Figo vs Fetch
Figo wins on payout depth and speed: the only 100% reimbursement tier we track (paired with a $500 or $750 deductible, not combinable with its unlimited-limit plan), accident cover after just 24 hours, and a Higher Coverage plan with no annual limit. Fetch wins on breadth per dollar: dental disease and behavioral therapy included in the base policy, no accident waiting period at all, at an illustrative $47/mo for a dog versus $40/mo for Figo ($27 vs $23 for cats). Scores sit close: 7.9 vs 7.6 for dogs, 8.0 vs 7.5 for cats in our rankings.
Side by side
| Figo | Fetch | |
|---|---|---|
| Editorial score (dogs) | 7.9/10 | 7.6/10 |
| Illustrative starting price | dogs from $40/mo, cats from $23/mo | dogs from $47/mo, cats from $27/mo |
| Annual limit | $5k-unlimited | $15k |
| Deductible | $100 to $750 standard, plus $1,000/$1,500 options for pets age 8+/10+ | $250 to $2,500 (three recommended amounts shown at signup; other amounts available by contacting Fetch) |
| Reimbursement options | 70%, 80%, 90% or 100% , the only insurer here offering a 100% tier | 70%, 80% or 90% |
| Accident wait | 24 hours | No waiting period from the policy effective date |
| Illness wait | 14 days | Up to 15 days |
| Orthopedic / cruciate wait | 6 months, waivable with a vet exam completed and submitted within the enrollment window | None listed |
| Wellness add-on | Available | Available |
| Direct vet pay | No, reimbursement only | No, reimbursement only |
Starting prices are illustrative estimates for a healthy one-year-old animal, not quotes. Your real premium depends on breed, age, ZIP code, deductible and reimbursement rate.
Pre-existing conditions
Figo: Not covered, standard exclusion for signs shown before enrollment or during the waiting period.
Fetch: Not covered, standard exclusion for signs shown before enrollment or during the waiting period.
Choose Figo if
You want maximum reimbursement rate or the fastest accident start: 100% back on claims (with the required deductible pairing) or 24-hour accident cover against Fetch’s 14-day illness clock. Mind the Popular plan’s $10,000 cap, the 6-month orthopedic wait unless waived by an enrollment-window exam, and app-first service through Pet Cloud.
Choose Fetch if
Coverage breadth leads. Fetch genuinely covers dental disease and behavioral therapy without add-ons, lists limits of $5,000 to $15,000 (higher by contact), deductibles from $250 to $2,500, and an optional wellness add-on for routine care. The ceiling is lower off the shelf than Figo’s unlimited Higher Coverage plan.
The exclusions cheat sheet
One page, all 8 insurers: every waiting period, annual cap and excluded condition, in plain English. We email it as soon as you join.
Questions
Keep reading
Written by the WhichPetPlan editorial team. Rankings are editorial, not paid placement. Some links (currently Lemonade) may earn a fee; it never changes the premium and never changes a ranking. Other insurers listed here do not pay us. Scores are our own editorial ratings, not an industry standard. See our methodology for how scores are set.