Trupanion vs Figo
Trupanion wins on payout design and claims experience: unlimited payout on every policy, true Vet Direct Pay at participating clinics (about 75% of claims handled within 24 hours), fixed 90% reimbursement, and a per-condition deductible paid once per diagnosed condition for life. Figo answers with a unique reimbursement tier: the only 100% reimbursement we track (paired with a $500 or $750 deductible, not combinable with its unlimited Higher Coverage plan), a 24-hour accident start against Trupanion’s 5 days, deductibles from $100, and optional Wellness Powerups where Trupanion offers none. Scores run 8.6 vs 7.9 for dogs, 7.8 vs 8.0 for cats in our rankings.
Side by side
| Trupanion | Figo | |
|---|---|---|
| Editorial score (dogs) | 8.6/10 | 7.9/10 |
| Annual limit | Unlimited | $5k-unlimited |
| Deductible | Per-condition, not annual , pay it once per diagnosed condition, for the life of the pet, not every year. Configurable in $50 steps from $0 to $1,000, plus $1,350/$1,500/$1,750 options. | $100 to $750 standard, plus $1,000/$1,500 options for pets age 8+/10+ |
| Reimbursement options | Fixed at 90% , not configurable, unlike every other insurer here | 70%, 80%, 90% or 100% , the only insurer here offering a 100% tier |
| Accident wait | 5 days | 24 hours |
| Illness wait | 30 days | 14 days |
| Orthopedic / cruciate wait | None listed | 6 months, waivable with a vet exam completed and submitted within the enrollment window |
| Wellness add-on | Not offered | Available |
| Direct vet pay | Yes (VetDirect Pay) | 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
Trupanion: Not covered, standard exclusion for signs shown before enrollment or during the waiting period.
Figo: Not covered, standard exclusion for signs shown before enrollment or during the waiting period.
Choose Trupanion if
You want friction removed at the worst moment and chronic-condition economics: unlimited annual payout, direct clinic payment so you never front the bill at participating hospitals, and one deductible per diagnosed condition for the pet’s lifetime ($0-$1,000 configurable). There is no wellness coverage at any tier. Request current quotes to compare its premium.
Choose Figo if
You want reimbursement choice or a shorter accident wait: 100% reimbursement on the required deductible pairing, accident cover after just 24 hours, limits from the Popular plan’s $10,000 cap up to the unlimited Higher Coverage plan, and app-first service through Pet Cloud. Mind the 6-month orthopedic hold unless waived by an enrollment-window exam.
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.