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FIGO vs. PetFirst Pet Insurance

FIGO PET INSURANCE, LLC* (FIGO) and PetFirst are two of the most respected pet health insurance plans in America. Here is a simple side-by-side comparison chart to help you decide which plan is the best option for your pet.


Figo Pet Insurance

PetFirst Pet Insurance
Average Price

$20 - 35/mo.


$33 - 61/mo.


A.M. Best Rating NA A+
BBB Rating A+ A+
Customer Satisfaction 89% NA
Total Reviews 312 reviews NA
Deductible $50 - 500
$50 - 500
Reimbursement 70 - 100% 70 - 90%
Annual Limit $10k - Unlimited
$1k - 10k
Profile Page
Figo Overview PetFirst Overview
Waiting Period for Accidents 5 days 14 days
Waiting Period for Illnesses 14 days 14 days
Waiting Period for Orthopedic Coverage 6 mos. for knees
12 mos. for cruciate ligaments
Emergency Care
Cancer Coverage
Orthopedic Issues
Hereditary Conditions
Chronic Conditions
Prescription Meds
Dental - Accidents
Cancer Coverage
Wellness Coverage
X Optional
Vet Restrictions None None


Pet insurance does not cover pre-existing conditions

Bottom Line

FIGO and PetFirst are both great choices for dog and cat owners. The biggest difference between the two plans is that FIGO covers accidents and illnesses without the option to add wellness or routine care coverage. PetFirst covers accidents and illnsses and offers riders to add wellness and routine care. An important consideration is that FIGO has an annual deductible and PetFirst has a per-incident deductible, which is applies each time your pet has a health issue. We recommend annual deductibles in case you have multiple claims in one calendar year.

Notes & Disclaimers

*d/b/a FIGO PET INSURANCE AGENCY, LLC in California. Availability of this program is subject to each state’s approval. Terms and conditions of coverage may vary by state.

FIGO Pet Insurance® and the FIGO PetCloud® are registered trademarks of FIGO Pet Insurance, LLC and in California FIGO Pet Insurance Agency LLC.

We are not an appointed producer and cannot sell, solicit or negotiate this product.

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