Figo vs. Pets Best: Which Is the Best for Your Pet? (2025)

With rising veterinary costs, unexpected vet bills can quickly drain your savings. Pet insurance could ease this burden if your dog or cat gets sick or injured.

Figo and Pets Best are two excellent pet insurance companies. Both offer accident and illness coverage, but each has its own unique strengths. Figo includes alternative therapies in every plan with 100% reimbursement options. Pets Best, on the other hand, offers accident-only coverage and direct vet pay.

When choosing pet insurance, it’s important to weigh rates, customer reviews, and coverage to find the right fit. Here’s what you should know about Figo and Pets Best so you can decide which company is best for your pet.

Figo vs. Pets Best: The verdict

Figo and Pets Best are both strong choices for covering pet healthcare costs. Pets Best is slightly ahead in customer satisfaction with more reviews, though it isn’t accredited with the Better Business Bureau (BBB) like Figo.

Pets Best only covers alternative treatments in its Elite tier, while Figo includes them in all plans. Figo also offers a 100% reimbursement option compared to Pets Best’s 90% cap. That said, Pets Best offers accident-only policies, while Figo doesn’t.

For pricing, Figo is generally cheaper for lower-tier plans, but Pets Best premiums are more affordable for higher-limit policies.

Both support mobile app claims, but Figo provides more app features. While Figo has shorter waiting periods, Pets Best offers direct vet pay.

Figo vs. Pets Best

Compare quotesCompare	Compare quotesCompare
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–100%	Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90%
Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited	Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750	Deductibles The amount you must pay towards a covered event before your coverage kicks in. $50–$1,000
Curable pre-existing conditions Pre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. Covered	Curable pre-existing conditions Pre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. Covered

Data in this table has been sourced from Insurify users who received a pet insurance quote from our partner Fletch.

Figo

Pets Best

How Figo and Pets Best compare

Here’s a look at how Figo and Pets Best compare with price, discounts, coverage, claim processing, and customer satisfaction.

Cost of pet insurance

Figo dog insurance costs $56 per month, on average, and cat insurance costs $25 per month.

Pets Best policies cost $22 per month for dogs and $13 per month for cats, on average.

When pulling sample quotes, we found that Figo is generally cheaper for lower- and mid-tier plans. For policies with unlimited 90% reimbursement, though, Pets Best is usually more affordable.

But the cost of pet insurance plans can vary, so it’s best to request your own quote for comparison. Premiums can change depending on factors such as:^[1]

• Location

• Your pet’s age

• Breed

• Deductibles

• Annual limits

• Reimbursement rates

Both Figo and Pets Best offer a 5% discount for military members and multi-pet insurance policies. You could receive a $25 Amazon gift card for signing up with Figo or a 10% discount when enrolling with Pets Best through a participating veterinary clinic.

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Coverages and plan features

Figo and Pets Best both offer accident and illness plans with optional add-ons for preventative care insurance. Pets Best also has an accident-only plan.^{[2] [3]}

Standard accident and illness pet insurance policies include coverage for the following:

• Cancer

• Chronic conditions

• Dental illness and injury

• Diagnostics

• Emergency veterinary care

• Hereditary and congenital disorders

• Hospitalization

• Prescription medications

• Surgery

The biggest difference between Figo and Pets Best is how they structure their pet insurance policies.

With Pets Best, you can customize your annual limit, deductible, and reimbursement rate up to 90%. Then, you have a choice of three tiers: Essential (basics), Plus (adds exam fees), or Elite (includes rehab and alternative therapies). You can also add a wellness plan for routine care to cover vaccinations, blood work, and heartworm prevention.

Figo also allows plan customization, but it offers a 100% reimbursement option with $500 and $750 deductibles. Unlike Pets Best, all Figo plans cover rehab and alternative treatments — including chiropathy and acupuncture. Optional wellness plans for routine care are also available as add-ons.

Feature	Figo	Pets Best
Mobile app	Yes	Yes
Mobile claims submission	Yes	Yes
Direct vet pay	No	Yes
24/7 pet helpline	Yes	Yes
Online policy management	Yes	Yes
Live customer support options	Yes	Yes

Policy exclusions

When comparing Figo and Pets Best coverage options, it’s important to review the exclusions listed in the policy documents. That way, you can avoid surprise bills and plan for any out-of-pocket costs.

Figo and Pets Best have similar exclusions, which makes this comparison simple. Generally, their pet insurance policies don’t include coverage for the following:

• Breeding, pregnancy, and birth

• Elective procedures

• Experimental treatments

• Parasites (unless included in wellness coverage)

• Pre-existing conditions

Neither insurance company has an upper age limit for enrolling your pet, so you can purchase insurance for older dogs or cats.

Claims process

Figo provides a few ways to submit claims, including by phone, fax, email, and mobile app. The mobile app, Pet Cloud, may be the quickest avenue, with claims processing usually taking less than three business days. Figo can either mail you a check or deposit the reimbursement into your bank account — but it won’t pay the vet directly.

Pets Best, on the other hand, does offer direct vet payments. It can also send your reimbursement to your bank account or CareCredit card. The company doesn’t specify how long it takes to process claims, but you could receive reimbursement three to seven business days after approval, depending on the reimbursement method you choose.

Watch out for any waiting periods after your coverage becomes effective, though. Figo has a one-day waiting period for accidents, 14 days for illnesses, and six months for orthopedic conditions. Pets Best’s waiting periods are a little longer, with 14 days for illness and three days for accidents.

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Customer reviews

Overall, Figo and Pets Best have mostly positive feedback, with Pets Best slightly ahead in ratings. On Trustpilot, Figo has 3.7 stars from more than 2,100 reviews, while Pets Best has 4.0 stars from roughly 5,500 reviews.

Pet owners praise both insurance companies for their excellent communication, friendly customer service, and timely claims payments. Users also rate their mobile apps highly — although Pets Best scores higher than Figo on the Google Play Store with more reviews.

But not everyone has had the best experience with Figo and Pets Best. Some customers report slow claims processing, rising rates at renewal, or denials they felt were unfair.

In general, though, the majority of reviews suggest both insurers are dependable choices.

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