Figo Vs. PetsBest Compsrison

Figo vs. Pets Best - Making the Pawfect Choice

The four-pawed members of your family also deserve quality medical insurance. I’ve put Figo and Pets Best, two pet insurance companies, under the proverbial microscope and evaluated them to help you determine which coverage option will be the best for your furry loved ones.

Our review method

I’ve completed an in-depth analysis of Pets Best and Figo. Let’s take a look at the core components that each pet insurance company offers and how they compare.

Overall Winner

Scoring for each category is on a scale of one to five.

Pets Best

Figo

Coverage

5

4

Costs

3

4

Plans

4

3

Customer service

3

5

Overall Winner

3.75

4


Please note that the needs of every pet differ. Not every pet owner will have the same criteria when choosing a pet insurance company. Even though Figo scored slightly higher, you may place more importance on a specific feature that received a higher rating for the Pets Best pet insurance company. Read further for more detailed information.

Petsbest

Pro's

  • Flexible and varied coverage
  • Coverage includes routine care (wellness plans)
  • 24/7 pet helpline
  • Own choice of veterinarian, specialist, and emergency clinic
  • Quick processing of claims

Con's

  • Only covers up to 90% of unexpected vet costs
  • Pre-existing conditions not included
  • Excludes prescription medication

Now, let’s look at some other important criteria.

Coverage

Basic Coverage

  • Alternative therapies
  • Rehabilitation
  • Surgery
  • Injuries
  • Accidents
  • Veterinary exam fees
  • Diagnostic tests
  • Cancer treatments
  • Non-routine dental treatments
  • Prescription medication
  • Illness
  • Virtual vet visits
  • Acupuncture
  • Imaging and ultrasound
  • Hydrotherapy
  • Emergency and specialist vets
  • Chiropractic care

Optional Coverage

  • Vacation cancellation
  • Behavioral therapies
  • Loss due to theft or straying
  • Boarding kennel fees
  • Death from injury or illness
  • Reward and advertising

Not Covered

  • Cosmetic procedures
  • Liability coverage
  • Pre-existing conditions
  • Routine check-ups
  • Wellness care

Costs 

Dogs

  • Lameness cost: $966 - Insurance cost: $197
  • Allergies cost: $777 - Insurance cost: $178
  • Foreign body ingestion cost: $1,755 - Insurance cost: $276
  • Cruciate injuries cost: $3,480 - Insurance cost: $448
  • Neoplasia cost: $2,033 - Insurance cost: $304

Cats

  • Kidney disorders cost: $1,571 - Insurance cost: $389
  • Periodontal disease cost: $846 - Insurance cost: $185
  • Diabetes mellitus cost: $1,786 - Insurance cost: $369
  • Cystic calculi cost: $1,599 - Insurance cost: $379
  • Neoplasia cost: $2,033 - Insurance cost: $564
  • Hyperthyroidism cost: $838 - Insurance cost: $238

Customer service

  • Reliable pet insurance provider
  • Dedicated to helping pets throughout their life regardless of age
  • The mobile app makes it simple for you to claim
  • One of the world’s leading pet insurance providers
  • Visit any licensed vet in the United States or Canada
  • Chronic and hereditary conditions included
  • No signup fees, no add-ons

You may also like the following comparison: Figo VS PetPlan

   

Embrace

Embrace Pet Insurance Logo

Pro's

  • Coverage amounts are up to you
  • It lasts a lifetime unless you change the policy
  • Coverage for chronic conditions and alternative therapies
  • All breeds of cats and dogs accepted

Con's

  • Insurance does not become effective immediately
  • Only pets aged 14 or younger accepted

Let’s review some other pertinent parameters.

Coverage

Basic Coverage

  • Cancer
  • Chronic conditions
  • Exam fees
  • Behavioral therapy
  • Congenital conditions
  • Breed-specific conditions
  • Diagnostic testing
  • Genetic conditions
  • Surgery
  • Hospitalization
  • Dental illnesses

Optional Coverage

  • Prescription drug coverage
  • Alternative therapies

Not Covered

  • Pre-existing medical conditions or illnesses
  • Breeding or pregnancy
  • DNA testing or cloning
  • Stem cell therapy that isn’t considered medically necessary
  • Cosmetic procedures such as ear cropping, tail docking, or declawing unless a veterinarian considers it medically necessary
  • Injuries related to fighting, cruelty, neglect, or racing
  • Routine veterinary care procedures such as dental cleaning

Costs

Dog

  • Dog hit by car cost: $8,527 - Insurance cost: $1,303
  • Dysplasia cost: $4,580 - Insurance cost: $ $1,741
  • Grape intoxication cost: $1,658 - Insurance cost: $492
  • Cruciate ligament tear cost: $5,550 - Insurance cost: $1,590

Cat

  • Broken leg cost: $4,061 - Insurance cost: $1,194
  • Chronic GI problems cost: $3,103 - Insurance cost: $1,182
  • Foreign object interaction cost: $5,648 - Insurance cost: $1,290
  • Fibrosarcoma cost: $7,161 - Insurance cost: $1,752

Customer service 

  • Simple online signup process 
  • Good customer service reviews 
  • Great claim payment history

Specialties listed as “pet health insurance, cat insurance, pet insurance, dog insurance, pet actuary, and veterinary insurance”

You may also like the following comparison: PetBest VS PetPlan

Petplan vs. Embrace Comparison Chart

Service

Petplan

Embrace

Animals covered

Dogs and Cats

Dogs and Cats

Coverage type

Comprehensive

Comprehensive

Costs

  • $35/month for dogs

  • $25/month for cats

These prices are average and vary based on factors like breed and age

  • $30-$40/month for dogs
  • $15-$20/month for cats

These prices are average and vary based on factors like breed, age, and customization

Waiting periods

15 days for illnesses, accidents, and orthopaedic issues

14 days for illnesses

48 hours for accidents

6 months for orthopaedic issues

Network size

All veterinarians in the United States and Canada

More limited

Annual limits

No limit

$30,000

Deductibles

Deductibles can be anywhere from $200 to $2,500

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

Maximum pet age

None

14 years

Reimbursement amounts

Reimbursement ranges from 70% to 90% of the total veterinary bill

70%, 80%, or 90%

Customer service

1.888.682.1012, toll-free, 24 hours a day

Phone, mail, chat, and a 24/7 helpline

Additional services

Comprehensive dental protection

Coverage for alternative and holistic veterinarians

Our Honest Opinion about Petplan

My family recently brought a German shepherd puppy into our home—she’s now five months old. Through researching and writing this article, I’m convinced that we need to cover her through Petplan without delay. The resultant peace of mind is going to be worth every dollar.

Still Not Sure Which One to Choose?

If you’re still unsure which pet insurance is best for your loyal and loving companion (or “child”), please feel free to visit our pet insurance comparisons pages, where you can look for a better-suited provider.