Figo vs Trupanion Pet Insurance
With Figo vs Trupanion, you choose between flexible yearly coverage and one plan that pays participating vets in about 5 minutes and handles payment directly.
Plan terms for Figo and Trupanion
| Term |  |  |
|---|---|---|
| Pets covered | Dogs and Cats | Dogs and Cats |
| Plan types | Accident and illness, Accident only, Wellness add-on | Accident and illness |
| Underwriter | Independence American Insurance Company | American Pet Insurance Company |
| Plans offered through | Figo Pet Insurance, LLC (Chicago, Illinois) | not published |
| Deductible options | Options depend on pet age, from $100 to $1,500 (annual) | $0 to $1,000, per condition |
| Deductible type | Annual | Per condition (lifetime) |
| Reimbursement options | 70%, 80%, 90%, or 100% | 90% |
| Yearly limit choices | not published | Unlimited |
| Wait before accident cover | 1 day | 5 days |
| Illness waiting period | 14 days | 30 days |
| Youngest age to enroll | 8 weeks | From birth |
| Oldest age to enroll | No upper age limit | Before age 14 |
| Exam fee cover | Add-on | No |
| Pre-existing conditions | Not covered: symptoms that show up before the policy starts or during a waiting period; your pet can still enroll with those conditions excluded, and curable ones may be covered | Not covered. Exclusions apply only to problems the pet had before coverage. Any condition that develops during a waiting period counts as pre-existing. |
| Cured pre-existing conditions | Yes, coverage may be available for curable pre-existing conditions after 12 months with no symptoms and no treatment. | not published |
| Hereditary and congenital conditions | Covered | Covered |
| Dental illness | Covered | Covered |
| Behavioral conditions | not published | Add-on |
| Alternative therapy | Covered | Add-on |
| Wellness add-on | Covered | No |
| Multi-pet discount | 5% when 2 or more pets are enrolled | false |
| Pays the vet directly | No | Covered |
| Claim payment speed | About 3 working days is the average time needed to close most claims. | Payment goes straight to the vet within about five minutes of the invoice, sometimes within seconds. |
| Claims app | File claims through the mobile app (Pet Cloud app) and follow status in real time, or upload claims online instead | Payment goes through VetDirect Pay at participating vets; otherwise a check arrives by mail or funds come by direct deposit |
| Where it is sold | All 50 states | Sold in all 50 states, plus Washington, D.C. and Puerto Rico (in some states, certain people may not have access to every product or discount) |
| Free-look period | You have 30 days for a full premium refund if you file no claims (varies by state) | Full refund within 30 days when no claim has been paid; not offered in New York |
Sources: Figo Pet Insurance Review and Pricing (2026), Figo: Plans for cats and dogs with premium health insurance, Resource Materials - Top Investor Questions | Trupanion, Inc., When does my coverage start? | Trupanion Pet Medical Insurance
Figo works well for owners who want a customizable policy, wellness care added, or a 5% discount when 2 or more pets are enrolled.
Trupanion fits owners who want no payout limits and the clinic paid at checkout rather than paying upfront.
Figo vs Trupanion at a glance
With Figo, owners of dogs and cats can choose an accident-and-illness or accident-only option, and add wellness and exam fee add-ons. Trupanion offers one plan for dogs and cats: accident-and-illness coverage. You can also add behavioral and alternative therapy. The share of a covered bill that the insurer pays back is called reimbursement; you can adjust it with Figo, but not with Trupanion. A plan's annual limit is the highest amount it pays in one year; Trupanion has no cap at all.
Prices and deductibles
Trupanion's investor Q&A gives sample monthly prices. One is $20 each month for a domestic short-haired cat living in Boise, Idaho. Another example shows $200 each month for an English Bulldog living in Manhattan, New York.
Before insurance starts sharing the bill, you pay the deductible amount out of pocket. With Figo, the annual deductible from $100 to $1,500 is paid once a year, and pet age affects which options you can pick. Trupanion's deductible is lifetime and per-condition, from $0 to $1,000, and you pay it once for every separate illness or injury.
After the deductible, covered costs are reimbursed by Figo at 70%, 80%, 90%, or 100%. Pay the vet first, then file claims through the Pet Cloud app (or online); most claims finish in about 3 working days. Trupanion pays 90% every time with no payout limit, sent straight to participating vets through VetDirect Pay, or paid by check or direct deposit.
How long you wait and which ages qualify
The waiting period is the number of days between your enrollment and the day coverage starts. Under Figo, accidents have a 1-day waiting period, while illnesses need 14 days and orthopedic conditions need 6 months. Trupanion's waiting times are 5 days for accidents, plus 30 days for illnesses. Problems that show signs before coverage begins, or during the waiting period, aren't covered by either plan. However, Figo may cover curable conditions that stay free of symptoms and treatment for 12 months.
Age rules differ too. Figo enrolls pets starting at 8 weeks old, and it sets no upper age limit. Starting at birth (0 to 7 weeks old), Trupanion enrolls pets, and pets may join before their 14th birthday with lifetime coverage.
Which plan fits your pet
When the fine print is checked, both cover hereditary conditions along with dental illnesses across the 50 states. Trupanion also operates in Canada, Washington, D.C., and Puerto Rico. With no claims, you can cancel within 30 days and receive a full refund from either plan (Trupanion excludes New York).
- For an older senior pet, Figo fits because there is no upper age limit, while Trupanion stops taking new enrollments from older pets.
- A newborn puppy or kitten suits Trupanion, because enrollment starts right from birth.
- When you care about routine care or exam fees, Figo sells add-ons for wellness and exam fees. Trupanion does not cover exam fees, routine care, or dental cleanings.
- You want alternative therapy covered: Figo includes alternative therapy in the base plan, but Trupanion needs a separate add-on.
- If underwriter backing matters to you, note that Independence American Insurance Company underwrites Figo, which is administered by Figo Pet Insurance, LLC in Chicago, Illinois. Trupanion is underwritten by American Pet Insurance Company.
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