Figo vs Healthy Paws

Figo vs Healthy Paws

We write our honest reviews but this page may contain affiliate links, with some of the partners mentioned, to support this website. Read more here

Pet owners want the very best for their furry friends, but sometimes that means expensive vet visits and unexpected costs. Luckily, there are lots of pet insurance providers who can help them deal with regular and unexpected vet costs easily and help them provide the very best for their pets.

healthypaws logo

Healthy Paws ranked as one of the few great insurances.

Figo Pet Insurance

Access to the Pet Cloud app, its 24/7 live vet service.


Among the vast selection of pet insurance providers on the market today, Figo and Healthy Paws are among the best, as they offer incredible coverage and are pretty affordable. Although they are both elite companies with rich experience and positive reviews from their customers, they are different in many things. 

Keep reading to find out whether Figo or Healthy Paws is the perfect choice for your pet’s needs!

Healthy Paws Overview: Pros & Cons

Healthy Paws pet insurance has helped pet owners since 2009, with the help of a global insurance company, the prominent Chubb that underwrites Healthy Paws policies. It doesn’t have an annual limit for the perks your fur friend can get, meaning in case your pet faces something serious, Healthy Paws pet insurance will cover your vet expenses completely. Their claims process is fast and easy, and customers can file one using the free Healthy Paws mobile app. The best part is that claims are processed within 2 days on average, so you will get your money back relatively soon. 

Here are some of the pros and cons that are typical for Healthy Paws pet insurance providers:


  • Fast claims process;
  • No annual limit;
  • Covered by Chubb, which is a global insurance provider;
  • Helps homeless animals.


  • Requires an exam;
  • Not suitable for older pets.

Healthy Paws comes with a singular policy designed to cover both accidents and illnesses. Customers don’t have an option to adjust their premium much, but Healthy Paws has limited customization options. Healthy Paws has certain limits for pets older than 5 and doesn’t ensure pets older than 14. Additionally, they require an exam for the pets it covers.

A huge plus for Healthy Paws is the fact that it is a mission-driven pet insurance company. Via their Foundation, Healthy Paws help homeless animals to get the medical care they deserve to stay healthy and find a home.

Healthy Paws Pet Insurance Review

Figo Pet Insurance Overview: Pros & Cons

Figo pet insurance works with all licensed vets across the United States, Puerto Rico, and Canada. This pet insurance provider follows a great reimbursement system, and customers don’t have to pay any money to their vet directly.

Serving people for over 10 years, Figo pet insurance offers 24/7 help and virtual vet visits that don’t require payment upfront. Customers have a few options to get in touch with the Figo customer service agents, and online chat is one of them. 

Although Figo has prepared some restrictions for senior pets, there isn’t a maximum enrollment age for pet insurance coverage. However, there is an enrollment exam, and in case the pet you want to insure hasn’t had one in the last 12 months, you need to take them to an exam for pre-existing conditions. Pet owners have to pay for the exam, as Figo doesn’t cover that.

Figo is confident in the quality of its services and offers a 30-day money-back guarantee, so customers can cancel their insurance if they feel that it isn’t suitable for their needs. This pet insurance provider doesn’t offer a wellness plan option or accident-only plan, but it provides a comprehensive accident and illness plan.

Figo has many positive sides, but it also has some limitations, and here are some of them:


  • Works with all vets;
  • No maximum enrollment age;
  • 24/7 chat;
  • 30-day money-back guarantee.


  • Enrollment exam;
  • Exam fees are not included.
Figo pet insurance overview

Figo vs. Healthy Paws: Coverage

Figo and Healthy Paws are both great pet insurance providers that include almost identical coverage lists of treatments in their insurance policies. They both provide reimbursement for the analysis and treatment of illnesses that don’t belong in the group of pre-existing conditions, as well as for accidents. Figo and Healthy Paws also cover alternative and specialist treatments recommended by licensed vets. They pay for all medical boarding costs if your pets need to stay in a hospital for several days. The difference is that for Figo, customers need to pay add-on coverage for boarding.

Figo pet insurance coverage includes:

  • Emergency & Hospitalization;
  • Surgeries;
  • Veterinary Specialists;
  • Diagnostic Testing;
  • Knee Conditions;
  • Prosthetics & Orthopedics;
  • Hereditary & Congenital;
  • Prescriptions;
  • Hip Dysplasia;
  • Chronic Conditions;
  • Dental Illness & Injury;
  • Imaging;
  • Cancer Treatments;
  • Optional Wellness Coverage;
  • Optional Veterinary Exam Fees.

Healthy Paws pet insurance coverage includes:

  • Illnesses;
  • Accidents;
  • Hereditary Conditions;
  • Congenital Conditions;
  • Chronic Conditions;
  • Cancer;
  • Diagnostic Treatment;
  • X-Rays, Blood Tests, Ultrasounds;
  • Surgery;
  • Hospitalization;
  • Prescription Medications;
  • Emergency Care;
  • Specialty Care;
  • Alternative Treatment.

The main difference between Figo and Healthy Paws is that Figo allows pet owners to pick exam fee coverage by buying a policy rider. Healthy Paws customers don’t have this option. Figo pet insurance covers the burial or cremation of your pet.  But does Healthy Paws cover neutering or final expenses? Unfortunately, no, and it’s worth considering when choosing a pet insurance provider.

The policy terms of these pet insurance providers show that there are even more differences between Healthy Paws and Figo. Namely, Healthy Paws’ insurance plans come with unlimited annual perks, by default, customers have an option to select a scale that ranges between $5,000 and up to unlimited at Figo. By selecting a lower limit, customers can reduce monthly premiums and create more affordable alternatives. 

The winner in the category Healthy paws vs Figo coverage is Figo.

Figo vs Healthy Paws: Enrollment & Waiting Period

Pet parents can easily purchase coverage for their cats and dogs online, no matter whether they choose Figo or Healthy Paws pet insurance. As soon as they complete the necessary information about their pet and select the coverage plan and the payment option, they will get their pet insurance.

However, although you purchase your pet insurance, remember that coverage doesn’t begin immediately. Figo pet insurance has a 24 hours pet insurance waiting period for injuries but a 14-day waiting period for illnesses. Healthy Paws is a bit different and comes with a 15-day waiting period for injuries and illnesses.

Both companies, Figo and Healthy Paws, have an 8-week minimum enrollment age, which is the industry standard for pet insurance. When it comes to maximum enrollment age, Figo covers all dogs and cats no matter how old they are, but Healthy Paws doesn’t insure senior pets older than 14.

The winner in this category is Figo.

Figo vs Healthy Paws: Claim Filing

Figo and HealthyPaws pet insurance offer easy claim filling. Customers can file a Healthy Paws pet insurance claim via their online website, or they can do it right from their smartphone using a mobile app. Customers who want to file a Figo pet insurance claim can also download a standard claim form to submit it through snail mail, fax, and email.

Once you submit your claim and all the necessary documents, Figo will send you money within 10 days, but Healthy Paws will do that even faster, within 2 days if you use a direct deposit.

Healthy Paws pet insurance offers an option to refund some examines directly upfront. To enjoy this benefit, you need to pay your deductible and the rest of your vet bill according to the percentage of reimbursement you pick for your policy.

The winner in this category is Healthy Paws.

Figo vs Healthy Paws: Reimbursement & Deductible

Figo pet insurance offers a lot of flexibility when you build your plan, as it comes with a few annual payout options: unlimited, $10,000, or as low as $5,000. There are also various deductible options you can pick from $100, $250, $500, and $750, and a couple of reimbursement choices: 70%, 80%, 90%, and 100%. Figo is one of the rare pet insurance providers that offer a 100% reimbursement option. More customization options mean a greater choice of premium prices that can match every budget.

Unlike Figo, Healthy Paws pet insurance only has unlimited claims, and their reimbursements and deductibles are lower, and they depend on the pet’s age:

Cats and dogs 5 years or younger:

  • $100, $250, and $500 deductible;
  • 70%, 80%, and 90% reimbursement.

Cats and dogs 6 and 7 years old:

  • $250, $500, or $750 deductible;
  • 60%, 70%, or 80% reimbursement.

Dogs 8 years or older:

  • $750 or $1,000 deductible;
  • 50% or 60% reimbursement.

Figo pet insurance ultimately beats Healthy Paws in this category because it has greater flexibility for creating a plan that fits your budget.

The plan customization winner is Figo.

Conclusion: Which one is the best?

According to our comprehensive research, Figo pet insurance is a much better option when compared to Healthy Paws. Figo is designed to enroll all cats and dogs, no matter their age, and to fit everyone’s budget, but Healthy Paws pet insurance cost sums vary according to the pet age.

Both Figo and Healthy Paws are pet insurance providers that will help you deal with your vet costs and keep your pet protected, but the fact that Figo offers an option for 100% reimbursement makes it more suitable for you!

Related Topics: