Figo vs. Fetch: 100% Reimbursement vs. Genuine Dental Disease Coverage

Direct Answer: Which One Should You Pick?

Pick Figo if your goal is maximum payout per claim: it is the only insurer we review offering a 100% reimbursement rate, meaning you pay only the deductible out of pocket on covered claims. Pick Fetch if your pet's predictable long-term cost is dental disease or behavioral issues — Fetch covers both explicitly where most carriers exclude them. Figo wins on raw claim economics and price; Fetch wins on covering the chronic conditions owners actually file repeatedly.

The 100% Reimbursement Catch at Figo

Figo's 100% tier sounds like a free lunch and it is not. Per our verified facts, 100% reimbursement is available only with a $500 or $750 deductible — you buy back the out-of-pocket exposure with a higher threshold before coverage kicks in. It also cannot be paired with Figo's unlimited-annual-limit (Higher Coverage) plan; the Popular plan that carries the 100% option caps at $10,000 per year. Standard rates on other plans are 70%, 80%, or 90%.

That structure makes sense once you see the mechanics: with a $750 deductible and 100% reimbursement, every claim under $750 comes entirely from your pocket anyway, and claims above it are paid in full up to the cap. For a single catastrophic event inside a policy year — one surgery, one major illness — this is often the cheapest real-world outcome. For pets with multiple smaller claims across a year, a lower deductible at 90% can net out better. Illustrative pricing starts at $40/mo for dogs and $23/mo for cats, mid-table among the eight insurers we review.

One operational caveat: everything runs through Figo's Pet Cloud app. Claims and service happen there, with essentially no phone support to speak of. Owners who want to call a human should weigh that heavily.

What Fetch Actually Covers That Others Exclude

Fetch's differentiator is genuine dental disease coverage. Most insurers treat dental as cosmetic or exclude illness of the mouth outright; Fetch covers it as illness, alongside behavioral care such as treatment for destructive chewing or separation anxiety. For breeds prone to periodontal disease — small dogs, brachycephalics — or for dogs that ingest things they should not, this shifts a large share of lifetime claims from excluded to covered.

The cost side: illustrative premiums start at $47/mo for dogs and $27/mo for cats, placing Fetch mid-table on price with what our review calls a middling cap — listed annual limits run $5,000, $10,000, or $15,000, lower than the unlimited options sold by several peers, though Fetch says higher limits exist by contacting them directly. Deductibles run $250 to $2,500, the widest deductible span in our lineup, with 70%, 80%, or 90% reimbursement. Waiting periods are strong on accidents — none at all from the policy effective date — and up to 15 days for illness.

Head-to-Head Mechanics

On speed to coverage, both are fast for accidents: Fetch has zero wait, Figo waits 24 hours. Illness waits are similar — 14 days at Figo, up to 15 at Fetch. Orthopedic conditions wait 6 months at Figo, waivable with a vet exam submitted within the enrollment window. Fetch's deductible range ($250–$2,500) dwarfs Figo's standard $100–$750 range (plus $1,000/$1,500 options for older pets), giving aggressive premium-shoppers more room to maneuver at Fetch.

Both enforce the standard pre-existing exclusion: anything that showed signs before enrollment or during the waiting period is not covered, at either carrier. Neither distinction favors one over the other — this is industry-standard fine print. Where they diverge sharply is wellness: Figo sells optional Wellness Powerups (Basic covers up to $30 of microchipping; Wellness Plus adds flea/tick/heartworm prevention, blood panels, fecal tests and deworming), while Fetch sells its Wellness add-on only attached to an existing accident & illness policy.

Honest Verdict: Who Each Plan Is Actually For

Figo is for owners optimizing per-claim economics on a young, healthy pet who expect few but expensive events — and who are comfortable living in an app. The 100% tier's constraints matter: you must accept a $500+ deductible, and you give up unlimited annual coverage to get it. If you want unlimited limits, you drop to 90% like everyone else, and Figo becomes a competent but unremarkable pick priced accordingly.

Fetch is for owners whose pet will generate chronic claims — dental disease above all — and who value those being covered over having the largest headline cap. The downsides are honest ones: you pay more monthly than cheaper rivals, the shelf-top limit is $15,000, and if your pet never has dental or behavioral problems, you are paying for coverage you do not use. If neither profile fits — cheap-and-simple, or maximum flexibility — better options exist elsewhere in our reviews.

Figo vs. Fetch FAQ

Related

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