Figo vs Pets Best
Pets Best wins on price and cat value: illustrative premiums of about $33/mo for a dog and $14/mo for a cat (the cheapest cat figure in our catalog, scoring 8.4 for cats) versus Figo’s roughly $40/$23 at scores of 7.9/8.0. Figo answers with the only 100% reimbursement tier we track (requires a $500 or $750 deductible, excluded from its unlimited plan), a 24-hour accident start against Pets Best’s waivable 3-day wait, and an unlimited-limit Higher Coverage plan alongside Pets Best’s own unlimited option. Both impose 6-month orthopedic holds that can be waived with vet exams, and both sell wellness separately.
Side by side
| Figo | Pets Best | |
|---|---|---|
| Editorial score (dogs) | 7.9/10 | 8.1/10 |
| Illustrative starting price | dogs from $40/mo, cats from $23/mo | dogs from $33/mo, cats from $14/mo |
| Annual limit | $5k-unlimited | $5k-unlimited |
| Deductible | $100 to $750 standard, plus $1,000/$1,500 options for pets age 8+/10+ | Annual, $50/$100/$200/$250/$500/$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 | 3 days (waivable entirely with a qualifying vet exam submitted within 30 days of enrollment) |
| Illness wait | 14 days | 14 days |
| Orthopedic / cruciate wait | 6 months, waivable with a vet exam completed and submitted within the enrollment window | 6 months for cruciate ligament events. Waiting periods may be reduced or waived when a participating veterinarian certifies the pet (exam up to 3 days before or 7 days after the effective date; form back within 30 days of the exam) |
| 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.
Pets Best: Not covered, standard exclusion for signs shown before enrollment or during the waiting period.
Choose Figo if
Reimbursement depth or claim speed leads your decision. Figo is the only insurer here selling 100% reimbursement (with the required deductible pairing), starts accident cover after 24 hours, and its Higher Coverage plan has no annual limit. Service runs app-first through Pet Cloud, which some owners will not love.
Choose Pets Best if
Budget leads, especially for cats. Illustrative cat premiums start around $14/mo with dogs around $33/mo, deductibles run $50 to $1,000 annually (the lowest floor we track), limits come in $5,000, $10,000 or unlimited, and the 3-day accident wait can be waived entirely with a qualifying exam within 30 days of enrollment. Exam fees cost extra on the base Essential 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.