Petplan VS. Figo Comparison

Petplan vs Figo: A Comparison 2021

One in three pets needs unexpected veterinary care each year, which can be incredibly expensive. Fortunately, there are many providers of excellent pet insurance.

Our Review Method

We’re going to compare two providers: Petplan and Figo. We’ll look in-depth at both and give them a score for multiple categories.

Petplan

Figo

Coverage

5

4

Costs

3.5

4

Plans

4.5

4

Customer service

5

5

Overall Winner

18

17

Petplan has the highest overall score from us, but that doesn’t mean that you should automatically choose them over Figo. Please read more about both plans before you decide on the coverage for your pet. Both plans have different features and benefits.

PetplanPetPlan comparation

Petplan has been described as the most comprehensive coverage on the market today. It costs around $35 for dogs and $25 for cats per month. 

Pro's

  • No sign-up costs - you can take your pet to any registered vet in the US or Canada and the plan will cover a range of conditions that other companies don’t.

Con's

  • No coverage for vaccinations, pregnancy, and euthanasia.

Coverage:

  • Two different policies:12-month plan and lifetime coverage.
  • Dogs, cats, rabbits, and horses.
  • Comprehensive dental coverage for all teeth (not just canines)
  • Treatment for breed-specific conditions.
  • Injuries and illnesses
  • Payment for death from illness or injury
  • Veterinary examination fees
  • Prescription medications
  • Diagnostic tests
  • Imaging and ultrasound
  • Virtual pet visits
  • Emergency and specialist vets
  • Cancer treatment
  • Surgery and rehabilitation
  • Hydrotherapy
  • Acupuncture
  • Chiropractic care
  • Behavioral therapy
  • Third-party liability for dogs
  • Missing pet payment
  • Legal helpline on Ultimate coverage

Costs:

  • No sign-up fee or frills and one simple plan
  • A consultation fee includes exam fees which can save you from $50 to $250 per visit
  • Up to 90% of your veterinary bill paid

Costs vary depending on the following factors: pet’s age, breed, where you live, and which coverage is chosen

  • Discounts for multiple pets
  • 30-day money-back guarantee
  • Annual coverage limits from $5K to $15K to no limits

Customer service:

  • Easy submission of claims: just take a photo of the vet bill and send it
  • You can pay the vet directly
  • A track record of being paid back within one business day
  • 97% of claims are paid
  • No penalty for making a claim
  • Live chat

You may also like the following comparison: PetPlan VS HealthyPaws

  

Figo

Figo Logo

Figo is an innovative company that recognizes all registered vets, emergency hospitals, and specialists in the US, Canada, and Puerto Rico. 

Pro's

  • Different communication platforms: text, Twitter, Facebook, email, and calls, as well as a Pet Cloud, where you can communicate with other pet owners.

Con's

  • Doesn’t cover diagnostics or treatment of parasites and no coverage for preventative care.

Coverage:

  • Only covers dogs and cats
  •  and injuries
  • Hereditary and congenital conditions
  • Chronic conditions
  • Behavioral issues (although this is limited in some states)
  • Dental care (only in some states)
  • Virtual visits
  • Diagnostic tests, including radiology and lab tests
  • Surgery, emergency services, and hospitalization
  • Specialized care
  • Prescription medications
  • Emergency services
  • Alternative therapies
  • End of life services (limited in some states)

Costs:

  • Sick visit exam fees are an optional add-on
  • Discounts for multiple pets (this varies by state)
  • Annual coverage limits from $5K for the Essential plan to $10K to no limits for the Preferred and Ultimate plans
  • Money-back guarantee within 30 days
  • Up to 100% reimbursement costs depending on plan

Customer Service:

  • Accessible customer service agents over a few platform options
  • Pet cloud social networking
  • Reminders for scheduled visits
  • Live vet which can be accessed from an app 24/7

You may also like the following comparison: Figo VS PetsBest

Petplan vs Figo Comparison Chart

Service

Petplan

Figo

Animals covered

5

3

Coverage type

4

3.5

Costs

4

4

Waiting periods

5

4

Network size

5

4

Annual limits

5

4

Deductibles

4

4

Customer service

4

5

Additional services

4

5

Overall Score

40

36.5

Our Honest Opinion About Petplan

Petplan has the best coverage overall and many benefits, apart from routine preventative care. Payment is easy and quick and can be refunded within one business day. The plans are simple and there are no hidden costs, with vet visits included.

Still Not Sure Which Plan To Choose?

Choosing pet insurance isn’t easy, but it’s an important decision to look after our pets as well as we can. It’s a good idea to do as many comparisons of providers as you can. We suggest that you go to our pet insurance comparisons page as well.