Figo vs Pets Best Pet Insurance
Two things set Figo vs Pets Best apart: claims closing on average in about 3 working days, versus having your vet paid directly.
Plan terms for Figo and Pets Best
| Term |  |  |
|---|---|---|
| Pets covered | Dogs and Cats | Dogs and Cats |
| Plan types | Accident and illness, Accident only, Wellness add-on | Accident and illness, Accident only, Wellness add-on |
| Underwriter | Independence American Insurance Company | Independence American Insurance Company, MS Transverse Insurance Company, American Pet Insurance Company, or Independence Pet Insurance Company |
| Plans offered through | Figo Pet Insurance, LLC (Chicago, Illinois) | Pets Best Insurance Services, LLC |
| Deductible options | Ranges from $100 to $1,500 (annual), and the options depend on pet age | $100 to $1,000 |
| Deductible type | Annual | not published |
| Reimbursement options | 70%, 80%, 90%, or 100% | 70%, 80%, or 90% |
| Yearly limit choices | not published | $5,000 or unlimited |
| Wait before accident cover | 1 day | 3 days |
| Illness waiting period | 14 days | 14 days |
| Youngest age to enroll | 8 weeks | 7 weeks |
| Oldest age to enroll | No upper age limit | No upper age limit |
| Exam fee cover | Add-on | Covered |
| Pre-existing conditions | Not covered: any symptoms present before the policy start or during the waiting period. Enrollment remains possible with those conditions excluded, and curable ones may be covered. | Not covered |
| Cured pre-existing conditions | After 12 months with no symptoms and no treatment, coverage may extend to curable pre-existing conditions. | Some conditions, including a broken bone, a bruise, or kennel cough, may be covered after healing or a cure, once 12 to 18 months have passed. |
| Hereditary and congenital conditions | Covered | Covered |
| Dental illness | Covered | Limited |
| Behavioral conditions | not published | Limited |
| Alternative therapy | Covered | Add-on |
| Wellness add-on | Covered | Covered |
| Multi-pet discount | 5% when 2 or more pets are enrolled | 5% |
| Pays the vet directly | No | Covered |
| Claim payment speed | On average, most claims take about 3 working days to close | not published |
| Claims app | The Pet Cloud app lets you file claims and view real-time status; you can also upload claims online. | Pets Best offers an app for Android and iOS, plus an online Customer Account |
| Where it is sold | All 50 states | All 50 states and Washington, D.C. |
| Free-look period | 30 days, with a full premium refund if no claims are filed (varies by state) | 30 days, full refund if no claims paid |
Sources: Frequently Asked Questions, What Are Waiting Periods | Pets Best, Figo: Premium health insurance plans for dogs and cats, Figo Pet Insurance Review and Pricing (2026).
If you want dental illness and alternative therapy in the standard plan, Figo fits owners in all 50 states.
For owners who want vet exam fees covered with no add-on, Pets Best works across the states and Washington, D.C.
Figo vs Pets Best at a glance
Accident-and-illness plans and accident-only plans from both insurers cover dogs and cats; optional wellness add-ons also cover routine care. After you pay your share, the insurer pays back a percentage of the covered vet bill. That percentage is called reimbursement. With Figo, you pay the vet upfront and can get up to 100% reimbursement; Pets Best is able to pay your vet directly. The annual limit is the most a policy pays out in a year, and Pets Best offers both a capped and an unlimited choice.
Prices and deductibles
A deductible is what you pay yourself for covered care before the insurer begins paying. Figo offers deductibles of $100 to $1,500 each year, and your pet's age decides which options appear. Pets Best's deductible range is narrower, at amounts from $100 to $1,000.
Comparing payout rates, you can pick 70%, 80%, or 90% reimbursement at either company, but only Figo includes the full-reimbursement tier. Pets Best's annual limits include $5,000, $10,000, or unlimited coverage for you to select. No specific annual limit amounts are published for Figo.
Pets Best's published price example averaged $37.68 monthly for a dog and $23.23 monthly for a cat. The example combined a $500 deductible with the upper reimbursement and limit tiers on Essential accident-and-illness coverage. Neutered dogs and cats aged 1 year and 6 years were covered, the dogs being medium mixed-breed and the cats domestic shorthair. No published price examples are available for Figo, though each insurer offers a 5% discount for enrolling 2 or more pets.
How waiting periods and age limits work
A waiting period is the number of days after you buy a policy that pass before coverage begins for new health problems. Accident coverage starts after 1 day at Figo, and after 3 days at Pets Best. Illnesses have a 14 day wait at both insurers, and orthopedic conditions have a 6 month wait. In most states, Pets Best applies that same orthopedic wait to cruciate ligament conditions.
Pets Best accepts puppies and kittens from 7 weeks. Figo starts at 8 weeks. Senior pets face no upper age limit from either company.
Neither insurer covers symptoms that show up before coverage starts or during a waiting period. Still, curable conditions may be covered by Figo after 12 months with no symptoms or treatment. Once cured, Pets Best can cover healed conditions such as broken bones, bruises, or kennel cough (for 12 to 18 months).
Which choice suits your pet
Your choice between these plans comes down to which treatments your pet might need and how you want to pay the vet:
- Direct payment to your vet matters to you: Pets Best can pay vets directly, but Figo expects payment up front and reimbursement later.
- Vet exam fees are a priority: the base plan from Pets Best covers them, while Figo requires an extra add-on.
- For dental and alternative care, Figo includes dental illness and alternative therapy. With Pets Best, dental care is limited, and alternative therapy needs an add-on.
- Pets Best offers limited behavioral care, which is helpful, though behavioral training, grooming, prescription foods, supplements, and pregnancy are excluded.
- If live claim tracking appeals to you, Figo's Pet Cloud app shows real-time status; Pets Best apps for Android and iOS are standard.
Each insurer covers hereditary and congenital conditions. Without a wellness plan, though, neither covers routine spaying or neutering. You can cancel within 30 days for a full refund, provided there are no filed claims at Figo and no paid claims at Pets Best. Figo Pet Insurance, LLC, based in Chicago, Illinois, administers Figo plans. Independence American Insurance Company underwrites them. With Pets Best, Pets Best Insurance Services, LLC handles the administration. Policies are underwritten by Independence American Insurance Company, MS Transverse Insurance Company, American Pet Insurance Company, or Independence Pet Insurance Company.
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