Trupanion Vs. FIGO Pet Insurance: In-Depth Comparison [2022]

What’s The Difference Between FIGO & Trupanion Pet Insurance Plans?

Thank you for visiting our guide to comparing Trupanion and FIGO. Below you’ll find a comparison of plan rates, multi-pet discounts, wellness plans, coverage amounts, and more.

Remember, the easiest way to shop for pet insurance is using a tool such as this to compare pet insurance plans from all the major pet insurance companies at once. With this tool, you can compare rates from FIGO and Trupanion side by side, as well as other major pet insurers.

FIGO & Trupanion: A Complete Breakdown of Dog Insurance Plan Benefits

The comparison below will show you the pet insurance plan features of FIGO and Trupanion, as well as many of the other top pet insurance brands.

Company

Annual Coverage

Annual Coverage

$ 5,000 or Unlimited

Up To $ 100,000

Unlimited

Unlimited

$ 5,000 or Unlimited

Unlimited

$ 10,000 or Unlimited

$ 5,000 – $ 30,000

Unlimited

Multi-pet Discount?

Multi-pet Discount?

Yes

Yes

No

No

Yes

No

Yes

Yes

No

What They Do Best

What They Do Best

Best for plan customization

Great pricing for puppies & kittens

$ 0 copay option. No fees for paying monthly.

Best for paying claims to veterinarian direct

Short waiting periods

Best for paying claims fast

Best Trustpilot reviews

Best plan for superior benefits

Fast claims. Wellness plan available.

iHeartDogs Customer Rating ⭐⭐⭐⭐⭐

iHeartDogs Customer Rating ⭐⭐⭐⭐⭐

4.3 / 5

4.6 / 5

4.7 / 5

4.5 / 5

4.1 / 5

4.4 / 5

4.5 / 5

4.5 / 5

4.1 / 5

Wellness Plan Option? (preventive care eg exams, dental, vaccines)

Wellness Plan Option? (preventive care eg exams, dental, vaccines)

Yes

No

Yes

No

No

No

No

Yes

Yes

Example Quote for 1 Year Old 30 lb Mixed Breed

Example Quote for 1 Year Old 30 lb Mixed Breed

$ 35.81 per month

$ 20.00 per month

$ 30.00 per month

$ 68.25 per month

$ 69.30 per month

$ 26.25 per month

$ 73.46 per month

$ 42.35 per month

$ 15.00

Reimbursement Amount

Reimbursement Amount

90%, 80%, or 70%

90%, 80%, or 70%

90%, 80%, or 70%

90%

100%, 90%, 80%, or 70%

90%, 80%, 70%, 60%, or 50%

90%, 80%, or 70%

90%, 80%, or 70%

100% or 90%

Annual Deductible

Annual Deductible

$ 50, $ 100, $ 200, $ 250, $ 500, or $ 1,000

$ 100, $ 250, or $ 500

$ 100, $ 250, or $ 500

$ 0 to $ 1,000

$ 100, $ 250, $ 500, or $ 750

$ 100, $ 250, $ 500, $ 750, or $ 1,000

$ 100, $ 250, $ 500, or $ 1,000

$ 200, $ 300, $ 500, $ 750, or $ 1,000

$ 250, $ 500, or $ 1,000

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Free Side by Side Quote Comparison Between Trupanion and FIGO

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Common Questions About FIGO Vs. Trupanion

Coverage Amounts: FIGO Vs. Trupanion

Trupanion offers unlimited coverage with their plans, while FIGO allows you to choose plans with unlimited coverage or a $ 5,000 cap. Of course, unlimited coverage provides the ultimate financial protection, but a plan with a coverage cap will save you money on your monthly premium.

Multi-Pet Discounts: FIGO Vs. Trupanion

FIGO offers a multi-pet discount, so you can cover all the furry family members on one plan and only pay one monthly premium. Trupanion does not offer a multiple pet discount at this time. But the upside of a single pet plan means tailored coverage for each pet’s specific needs.

What are the Reimbursement Amounts for Trupanion vs. FIGO?

FIGO’s reimbursement options are 100%, 90%, 80%, or 70%. Trupanion only offers a 90% reimbursement option. When considering which reimbursement option is right for you, remember, the higher your reimbursement amount, the higher your monthly premium.

What is the Annual Deductible for Trupanion vs. FIGO?

FIGO offers deductible options of $ 100, $ 250, $ 500, or $ 750. Trupanion allows deductibles anywhere from $ 0 to $ 1,000. And here’s something to remember, the higher the deductible amount, the lower your premium will be.

Does FIGO or Trupanion Offer a Wellness Plan for Preventative Care?

At this time, neither FIGO nor Trupanion offers a wellness option that covers preventative care like annual exams, dental screenings, and vaccines. But even without the preventive care options, either company will help save you big when illness or injury strikes.

Who is Cheaper: FIGO or Trupanion?

In most cases, we found FIGO to offer a more affordable price. In our example quote, FIGO beat out Trupanion for a 1-year-old 30lb. mixed-breed dog based on Texas zip code 75001. However, keep in mind that your location, dog’s age, breed, gender, and other factors significantly affect your pricing. The best way to know whether FIGO or Trupanion is cheaper is to run a comparison quote here.

The Bottom Line: Who is Better, FIGO or Trupanion?

In the end, FIGO wins the day with more affordable premiums and a multi-pet discount. Plus, FIGO also gives you more options for tailoring annual deductable costs and reimbursement amounts. But, both Trupanion and FIGO are very reputable and popular with iHeartDogs readers, with FIGO receiving 4.1 out of 5 stars and Trupanion receiving 4.5 out of 5 stars.

Run a No Obligation Comparison Quote Between Trupanion and FIGO

[19] Trupanion Insurance Customer Reviews (2022)

iHeartDogs created surveyed our readers in 2022 about their experience with Trupanion and other major pet insurance plans.

Overall Pets Best received a 4.5 out of 5 rating:

⭐⭐⭐⭐⭐ – Zero deductible, very quick turn around. Emergency vet takes payment directly from company. Insured at 14 weeks so no pre existing conditions. – Trupanion review by Robin, Fort Myers

⭐⭐⭐⭐⭐ – They may be expensive, when I first got it the price was $ 62 a month and it gradually went up to $ 72 a month and then jumped to $ 100 the next year … now $ 116 … but they have paid for 2 ACL operations, and amputation and Chemotherapy for my Bulldog, they are 24/7 human contact, direct payment to hospitals, They have SAVED my dog’s life and allowed her live longer … best decision I ever made – Trupanion review by Paul, Wakefield

⭐ – They ignore paying what they owe. One year to get them to do it. Then again, another year to get paid. My veterinarian had to argue for months. We are in another arguing cycle. It’s been ten months. – Trupanion review by Leslie, Denver

⭐⭐⭐⭐⭐ – They are great in reimbursing you on what’s been paid and I like the fact they pay 90/10. Really helped when my boy was diagnosed with inoperable bladder cancer and we took him to Ohio State Veterinary Clinic for his treatments. Sadly he passed away 2 years ago from a massive stroke, not the cancer we thought might take him. OSU was great. Have other animals covered by them also and have just gotten a puppy who I signed up right away. Will recommend them 100%! – Trupanion review by Susan, Miamisburg

⭐⭐⭐⭐⭐ – There is nothing that I do not like about this Company – Trupanion review by Maura, Conception Bay South

⭐⭐⭐⭐⭐ – Quick, easy, dependable. A life saver, literally. – Trupanion review by Laurie, Lowell

⭐⭐⭐⭐⭐ – Process and reimburse quickly – Trupanion review by Kathy, Delray Beach

⭐⭐⭐⭐⭐ – Price is fair and reimbursement I s fast – Trupanion review by Bsrb, Northville

⭐⭐⭐⭐⭐ – Pick your deductible and reasonable price. Also trustworthy – Trupanion review by Chris, Southington

⭐⭐⭐⭐⭐ – Our golden retriever was very prone to illness- epilepsy, bladder stones, digestive issues, knee surgery, autoimmune immune issues. We incurred over $ 30,000 of veterinary expenses in an 18 month time period, and over 80% was covered by our policy. Having Trupanion made it possible to give my baby the best possible care. – Trupanion review by Lori, Lambertville

⭐⭐⭐⭐ – No annual max, deductible applies to each illness, or accident – Trupanion review by Mary, Coeur d’Alene

⭐⭐⭐⭐⭐ – My dog ​​was a middle-aged rescue from the shelter, and they had no problem insuring her. I have since had issues to be covered, and they were, without question. I was paid within days. The first time took a little longer because they wanted information from the vet. I could not be happier. – Trupanion review by MK, Rancho Cordova

⭐⭐⭐⭐⭐ – Love that I get to choose my deductible and get 90% back on everything but office visits. Dislike that they do not cover wellness but I have had great experiences when filing claims and get paid back very quickly. – Trupanion review by Lynne, Walpole

⭐⭐⭐⭐⭐ – I love the peace of mind I have knowing my dog ​​can get the best care – Trupanion review by Cathy, Calgary

⭐⭐⭐ – I like that they are speedy and easy to use. I do not like that they do not cover regular maintenance office visits. – Trupanion review by kathy, Everett

⭐⭐⭐⭐⭐ – Great coverage options – Trupanion review by Deb, Cedar Rapids

⭐⭐⭐⭐⭐ – Cover exactly what they say they do and do not quibble about costs or delay paying claims. – Trupanion review by Karen, Jackson

⭐⭐⭐⭐⭐ – Been excellent for one dog not so good for my second dog – Trupanion review by Susie, Des Moines

⭐⭐⭐⭐⭐ – 90% direct coverage for anything accidental abs emergency.
– does not cover routine procedures (vaccines, dentals, spays / neuter etc) – Trupanion review by Amanda, Calgary “

[6] FIGO Pet Insurance Customer Reviews (2022)

iHeartDogs surveyed our readers in 2022 about their experience with FIGO and other major pet health insurance companies.

Overall FIGO received a 4.2 out of 5 rating:

⭐ – 6 vet visits, various reasons, ZERO claims paid. They find ANY reason to deny the claim. This is my third company for pet insurance – a complete waste of my money. – FIGO Pet Insurance review by Katie, Frisco

⭐⭐⭐⭐ – Haven’t filed a claim yet – FIGO Pet Insurance review by Dorothy, Phoenixville

⭐⭐⭐⭐⭐ – Very responsive and quick to process the claim. Have to pay extra to get routine wellness covered – FIGO Pet Insurance review by Stephanie, Independence

⭐⭐⭐⭐⭐ – I have nothing but good things to say about FIGO and the ease of claims and reimbursement. Thank-you FIGO for being there. – FIGO Pet Insurance review by Glen

⭐⭐⭐⭐⭐ – Service from staff has been great, Only complaint: I’ve had this insurance for years and it was reasonable. Then FIGO switched providers in 2019 and the monthly fee doubled. Not such a great deal anymore. Can’t switch insurance because of pre-existing condition. – FIGO Pet Insurance review by Betty

⭐⭐⭐⭐⭐ – Excellent customer service. My claims took just a few hours to process. Top class platform. Transparent pricing. Can’t ask for more. Every pet owner should have a pet insurance and that too with Figo. – FIGO Pet Insurance review by Greg,

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