Figo vs Pets Best Pet Insurance


  • Pets Best offers two basic plans, while Figo offers three.
  • Both companies offer a variety of optional add-ons, providing you with fairly customizable coverage.
  • Pets Best allows you the option to pay the vet directly, while Figo does not.
  • Figo’s policies provide you with access to their exclusive Pet Cloud, while Pets Best doesn’t offer anything comparable.
  • The two companies offer fairly similar premiums, although Pets Best tends to be slightly more expensive.

Both Pets Best and Figo offer comprehensive and customizable coverage, reasonable premiums, and smooth claims processes. Their major differences lie in their pricing, the extra bonuses offered by Figo, and the limitations in paying the vet directly.

Pets Best vs. Figo

Before deciding between Pets Best and Figo, compare their main differences:

Pets Best
Deductible Options$50, $100, $200, $500, and $1,000Between $100 and $1,500
Reimbursement Options70%, 80%, and 90%70%, 80%, 90%, or 100%
Wellness Add Ons?YesYes
Customizable Coverage?Semi-CustomizableSemi-Customizable
Waiting Periods3 days for accidents, 14 days for illnesses, 6 months for cruciate ligament events1 day for accidents, 14 days for illnesses, 1 year for cruciate ligament events
Average Customer Review1.5 to 4.2 out of 51.1 to 3.6 out of 5
Average Reimbursement Timeframe2 days2.6 working days
Accepted By Every Vet?YesYes
Pays the Vet Directly?YesNo

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Coverage Comparison

Pets Best offers two standard policies — the BestBenefit Accident and Illness plan and the Accident Only plan. The former offers the most comprehensive coverage, covering:

  • Accidents (eg. foreign object ingestion, broken bones, etc.)
  • Illnesses (eg. ear infections, cancer, arthritis, etc.)
  • Congenital and hereditary conditions (eg. elbow dysplasia, glaucoma, etc.)
  • Emergency care
  • Hospitalization and surgery
  • Diagnostic testing (eg. bloodwork, MRIs, CAT scans)
  • Prescription medications
  • Chronic conditions
  • Dental issues
  • Prosthetic devices
  • Physical rehabilitation
  • Exam fees
  • Acupuncture and chiropractic care

The Accident Only plan covers only expenses related to accidents and emergencies, such as broken bones, poison ingestion, and allergic reactions.

Figo, on the other hand, offers three standard plans — the Essential Plan, the Preferred Plan, and the Unlimited Plan. All three cover standard expenses, such as:

  • Common illnesses
  • Accidents
  • Emergency care
  • Hospitalization
  • Diagnostic testing
  • Hereditary conditions
  • Chronic conditions
  • Cancer treatment
Pets Best (BestBenefit Accident and Illness Plan)Figo (Standard Plans)
Emergency Care
Diagnostic Testing
Hereditary Conditions
Chronic Conditions
Hip Dysplasia
Prescription Pet FoodXX
Prescription SupplementsXX
Pre-Existing ConditionsXX
Cosmetic SurgeryXX
Alternative TreatmentsXX

Wellness Coverage

Pets Best offers two routine care coverage options — the EssentialWellness plan and the BestWellness plan. Both plans will reimburse you for:

  • Vaccines
  • Wellness exams
  • Microchipping
  • Deworming
  • Rabies
  • Heartworm medications
  • Bloodwork (up to $50/year on the EssentialWellness plan, and up to $70/year on the BestWellness plan)

The BestWellness plan also provides reimbursement for spaying/neutering fees and teeth cleanings, while the EssentialWellness plan does not.

Figo offers three optional wellness add-ons, called  “Powerups,” each with different coverage:

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

Age Restrictions

In some cases, pet insurance companies will exclude pets below or above a certain age from coverage. With Pets Best, you can insure pets over seven weeks, and with Figo, you can insure pets over eight weeks. There are no upper age limits for either company.


Both Pets Best and Figo offer fairly customizable coverage given the number of plans and optional add-ons. With both insurance companies, you’ll have several deductibles, reimbursement levels, and plans to choose from.

Cost Comparison

With both Pets Best and Figo, your premium will depend on the plan, add-ons, and coverage you choose. Here are the options you’ll have:

Deductible OptionsReimbursement LevelsAnnual Maximums
Pets Best$50, $100, $200, $500, or $1,00070%, 80%, or 90%No limit, or $5,000 limit (for a lower premium)
FigoBetween $100 and $1,50070%, 80%, 90%, or 100%Essential Plan: $5,000
Preferred Plan: $10,000
Unlimited Plan: No limit

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

Pets Best BestWellness Accident and Illness Plan, with no annual limit, 80% reimbursement rate, and $200 deductibleFigo Preferred Plan, with a $10,000 annual limit, 80% reimbursement rate, and $200 deductible
8-week-old Labrador Retriever$65.00$47.41
8-week-old German Shepherd$58.00$45.38
5-year-old French Bulldog$144.00$84.57
5-year-old Poodle$44.00$34.84
Senior Golden Retriever$157.00$91.85
Senior Exotic Shorthair Cat$106.00$53.56

Both Pets Best and Figo offer a 5% multi-pet discount. So, if you plan to insure multiple pets, you’ll score a bit of a discount regardless of which company you choose.

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

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Enrollment, Waiting Periods, and Submitting Claims

Purchasing a policy with either insurance company is simple — simply get a free quote on their website and follow the prompts through the onboarding process.

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

Pets BestFigo
Injuries3 days1 day
Illnesses14 days14 days
Cruciate Ligament Events6 months1 year

Both Pets Best and Figo have simple claims processes, which are:

  • Pets Best: Log into your Pets Best customer account through the online portal. Then, click the appropriate buttons to submit a claim or request to have insurance pay the vet directly. You can also submit a claim through email, fax, or standard mail.
  • 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.

After submitting a claim, you’ll need to wait for reimbursement. If you enroll in direct deposit with Pets Best, it’ll take around 2 days to see the funds hit your account. With Figo, they estimate that the process takes around 2.6 days.

Customer Reviews

Before purchasing a pet insurance policy, always read customer reviews from several sites to get a feel for customers’ authentic experiences with the company. Here’s how Pets Best and Figo are rated across popular review websites:

Pets BestFigo
Better Business Bureau2.95/51.11/5

Remember that customers are more likely to report very positive and very negative experiences, not average ones. So, these reviews might be inflated one way or the other.

Additional Differences to Consider

Oftentimes, pet insurance companies will add in extra bonuses to add value to their offerings. For example, Figo offers all policyholders access to their Pet Cloud, which gives you:

  • 24/7 access to a vet
  • An online community of pet parents local to you
  • A place to store your pet’s medical records digitally
  • Reminders for when “important pet stuff” is due
  • A virtual claims assistant to guide you through the claims process
  • A custom Pet Tag to track your pet’s location, allowing you to find them via the Pet Cloud if they’re ever lost or stolen

Pets Best doesn’t offer this benefit or anything comparable. However, Pets Best does offer the option to pay your vet directly, which Figo does not.

Bottom Line: Which is Better?

Both Pets Best and Figo offer comprehensive coverage and similar features. In our estimates above, Pets Best is a bit more expensive, although the difference in cost isn’t drastic. So, ultimately, the plan that’s best for you comes down to which one you prefer for your furry friend.

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.