Pet Insurance Quotes

Petco Pet Insurance vs. FIGO

Petco and FIGO offer nearly identical plans. Both companies offer excellent accident and illness coverage, which comes in handy if your pet ever gets sick or injured. And you can rest assured that accident and illness coverage is the most important and most popular type of pet insurance coverage. Let’s compare these two companies side-by-side!

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Petco Insurance FIGO Pet Insurance
Price: Get a Quote Get a Quote
Overall Rating:
Total Reviews: 19 898
Deductible: $100 - $500 $50 - $500
Reimbursement: 70% - 90% 70% - 100%
Annual Limit: $5,000 - Unlimited $10,000 - Unlimited
Company Profile: Company Overview Company Overview
Waiting Period for Accidents: 14 days 5 days
Waiting Period for Illnesses: 14 days 14 days
Waiting Period for Orthopedic Coverage: 14 days 6 months *
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: Excluded Optional
Vet Restrictions: None None

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Petco vs. FIGO Pet Insurance

Petco and FIGO are both excellent choices if you’re looking for accident and illness coverage for a dog or cat.

Petco, which was founded in San Diego in 1965, has been serving pets and pet parents for over 50 years. And with 1,500 stores and billions in revenue it’s one of the most recognized pet brands in America.

FIGO, on the other hand, was founded in Chicago in 2013 in a technology incubator. The focus on it’s founders was to marry technology with world-class pet insurance coverage.

Both companies come from a very different background but both offer excellent pet insurance coverage.

The biggest difference between the two, despite their backgrounds, are waiting periods for accidents and orthopedic issues. Petco has a 14 day waiting period for accidents and FIGO has only a 5 day waiting period. Conversely, Petco has only a 14 day waiting period for orthopedic issues while FIGO has a 6 month waiting period.

Both plans are very similar and you would be extremely happy with either one. The key, however, is to enroll in a plan while your dog or cat is young and healthy!

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Petco Insurance Enrollment Requirements

There are no enrollment requirements. However, when you submit a claim, you authorize us and our administrator to access all medical information that we need to assess your pet’s health. For example, we may ask you for the name and contact information of any veterinarian that has ever seen or treated your pet. You must also provide proof of identity for your pet when we request.

FIGO Pet Insurance Enrollment Requirements

  • There is a 6-month waiting period for both hip dysplasia and orthopedic conditions*. Both have the ability to be waived if exam/waiver form is completed by a veterinarian within first 30 days of policy period and no pre-ex issues.