Key Differences
Figo has slightly shorter waiting periods.
Fetch’s window to file a claim is 90 days after treatment, and Figo’s is 180 days after treatment.
Some Figo plans have the option to choose a 100% reimbursement rate.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Fetch and Figo offer.
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Price: |
Get a Quote | Get a Quote |
Overall Rating: |
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Total Reviews: |
27,254 |
11,135 |
Deductible: |
$300, $500, $700 |
$100, $250, $500, or $750 |
Reimbursement: |
70%, 80%, or 90% |
70%, 80%, 90%, or 100%** |
Annual Limit: |
$5,000 to Unlimited |
$5,000, $10,000, or Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
0 days |
1 day* |
Illness Waiting Period: |
Up to 15 days |
14 days |
Wellness Waiting Period: |
0 days |
0 days |
Orthopedic Waiting Period: |
6 months* |
6 months |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Optional |
Dental Coverage: |
Included |
Limited Coverage |
Exam Fee Coverage: |
Yes |
Additional Cost |
Direct Vet Pay: |
No |
No |
Claims Expiration: |
Within 90 days of treatment |
Within 180 days of treatment |
Claims Submission App: |
Yes |
Yes |
Fetch Accident and Illness Coverage
Fetch offers accident and illness coverage for dogs and cats. You can customize this configuration to fit your needs and budget.
Deductible Options
$300, $500, $700
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
Fetch offers a wide variety of annual coverage and deductible choices. They give customers additional flexibility by offering a one-on-one call to their customer care team to provide the best options, including a range of $5,000 to unlimited annual coverage.
What's Covered
Accidents
Acupuncture, Chiropractic Care, and Physical Therapy
Aggression and Separation Anxiety
Allergies
Breed-Specific Issues
Cancer Coverage
Congenital Conditions
Dental Illnesses
Diabetes and Insulin
Emergency Vet Visits and Hospital Stays
Hereditary Conditions
Illnesses
Online, In-Home, and Office Vet Visits
Prescription Medications and Supplements
Sick-Visit Exam Fees
Specialists
Surgery
X-rays, CT scans, Ultrasounds, Blood and Lab Tests
Optional Fetch Wellness Add-On
Fetch also offers an optional routine care add-on for its main insurance product. You can choose from three levels of wellness coverage: Essentials, Advantage, and Prime. Each level has varying allowances and caps for covered items.
Essentials
Has an annual coverage amount of $315 and includes:
Annual exam
Canine Bordetella / Feline FELV vaccines
Canine DHLPP / Feline FVRCP vaccines
Canine Rabies / Feline Rabies vaccines
Canine Lyme / Feline FIP vaccines
Heartworm, flea, and tick prevention
Heartworm tests
Dental cleaning
Spaying or neutering
Blood test
Urinalysis
Fecal test
Advantage
Has an annual coverage amount of $520. Includes everything that is covered in Essentials, plus:
Microchipping
Anal gland expression
Prime
Has an annual coverage amount of $735. Includes everything that is covered in Advantage, plus:
Behavioral exam
Health certificate
Activity monitor
Figo Accident and Illness Coverage
Figo offers three different plans with varying levels of coverage: Popular, Higher Coverage, and Value Plus. With Figo, you also have the option to configure your annual coverage, reimbursement percentage, and deductible to create a custom plan that fits your needs and budget.
Deductible Options
$100, $250, $500, or $750
Reimbursement Options
70%, 80%, 90%, 100%*
Annual Limit Options
$5,000, $10,000, or Unlimited Annual Limit
What's Covered
Here's what is covered in each plan Figo offers.
Popular
This plan covers 80% of approved medical costs of up to $10,000 a year after you meet a $250 deductible.
Accidents
Cancer Coverage
Chronic Conditions
Dental Care (Non-Routine)
Diagnostic Tests and Imaging
Emergency Care
Euthanasia
Hereditary Conditions
Holistic and Alternative Treatments
Illnesses
Orthopedic Conditions
Prescription Medications
Rehabilitation and Mobility Devices
Surgery
Higher Coverage
Everything listed in the Popular plan is covered. The difference is that the Higher Coverage plan covers 90% of approved medical costs with no annual coverage limit after you meet a $500 deductible.
Value Plus
Everything listed in the Popular plan is covered. The difference is that the Value Plus plan covers 70% of approved medical costs of up to $10,000 a year after you meet a $500 deductible.
Custom
Everything listed in the Popular is covered. The difference is that with a custom plan, you can configure your annual coverage limit, reimbursement, and deductible to fit your budget.
Optional Add-Ons
Figo does not cover vet exam fees for accidents and illnesses, including telehealth consultations unless you add it to a main insurance plan. Additionally, routine care is not covered in the main insurance plans but can be added on.
Vet Exam Fees
This add-on enables reimbursement for exam and consultation fees related to accidents and illnesses.
Wellness Coverage
This add-on covers you up to the annual limit that Figo will reimburse you per year on each eligible expense.
Wellness Exams - $40 annual limit
Vaccines -$50 annual limit
Flea, Tick, and Heartworm
Heartworm Preventative
Rabies
DHLP (Distemper, Hepatitis, Leptospirosis, Parainfluenza)
Parvovirus/Corona
Bordetella
Lyme
Canine Influenza
FVRCP (Feline Viral Rhinotracheitis, Calicivirus, Panleukopenia)
Leukemia
FIP (Feline Infectious Peritonitis)
Other Vaccines as approved for general use by AVMA (American Veterinary Medical Association), or equivalent industry regulating entity
Spay/Neuter or Teeth Cleaning - $75 annual limit
Tests - $45 annual limit
Blood Panel
Heartworm Test
Fecal Test
Urinalysis Test
FeLV Test (Feline Leukemia Virus)
Microchip / Health Certificate - $30 annual limit
Deworming - $10 annual limit
* 100% reimbursement is available with deductibles of $500 and $750 but is not available with an unlimited annual limit.
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for Fetch and Figo.
Fetch Claims Details
Fetch Pet Insurance has an app you can use to submit your claims directly. Alternatively, you can also mail or email your claim form with invoice(s) within 90 days of treatment.
Direct deposit option for receiving reimbursements
Convenient claim submission with the Fetch Pet Insurance app
Approved claims are paid back in as little as two days
Figo Claims Details
Figo Pet Insurance has an app you can use to submit your claims directly. Alternatively, you can fax, mail, or email your claim form with invoice(s) within 180 days of treatment.
Direct deposit option for receiving reimbursements
Convenient claim submission with Figo Pet Cloud
Most claims are processed within 3 business days
Our Fetch vs. Figo Review
Fetch and Figo offer comprehensive coverage for accidents, illnesses, and various health issues like cancer and breed-specific conditions. Both insurers also offer optional wellness coverage add-ons to their base plans. You can configure plans based on your pet's needs and budget with Fetch and Figo. There are some differences in customization to note, like the deductible and annual limit options. Overall, both insurers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
