Figo vs Healthy Paws
Healthy Paws wins for dogs on score and ceiling: 9.3 against Figo at 7.9 in our rankings, with unlimited payout as its signature posture and fast reimbursement. Figo counters with features Healthy Paws lacks: a 24-hour accident waiting period (against 15 days), the only 100% reimbursement tier we track (paired with a $500 or $750 deductible, not combinable with its unlimited-limit plan), optional Wellness Powerups. Both Figo and Healthy Paws offer cat insurance; compare cat-specific quotes and policy terms, including eligibility, pre-existing exclusions, and waiting periods.
Side by side
| Figo | Healthy Paws | |
|---|---|---|
| Editorial score (dogs) | 7.9/10 | 9.3/10 |
| Annual limit | $5k-unlimited | Unlimited |
| Deductible | $100 to $750 standard, plus $1,000/$1,500 options for pets age 8+/10+ | One annual deductible, chosen at enrollment: $100, $250, $500 or $1,000 |
| Reimbursement options | 70%, 80%, 90% or 100% , the only insurer here offering a 100% tier | 70%, 80% or 90% |
| Accident wait | 24 hours | 15 days after the policy effective date in most states. 0 days in CA, DE, FL, HI, LA, MD, ME, MS, MT, NE, NH, OH, PA, RI, VT, WA for accident-related conditions (those states still apply a 15-day wait to illness, injury and orthopedic conditions not from an accident) |
| Illness wait | 14 days | 15 days after the policy effective date |
| Orthopedic / cruciate wait | 6 months, waivable with a vet exam completed and submitted within the enrollment window | Hip dysplasia waits 12 months in most states for pets enrolled at age 5 or below, or 30 days in CA, DE, FL, HI, LA, MD, ME, MS, MT, NE, NH, OH, PA, RI, VT and WA (depends on state). Pets enrolled at 6 or older are not covered for hip dysplasia at all |
| Wellness add-on | Available | Not offered |
| Direct vet pay | No, reimbursement only | Yes (VetDirect Pay) |
Compare current quotes for the same pet and ZIP code, using the same deductible, reimbursement rate, annual limit, and add-ons. Older catalog price examples do not establish which insurer costs less today.
Pre-existing conditions
Figo: Not covered, standard exclusion for signs shown before enrollment or during the waiting period.
Healthy Paws: Not covered. A condition counts as pre-existing if it showed any sign, even undiagnosed, before your policy started or during the 15-day waiting period. If one knee's cruciate ligament was hurt before enrollment or during the wait, the other knee's cruciate is excluded too.
Choose Figo if
You want speed and reimbursement depth on a dog policy: accident cover after just 24 hours, a 100% reimbursement tier unique in our lineup (requires a $500 or $750 deductible and excludes the unlimited Higher Coverage plan), and app-first service through Pet Cloud. Mind the Popular plan’s $10,000 cap and the 6-month orthopedic wait unless waived with an exam inside the enrollment window.
Choose Healthy Paws if
You want maximum ceiling without configuration on a dog policy: unlimited payout as the default posture, our highest dog score at 9.3, and Direct Pay that can be pre-arranged with the claims team. Accept the 15-day waits in most states, the 12-month hip dysplasia hold (30 days in 16 states, waivable by exam) with exclusion for dogs enrolled at six or older, and compare cat-specific quotes and policy terms, since Healthy Paws also offers cat insurance.
The exclusions cheat sheet
A plain-English guide to waiting periods and key exclusions across eight insurers, with links to the full reviews.
Questions
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Written by the WhichPetPlan editorial team. Scores are our own editorial ratings, not an industry standard. See our methodology for how scores are set.