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 price flexibility and a unique 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. Illustrative pricing reflects the gap: about $62/mo for a Trupanion dog versus $40/mo for Figo, with cats at roughly $35 vs $23. 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 |
| Illustrative starting price | dogs from $62/mo, cats from $35/mo | dogs from $40/mo, cats from $23/mo |
| 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 |
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
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). Accept the highest month-to-month cost in this lineup and no wellness coverage at any tier.
Choose Figo if
You want rate depth or speed without Trupanion’s premium: 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
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.