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Figo vs Trupanion Pet Insurance: Cost, Coverage, Overview

Pets may seem like family, but they aren’t considered dependents for health insurance purposes. Pet insurance allows you to pay a little monthly charge for significantly cheaper medical bills for your pet.

For accident and illness coverage, Figo offers three pricing options, while Trupanion offers a sliding scale where you can set your own deductible to get the best price and coverage. 

If you have a dog or cat at home, stay reading to find out more about the benefits and differences between Figo and Trupanion, as well as which pet insurance option is ideal for your budget and your pet’s health.

Here is a full review of Figo and Trupanion, their pros and cons, what differentiates them, and why you should go for one.

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Overview Of Figo

Figo is a pet insurance company that was founded in 2015. Deductibles range from $100 to $750, with reimbursement percentages of 70%, 80%, 90%, and even 100% available.

Annual coverage limits range from $5,000 to $10,000, with limitless coverage options available as well.

Check Also: 15 Best Pet Insurance For Cats In 2023 | Full Guide

Overview Of Trupanion

Trupanion is another pet insurance provider that is innovative in its own right.

While it lacks a social network, it is one of the few insurance firms that provides immediate vet reimbursement, which means you don’t have to pay the vets first and then claim your money afterward.

Read Also: What is the Pet Insurance that covers Preventive Care in 2023?

What Is Figo Pet Insurance?

Figo pet insurance protects cats and dogs from accidents and illnesses, helping to cover the costs of emergency visits, hospitalizations, treatments, and veterinary exams.

This pet insurance is like the health insurance you get for yourself in that you must satisfy an annual deductible before coverage begins, the policy spells out what is covered (and what isn’t), and you pay a monthly fee.

Figo pet insurance is unique in that instead of paying a copay at the time of service, you pay the veterinarian charge first and then make a claim.

Most pet insurance policies, including Figo’s, do not cover pre-existing conditions if your pet exhibits symptoms at the time you purchase a policy.

Figo will make an exception for treatable conditions if your pet has shown no signs in the last 12 months.

There are also waiting periods before your coverage kicks in for some ailments. This means that if you gain Figo pet insurance for your dog and they diagnose it with a knee condition before the waiting time is up, your plan will not cover the veterinarian exam and treatment.

Figo will not cover breed-specific illnesses, unlike some of our other Best Pet Insurance Companies of 2023.

Read sample policies carefully to learn what pet insurance will and will not cover, how and where the policy can be used, and how the claims and reimbursement process works, just like you would with any other type of insurance.

Chronic and inherited illnesses, cancer treatment, diagnoses, surgeries, emergency visits, medicines, imaging, prosthetics, and orthopedics are all covered by Figo pet insurance.

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What Is Trupanion Pet Insurance?

Trupanion provides pet insurance for dogs and cats that includes coverage for accidents, diseases, injuries, and medical care ranging from hospitalizations and emergency visits to chronic and breed-specific disorders.

Also, trupanion pet insurance operates in the same way as human health insurance in that you pay a monthly premium, reach a deductible before receiving 90 percent coverage, and the policy specifies specific coverages and exclusions. Trupanion has a lifetime deductible per disease.

This implies you won’t have to pay a deductible every year. Instead, each covered disease has a deductible, which you pay just once over the course of the plan’s lifetime. This can help you save money on veterinary treatment in the long run.

Another significant distinction between Trupanion pet insurance and healthcare programs for family members is the absence of a copay. You’ll pay the veterinarian and submit the invoice to Trupanion for reimbursement.

Besides that, Trupanion does not cover wellness services such as veterinarian visits and immunizations.

Another distinction is that most pet insurance policies do not cover diseases discovered or diagnosed before the coverage begins. A pet insurance policy, such as the one offered by Trupanion, provides financial protection against substantial medical costs associated with illnesses and disorders that pets may incur.

Trupanion pays for 90% of covered medical conditions, which can save you a lot of money. You can also choose Recovery and Complementary Coverage to help pay for services like chiropractic and behavioral therapy.

Trupanion also covers up to two months’ worth of prescription food, as well as prescription medications and supplements for specified diseases.

While traveling, they cover your pet as long as you stay within the United States, Canada, Puerto Rico, US and Canadian territories, and US military bases.

Check Out: 13 Best Pet Insurance That Covers PreExisting Conditions in 2023

What Is The Coverage Like For Figo vs Trupanion?

Figo vs. Trupanion: Coverage

The first place to go when assessing any insurance is your coverage selections. Both Figo and Trupanion cover dogs and cats, but their options are presented in quite different ways.

Essential, Preferred, and Ultimate are the three plans offered by Figo. All the plans include a wide range of annual veterinary treatments, including emergency care, hospitalization, and diagnosis and treatment for chronic, hereditary, and congenital diseases, as well as cancer.

Any plan does not cover pre-existing conditions. Dental cleanings, operations not related to a covered disease or accident, breeding, and childbirth, and most parasites are also not covered by Figo. Lifetime maximums may apply besides annual limits, depending on your plan.

The annual coverage limit is the major distinction between the Figo plans. You can pick between annual deductibles ranging from $100 to $750 and reimbursements ranging from 70% to 100% when you sign up. Your monthly premium expenses will rise as your deductibles and reimbursement levels decrease.

Trupanion is a pet insurance company that is backed by American Pet Insurance Company and Omega General Insurance Company in the United States and Canada, respectively.

Preventative dental treatment and dental sickness are not covered. There is also a long list of other exclusions. There are restrictions on prescription dog food that a veterinarian has approved.

  • Both Figo and Trupanion allow you to purchase additional riders or coverage. 
  • Fees for Veterinary Exams for Accident and Illness Visits (Figo)
  • Recovery and Complementary Care with Trupanion

Trupanion is a service that assists pet owners.

Because both organizations provide substantial coverage for new illnesses, pricing is more likely to be the deciding factor.

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What Is The Enrollment Process Like For Figo vs Trupanion?

Both Figo and Trupanion offer a simple and rapid online enrolling process. You’ll enter information about your pet, sign-up and pay, and then wait for coverage to begin in both circumstances.

The Figo online registration process is lighthearted and enjoyable. It’s a simple process to manage and comprehend, and they clearly stated coverages and exclusions during the sign-up process.

Accidental accidents have a one-day waiting time, illnesses have a 14-day waiting period, and knee issues have a six-month waiting period once you start.

The web experience at Trupanion isn’t as current or welcoming, but all the information is available. Injuries have a five-day waiting time, whereas diseases have a 30-day waiting period.

Overall, both sign-up processes were transparent about charges and simple to use. However, the Figo sign-up experience was superior to the other.

See Also: 15 Best Pet Insurance in Michigan in 2023 | Full Step-by-Step Guide

Figo vs. Trupanion: Claim Filing

The good digital experience Figo provides begins with the sign-up procedure and continues through the membership and claims process.

You can use the Figo Pet Cloud to upload invoices and file claims from your computer, smartphone, or tablet. You can also file a claim by phone, fax, or email if you don’t want to file online for whatever reason.

In most circumstances, Figo tries to pay claims within seven to ten days, with a maximum processing time of 30 days when further paperwork is required.

They process approximately 60% of claims in less than 24 hours at Trupanion. That’s quite an accomplishment.

One significant advantage is that they do not always required you to pay and then be reimbursed. Trupanion collaborates with several veterinarians and pet hospitals to provide a direct line of communication.


Figo vs. Trupanion: Reviews

Trustpilot gives both Figo and Trupanion four stars, although other online review sites, such as Yelp, give them different scores. Here’s a snapshot of how customers evaluated these pet insurance businesses as of May 5th, 2021:

Figo or Trupanion could be a little higher depending on where you search. Except for a few critical reviews, neither had any major issues.

Recent concerns about Figo revolved around a bad claims experience and huge fee rises as their pets became older. Trupanion’s objections centered on claim denials and fee increases owing to pre-existing conditions.

Are You a Dog Lover, See the: 15 Best Dog Insurance California in 2023 | Best Experiences

How Much Does Trupanion Cost?

Trupanion pet insurance costs $18.87 per month for a $1,000 deductible and $62.22 per month for a $0 deductible for a cat (a one-year-old male domestic shorthair).

For a one-year-old female mixed-breed dog weighing 50 to 90 pounds, Trupanion dog insurance costs $38.93 per month with a $1,000 deductible and $155.34 per month with no deductible.

The cost of a policy is determined by the breed, your location, your deductible, and any pre-existing medical conditions you may have.

Trupanion insurance includes a lifetime per condition deductible, which means you only pay it if they diagnose your pet with a newly covered ailment after you’ve met the deductible for the first time.

There are no payout limits on pet insurance. For eligible veterinarian facilities, Trupanion features a vet direct pay option that automatically files your claim upon checkout at the vet, allowing you to pay your 10% amount (after meeting the deductible) and Trupanion to pay the vet directly.

How Much Does Figo Cost?

Figo claims their plans cost around $1.50 per day on average. A typical monthly premium for dog insurance is $22.15, while cat insurance costs an average of $23.40 per month (the only business we assessed where this is the case).

With a $5,000 annual benefit maximum, 90% reimbursement, and a $500 yearly deductible, these prices are for a one-year-old female mixed breed dog weighing 50 to 90 pounds and a one-year-old male domestic shorthair cat.

According to Figo, your monthly premium is determined by the age, breed, and location of your pet, as veterinary care might be more expensive in some towns and locations.

Your policy will cost somewhat more if you choose the optional exam fee coverage or the extra care package. You’ll enter this information throughout the online price estimation procedure to get a quote for your dog or cat’s pet insurance plan.

Your annual benefit ($5,000, $10,000, or limitless) and yearly deductible ($100, $250, $500, or $750) determine the cost of your plan.

This depends on where you live. Figo may charge a one time administration fee.

The company offers a 30-day money-back guarantee, which is a unique feature of Figo pet insurance prices. If you cancel during this time period without filing a claim, Figo will reimburse your subscription.

They base refunds on state rules if you cancel after 30 days and/or have filed a claim. Furthermore, residents of Pennsylvania are not eligible for the 30-day money-back guarantee. Administrative costs are non-refundable in most states, according to Figo.

What Is The Cost Of Figo vs Trupanion?

Figo vs. Trupanion: Costs

One of the most important factors to consider when purchasing insurance for your dog or cat is the cost. Compare the costs for your specific dog or cat to get a better idea of what you might pay.

With Figo, the essential plan pays up to $5,000 in benefits per year, the preferred plan pays up to $10,000, and the ultimate plan pays no benefits at all.

Breed, age, region, coverage options, and other factors can all influence your price.

When comparing as many similar dog insurance policies as workable, Figo came out on top on a monthly basis, with the same 90% reimbursement rate and $250 deductible.

Trupanion’s coverage is a little more comprehensive, which for some pet owners may be more important than pricing. Keep in mind, however, that the pricing trend for your pet may be different.

Who Regulates Pet Insurance?

Every state’s department of insurance is usually regulated by evertate’s departments petDoes Pet Insurance cover surgery

Medically necessary surgeries, including emergency surgeries and some prophylactic procedures, may be covered by pet insurance coverage.

They rarely cover elective or optional operations. And they may deny some surgeries if they relate them to a pre-existing condition.

Frequently Asked Questions (FAQs)

What exactly is a pet insurance?

Pet insurance is a sort of medical coverage that is frequently offered to pet owners, including dogs, cats, and other animals. After meeting annual deductibles, pet insurance pays for a large amount of covered accidents or illnesses for a monthly payment.

How does a pet insurance work?

Other pet insurance firms, such as Figo and Trupanion, work similarly. When you sign up, you select a plan that fits your budget and your pet’s requirements. You can take your pet to the vet or a pet hospital as needed after any necessary waiting periods.

Does the insurance usually have waiting periods?

There are waiting periods, pre-existing conditions are not covered, and there may be annual or lifetime limits on how much your insurer will pay for your pet’s coverage

Does Figo offer a standalone wellness plan

No. A standalone wellness plan that covers preventive visits, vaccinations, vitamins, and dental cleaning is not available through Figo pet insurance.

Does Trupanion offer a single wellness package?

No. Trupanion does not offer a single wellness package that includes preventive visits, immunizations, supplements, and dental cleaning.


Both Figo and Trupanion provide comprehensive coverage for your pet. The cost and the level of coverage you require should be your primary considerations when determining what’s best for your pet.

Trupanion offered more coverage alternatives, like as prescription pet food, but it was significantly more expensive than Figo for those advantages.

If you’re looking only at budget and want equivalent coverage, Figo is clearly the better choice. Trupanion is worth considering if you want more comprehensive coverage and are willing to pay more for it.


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