Figo vs Spot
Spot wins for most buyers on flexibility and score: 8.3 against Figo at 7.9 in our dog rankings (8.2 vs 8.0 for cats), with the widest annual-limit menu we track ($2,500 up to unlimited) and no separate orthopedic waiting period beyond the standard 14-day wait. Figo fights back with two things Spot lacks: a 100% reimbursement tier (the only insurer here offering one, paired with a $500 or $750 deductible and not available on its unlimited-limit plan) and a 24-hour accident waiting period against Spot’s 14 days. Pick Figo if maximizing reimbursement rate or claim speed matters most; pick Spot for ceiling control and the cleaner orthopedic fine print.
Side by side
| Figo | Spot | |
|---|---|---|
| Editorial score (dogs) | 7.9/10 | 8.3/10 |
| Annual limit | $5k-unlimited | $2.5k-unlimited |
| Deductible | $100 to $750 standard, plus $1,000/$1,500 options for pets age 8+/10+ | Annual, $100/$250/$500/$750/$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 | 14 days (next-day in select states) |
| Illness wait | 14 days | 14 days |
| Orthopedic / cruciate wait | 6 months, waivable with a vet exam completed and submitted within the enrollment window | No separate orthopedic or cruciate wait , the standard 14-day illness period applies |
| 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.
Spot: Not covered, standard exclusion for signs shown before enrollment or during the waiting period.
Choose Figo if
You want the highest reimbursement percentage possible or a 24-hour accident start versus Spot's 14 days. Figo is the only insurer here selling 100% reimbursement (requires a $500 or $750 deductible, not combinable with the unlimited Higher Coverage plan), and accident coverage starts after 24 hours versus 14 days at Spot. Its Popular plan caps at $10,000 while Higher Coverage has no annual limit, and the 6-month orthopedic wait can be waived with a vet exam inside the enrollment window. Service runs app-first through Pet Cloud.
Choose Spot if
You want control over the ceiling without exam paperwork. Spot sells more limit and deductible combinations than anyone here ($2,500 up to unlimited) and applies no separate orthopedic or cruciate wait beyond the standard 14-day period, unlike Figo’s 6-month hold. Watch two things: Spot links both knees, so a prior injury on one side excludes the other, and its low caps make it easy to under-buy if you configure carelessly.
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.