Pet Insurance Quotes

Trupanion Pet Insurance vs. FIGO

Trupanion and FIGO are both excellent choices when it comes to dog or cat insurance. Trupanion is one of the oldest pet insurance providers in America with roots that trace back to 2005. FIGO was founded eight years later in Chicago as a technology focused provider of pet insurance.

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Trupanion Pet Insurance Figo Pet Insurance
Price: Get a Quote Get a Quote
Overall Rating:
Total Reviews: 7,943 1,791
Deductible: $0 - $1,000 $250 or $500
Reimbursement: 90% 70%, 80%, or 90%
Annual Limit: Unlimited $10,000 - Unlimited
Company Profile: Company Overview Company Overview
Waiting Period for Accidents: 5 days 1 day*
Waiting Period for Illnesses: 30 days 14 days
Waiting Period for Orthopedic Coverage: 30 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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Trupanion vs. FIGO

Trupanion and FIGO offer several pet insurance policies to match the needs of families. FIGO has three plans (Essential, Preferred, and Ultimate) with an option for unlimited coverage. Trupanion is one of the few pet insurance companies that will cover expenses like boarding fees and physical therapy.

Trupanion Details

  • Deductible: Deductibles for Trupanion policies range from $0 to $1,000.
  • Reimbursement: Trupanion reimburses 90% of covered costs.
  • Emergency Care: Trupanion pet insurance covers emergency care.
  • Waiting Period for Accidents and Illnesses: Trupanion has a 5-day waiting period of accidents and a 30-day waiting period for illnesses.

FIGO Details

  • Deductible: FIGO has deductibles from $50 to $1,500.
  • Reimbursement: FIGO will reimburse you 70% to 100% of covered costs.
  • Emergency Care: FIGO covers emergency care expenses.
  • Waiting Period for Accidents and Illnesses: FIGO has a 5-day waiting period for accidents and a 14-day waiting period for illnesses.

Pet Insurance Coverage From Trupanion and FIGO

FIGO and Trupanion have comprehensive coverage that makes it easy for pet parents to choose plans for emergency services. You can also add riders for more coverage.

Trupanion and FIGO Prices

Trupanion tends to charge a little more than FIGO. The amount you pay, though, depends on factors like your pet’s age and how much coverage you want.

Should You Choose Trupanion or FIGO Pet Insurance?

Get a price quote to help you decide whether Trupanion or FIGO has the right pet insurance for your family.

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Trupanion Pet Insurance Enrollment Requirements

Trupanion Enrollment Requirements

You must provide all medical history and records associated with your pet. You also authorize Trupanion to contact any and all veterinary clinics or hospitals in your area to obtain all available medical records that exist for your pet. Trupanion allows pets to enroll from the time of birth to their 14th birthday.

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.