Figo vs. Healthy Paws Pet Insurance

Both Figo and Healthy Paws offer similarly priced pet insurance plans. However, Figo offers greater customization, while Healthy Paws offers the option to pay the vet directly.

Before choosing between Figo and Healthy Paws, consider a few of their primary differences:

FigoHealthy Paws
Deductible OptionsBetween $100 and $1,500Between $100 and $1,000
Reimbursement Options70%, 80%, 90%, or 100%50%, 60%, 70%, 80%, or 90%
Wellness Add Ons?YesNo
Customizable Coverage?Semi-CustomizableNo
Waiting Periods1 day for accidents, 14 days for illnesses, 1 year for cruciate ligament events15 days, starting at 12:01 AM the day after you enroll
6 month waiting period for hip dysplasia for pets enrolled under the age of 6
Average Customer Review1.1 to 3.6 out of 52.71 to 4.4 out of 5
Average Reimbursement Timeframe2.6 working daysWithin 10 days
Accepted By Every Vet?YesYes
Pays the Vet Directly?NoYes (optional)

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Coverage Comparison

Figo offers three standard plans — the Essential Plan, the Preferred Plan, and the Unlimited Plan. Each covers expenses related to:

  • Common illnesses
  • Accidents
  • Emergency care
  • Hospitalization
  • Diagnostic testing
  • Hereditary conditions
  • Chronic conditions
  • Cancer treatment

Healthy Paws, however, only offers one standard plan intended to cover accidents and illnesses. This plan covers expenses like:

  • Surgery
  • Prescription medication
  • Hospitalization
  • Dental care (related to a traumatic incident)
  • Hereditary conditions
  • Diagnostic testing (eg. x-rays and blood tests)
  • Euthanasia (if medically necessary for a covered condition)
Figo (Standard Plans)Healthy Paws (Standard Plan Only)
Emergency Care
Diagnostic Testing
Hereditary Conditions
Chronic Conditions
Hip Dysplasia
Prescription Pet FoodXX
Prescription SupplementsXX
Pre-Existing ConditionsXX
Cosmetic SurgeryXX
Alternative TreatmentsXX

Wellness Coverage

Figo offers three optional add-ons, which they call “Powerups,” each covering different wellness-related expenses:

  • Wellness: Coverage for preventative care such as vaccines, exams, dental care, and the cost to spay or neuter your pet
  • Extra Care Pack: Coverage for costs related to cremation and burial, lost pet advertising and awards, pet theft or loss, boarding fees, and more
  • Veterinary Exam Fees: Coverage for exam fees not covered by your standard plan

Healthy Paws, on the other hand, does not offer wellness add-ons.

Age Restrictions

Pet insurance companies may exclude pets above or below a certain age from coverage, given the influx of expenses typically required while pets are especially old or young. With Figo, you cannot insure a pet under eight weeks old, however, there is no upper age limit. With Healthy Paws, there is no lower age limit, but they do have an upper age limit of fourteen.


Figo offers greater customization and flexibility given the number of standard plans and optional add-ons they offer. Healthy Paws, on the other hand, offers little customization due to their limited options.

Cost Comparison

Plans with both companies come with a deductible, reimbursement level, and annual maximum that impacts the premium you’ll pay. Here are the options you’ll have:

Deductible OptionsReimbursement LevelsAnnual Maximums
FigoBetween $100 and $1,50070%, 80%, 90%, or 100%Essential Plan: $5,000
Preferred Plan: $10,000
Unlimited Plan: No limit
Healthy PawsBetween $100 and $1,00050%, 60%, 70%, 80%, or 90%No limits

Here’s how rates for a male pet in Dallas, Texas would stack up against each other.

Figo Preferred Plan, with a $10,000 annual limit, 80% reimbursement rate, and $200 deductibleHealthy Paws Standard Plan, with no annual limit, a 70-80% reimbursement rate, and a $250-$1,000 deductible
8-week-old Labrador Retriever$47.41$50.69
8-week-old German Shepherd$45.38$50.69
5-year-old French Bulldog$84.57$88.80
5-year-old Poodle$34.84$60.71
Senior Golden Retriever$91.85$78.39
Senior Exotic Shorthair Cat$53.56$84.44

In most cases, the two plans have fairly comparable premiums. That said, if you plan to insure multiple pets, you may find Figo more cost-effective because of their 5% multi-pet discount. Healthy Paws does not offer a similar discount.

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Enrollment, Waiting Periods, and Submitting Claims

Purchasing a policy with either insurance company is quick and easy — get a free quote on their website and follow the prompts of the onboarding process.

Once enrolled, you’ll be subject to specific waiting periods, which are as follows:

FigoHealthy Paws
Injuries1 day15 days
Illnesses14 days15 days
Cruciate Ligament Events1 yearN/A

If you purchase a Healthy Paws plan for a pet under the age of six, you’ll also be subject to a 12 month waiting period for hip dysplasia.

Both Figo and Healthy Paws have similar claims processes, which are:

  • Figo: Log into Figo’s Pet Cloud and select the Claims icon. Then, follow the prompts to complete the form, and upload the receipt from your vet visit.
  • Healthy Paws: Log into the Healthy Paws Mobile App or their online Customer Center. Then, follow the prompts to complete the claims form. You may also send the bill via mail, email, or fax if you’d prefer to do so.

After submitting a claim, you’ll need to wait for reimbursement. Figo estimates that reimbursement takes around 2.6 days, on average. Healthy Paws takes around 10 days, on average, but if you opt to have the vet paid directly, you won’t need to wait for reimbursement.

Customer Reviews

Before purchasing a pet insurance policy, always read customer reviews for an authentic perspective. Here’s how Figo and Healthy Paws stack up against each other based on popular review websites:

FigoHealthy Paws
Better Business Bureau1.11/52.71/5

In general, Healthy Paws receives more positive reviews. That said, keep in mind that reviews are often left after extremely positive or negative experiences — average experiences are hardly reported. So, online reviews may be inflated one way or the other.

Bottom Line: Which is Better?

While Figo offers more customizable coverage, Healthy Paws offers the option to pay the vet directly. However, they’re fairly comparable in price. Which insurance company is better will ultimately depend on which gives you more value based on your preferences.

Unlimited claims, No credit checks, No upper age limit & Multiple pet discounts

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Grace Lemire

Grace is a lover of pups and personal finance. She’s passionate about helping people navigate the financial side of life decisions — from budgeting for a furry friend to making decisions about pet insurance.