Figo vs Pets Best
Figo offers 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 |
| 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 |
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.
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
You want Pets Best's $50 to $1,000 annual deductible range, its $5,000, $10,000 or unlimited annual-limit options, and a 3-day accident wait that can be waived with a qualifying exam. Exam fees cost extra on the base Essential plan.
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.