifetime of the pet | $100, $250, $500, $750 | |
Unlimited | $5,000, $10,000, Unlimited | |
90% | 70%, 80%, 90%, 100% | |
5 days for accidents, 30 days for illnesses in most states. These waiting periods change for the following states:
| 1 day for accidents, 14 days for illnesses, six months for orthopedic conditions | |
Age restrictions | Only insures pets below 14 years old | No upper age limits for enrollment |
Pre-existing conditions | Conditions that occurred 18 months prior to your policy’s effective date or during waiting periods are permanently excluded | Curable pre-existing conditions may be covered after 12 symptom-free months |
Direct vet payment | Offers to pay licensed veterinarians right at checkout, as long as the vet has Trupanion's software installed | Doesn't have direct vet payment feature |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Trupanion vs. Figo Pet Insurance Add-ons
If you want to expand your base coverage, Trupanion offers three optional add-ons that focus on breeding, pet owner assistance and recovery care rather than routine care. Meanwhile, Figo has four offerings, covering routine care, vet exam fees, pet owner benefits and alternative care.
- Breeding: Provides coverage for illnesses and injuries related to breeding, whelping and queening.
- Pet owner assistance package: Reimburses expenses related to lost pets, boarding, vacation cancellation, third-party property damage caused by your pet or cremation or burial assistance.
- Recovery and complementary care: Covers rehabilitative therapy, hydrotherapy, chiropractic treatments, acupuncture, and behavioral therapies associated with covered accidents or illnesses.
- Wellness plan: Depending on the tier (Basic or Plus), this covers routine services, including annual wellness exams, vaccines, fecal exams, deworming, blood work, spay/neuter, microchipping and dental cleanings.
- Veterinary exam fees: Provides reimbursement for vet exam fees related to eligible accidents or illnesses.
- Extra care pack: Covers benefits such as advertising and reward for lost pet, boarding fees, vacation cancellation costs, third-party property damage liability and final respects (cremation/burial) assistance.
- Alternative care, rehabilitation and physical therapy riders: These are add-ons for covering behavioral consultations, alternative therapies, rehabilitation or physical therapy.
Trupanion vs. Figo Pet Insurance: Bottom Line
Trupanion beats Figo for pet insurance overall. Trupanion has better customer experience and coverage. It maintains a 4.4 out of 5.0 Trustpilot score and A+ BBB rating. Trupanion pays vets directly and uses per-condition deductibles. For affordability, Figo costs less across all age groups. Rates start at $30 per month for middle-aged cats and $52 per month for dogs.
Compare other major pet insurance companies to determine the best choice for your pet:
Trupanion vs. Figo Pet Insurance Comparison: FAQ
Compare Trupanion and Figo pet insurance through these common questions:
What are the main differences between Trupanion and Figo pet insurance?
Trupanion uses per-condition deductibles that never reset once met, while Figo charges annual deductibles each policy year. Trupanion pays vets directly at 90% reimbursement with no annual limits, whereas Figo lets you customize reimbursement rates from 70% to 100% and choose annual limits from $5,000 to unlimited. Figo offers more plan flexibility and costs less, but Trupanion provides better customer service and coverage.
Is Trupanion or Figo cheaper for dog and cat insurance?
Figo is cheaper than Trupanion across all pet ages, saving you between 24% and 59% monthly. You'll pay $10 monthly for kitten coverage with Figo compared to Trupanion's $16, while middle-aged dog coverage costs $52 with Figo versus Trupanion's $88.
Which has better coverage for chronic and hereditary conditions: Trupanion or Figo?
Trupanion ranks second nationally for coverage quality, while Fetch places fifth, though both companies cover hereditary and congenital conditions that aren't pre-existing. Trupanion's per-condition deductible saves you money long-term with chronic conditions because you only pay the deductible once instead of annually. Figo matches Trupanion's comprehensive illness and accident coverage but requires you to meet your deductible every policy year for ongoing conditions.
How do claims and reimbursements compare between Trupanion and Figo?
Trupanion pays licensed vets directly through its software system, covering 90% of eligible costs after your per-condition deductible. Figo requires you to pay upfront and submit claims for reimbursement, though you can choose reimbursement rates from 70% to 100%. Both companies process most claims within 24 hours, but Figo's Reddit reviews show more complaints about claim denials and processing delays than Trupanion.
Which pet insurance is better overall: Trupanion or Figo?
Trupanion ranks better overall than Figo for both dogs and cats, winning on customer experience and coverage. However, Figo offers cheaper premiums across all age groups. Your best choice depends on whether you prioritize comprehensive service and direct vet payment or lower monthly costs with discount options.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.