Figo vs. Fetch

Figo and Fetch are both excellent pet insurance providers. They are very similar in terms of coverage options, and both have world-class apps to help you make claims and manage your account. If you’re looking for additional bells and whistles like social sharing and content, then Figo might be the best option for you. If you’re looking for 24/7 service and optional wellness coverage, then Fetch might be your choice.


Price:	Get a Quote	Get a Quote
Overall Rating:
Total Reviews:	1,791	1,837
Deductible:	$250 or $500	$300, $500, $700
Reimbursement:	70%, 80%, or 90%	70%, 80%, 90%
Annual Limit:	$10,000 - Unlimited	$5K - Unlimited
Company Profile:	Company Overview	Company Overview
Waiting Period for Accidents:	1 day*	up to 15 days
Waiting Period for Illnesses:	14 days	up to 15 days
Waiting Period for Orthopedic Coverage:	6 months *	6 months for knees (can be waived)**
Emergency Care:	Included	Included
Accidents:	Included	Included
Illnesses:	Included	Included
Cancer Coverage:	Included	Included
Orthopedic Issues:	Included	Included
Hereditary Conditions:	Included	Included
Chronic Conditions:	Included	Included
Prescription Meds:	Included	Included
Wellness Coverage:	Optional	Optional
Vet Restrictions:	None	None

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Figo vs. Fetch Pet Insurance

Fetch and Figo both offer straightforward, standard pet insurance options at competitive prices. They are also both top-rated in the pet insurance industry.

Figo Pet Insurance

Although Figo is one of the newest pet insurance brands, the company has already received many great ratings. And offers one of the best accident and illness plans in the United States.

View the Figo general overview
Deductible: $50 – $500
Reimbursement: 70% – 100%
Emergency Care: Included
Waiting period for accidents: 5 days
Waiting period for illnesses: 14 days

Fetch Pet Insurance

Fetch also offers straightforward plans, with the option to add additional coverage. They also provide 24/7 service and will never cancel a policy due to a pet’s age, health, or claim history.

View the Fetch general overview
Deductible Options: $300, $500, $700
Reimbursement Options: 70%, 80%, 90%
Emergency Care: Included
Waiting period for accidents: up to 15 days
Waiting period for illnesses: up to 15 days

Coverage Comparison

Both Fetch and Figo offer similar types of coverage plans, but Fetch has an edge since they offer wellness coverage as an optional add-on, while Figo does not.

Price Comparison

Both pet insurers make it easy to file claims with their intuitive apps, and both are priced competitively. Review each for more information.

Regardless of which provider you choose, we highly encourage all pet parents to get free quotes to make sure you get the best value possible for your pet’s breed!

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Figo Pet Insurance Enrollment Requirements

There is a 6-month waiting period for both hip dysplasia and orthopedic conditions. Both can be waived if the exam/waiver form is completed by a veterinarian within the first 30 days of the policy period and there are no pre-existing issues.

Fetch Pet Insurance Enrollment Requirements

*Regardless of your pet’s age, if your pet has not been examined by a veterinarian within sixty (60) days prior to the effective date of the policy, you must arrange to have your pet examined within thirty (30) days of the effective date of the policy.

**Orthopedic Health Issues

6-month waiting period for cruciate ligaments and patellar luxation
The illness and accident waiting period is up to 15 days and applies to other orthopedic conditions
The exclusionary period for knees can be waived with a healthy knee exam or check at the vet while the policy is in force
A 30-day waiver is available
Cruciate injuries and illnesses are coverable, but there is a six-month cruciate exclusionary period that can be waived by having the knees certified as healthy by the vet in the first 30 days