Fetch by The Dodo vs Figo: Choose The Best Pet Insurance For Your Dog

This content was reviewed by our licensed insurance agent, Michelle Schenker.

To keep the lights on, we receive affiliate commissions via some of our links. Our review process.

Bulldog and a Pitbull dog staring off edge of a dock into the water

Fetch by The Dodo and Figo offer some of the most extensive coverage in the pet insurance industry. Fetch offers unique coverage for things like advertising and paying a reward for a stolen or lost pet as well as virtual vet visits up to $1,000. Meanwhile, Figo’s prices are often hard to beat. So, which one will cover what you need and fit into your budget the best?

We compare coverage, customer service and reputation, claim processing, customizations, and prices and explain which company we think is better for each of these factors. But keep in mind that every pet and budget are different, so we recommend getting quotes from multiple companies to ensure you get the best value for your unique situation.

Visit Fetch’s Website | Visit Figo’s Website

Policy CoverageExtensiveExtensive
Customer Service & ReputationUncertain, NewExcellent, Stable
Claim Processing Average12-22 Days3 Days
Average Policy PriceHighly VariableLower On Average
Plan CustomizationsMany OptionsMany Options
Overall Winner
Visit WebsiteVisit Website

Policy Coverage

Dog under covers (Caption: Policy Coverage Winner)

The table below shows what Fetch and Figo cover. Both companies cover emergency care, surgery and hospitalization, specialized exams and specialty care, X-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, cancer, chronic conditions, euthanasia, hereditary conditions, congenital conditions, non-routine dental treatment, and prescription medications. Neither covers pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures.

Illness Waiting Period*15 Days14 Days
Accident Waiting Period*15 Days1 Day
Hip Dysplasia Waiting Period*6 Months6 Months
CCL Surgery Waiting Period*6 Months6 Months
Behavioral TherapiesBrown checkmark (Yes)Brown checkmark (Yes)
Alternative/Holistic TherapyBrown checkmark (Yes)Brown checkmark (Yes)
Wellness Care For An Extra FeeOrange X (No or Not)Brown checkmark (Yes)
Exam FeesBrown checkmark (Yes)Extra Fee
UnderwriterXL Specialty Insurance Company
AXIS Insurance Company
Independence American Insurance Company (IAIC)
Markel American Insurance Company
Markel Insurance Company
A.M. Best Rating (Financial Stability)A+

*Waiting periods for Maine are as follows:

  • Accidents - 0 days
  • Illnesses - 14 days
  • Cruciate Ligament Conditions - 30 days
  • Routine Care - 0 days

Both Fetch and Figo deliver excellent coverage. The most significant difference is that Figo offers optional wellness coverage and Fetch doesn’t. So, if wellness coverage is a must for you, then Figo is more in line with your needs.

Another thing that may make Figo more enticing to you is that the waiting periods for both accidents and illnesses are shorter than Fetch.

Fetch pets must be six weeks or older to enroll, while Figo requires at least seven weeks of age. Neither company has maximum age restrictions.

FIGO logo small

Figo wins this category because of its optional wellness coverage and shorter waiting periods. However, we think Fetch’s coverage is extensive as well.

Policy Coverage Winner: Figo

Customer Service & Reputation

Fetch previously paid a licensing fee to sell its product under a different brand name. During that time, it underwent underwriter changes that resulted in premium increases and upset customers. It’s common for prices to fluctuate when an underwriter change occurs, so this isn’t unusual. Time passed, and the company bounced back, but at the beginning of 2022, it rebranded as Fetch by The Dodo. We will be interested to see how the rebranding impacts new and current customers, especially when it comes to renewal prices.

Person holding phone next to dog (Caption: Customer Service Winner)

As for Figo, it has negative reviews regarding unpaid claims. However, they are often due to pre-existing conditions or wellness-related concerns that the policy doesn’t cover. This is why you should read your pet insurance policy entirely, so you understand what is and isn’t covered, ideally before you buy. Figo still has excellent customer service reviews and is responsive to its customers’ needs.

FIGO logo small

Overall, Fetch has experienced more change in recent years than Figo, which is why we feel Figo offers a more stable experience when it comes to customer service and reputation.

Customer Service & Reputation Winner: Figo

Claim Processing

Doctor's office papers (Caption: Claim Repayment Winner)

Fetch allows up to 30 days for claim processing, but they average 22 days. However, if you opt for direct deposit, they may get your money back to you 5-10 days sooner. Fetch used to have a shorter claim processing average (around five days) but, like many other businesses, is experiencing delays due to COVID-19.

Figo’s claim processing is much faster with an average of three days, and about 50% are closed within 24 hours. This is among the shortest of all the pet insurance companies we review.

FIGO logo small

Because Figo has a much shorter claim processing period and is more consistent with reimbursement timing, it’s the winner in this category.

Claim Processing Winner: Figo

Price Of Policy

Dog lying next to money (Caption: Pricing Winner)

Fetch has no enrollment or transaction fees. On the other hand, Figo has a $15 one-time enrollment fee and a $2 transaction fee each month if you select to pay your premium on a monthly basis.

Your premium price quote is based on your pet’s details (age, breed, location, etc.). We recommend obtaining quotes from each company for your specific pet. You can also visit our pet insurance comparison quotes to see a few sample prices we’ve gathered. 

Figo almost always came out less expensive than Fetch in the quotes we’ve run. However, remember that it’s always best to get quotes for your specific dog to compare what pet insurance could cost for you. You can use our pet insurance quote form to get multiple company quotes when you complete this one-quick form.

Additionally, both companies have annual deductibles, which is important if your pet experiences multiple accidents or illnesses during the policy period (one year).

FIGO logo small

Price Of Policy Winner: Figo



Fetch offers the following discounts:

  • Up to 10% off for animal shelter adoptees and employees, corporate benefit plans, medical services pets, strategic partners, military, veterinary staff, and students
  • 15% off for each consecutive 12-month period without a claim
  • 10% off premiums for Walmart shoppers
  • Save $25 or more when you pay quarterly or annually
  • 10% off for AARP members for life

No promo code is needed. Use this link to take advantage of the best possible price. Alternatively, call 800-237-1123. You can also visit our dedicated Fetch promotions page to learn more.


Figo offers the following discounts:

  • 5% off any new Figo pet insurance policy (exclusive for Canine Journal readers – use this link)
  • 5% off for multiple pets
  • Your deductible automatically goes down $50 each year you don’t receive a claim payment

No promo code is needed. Use this link to take advantage of the best possible price. You can also visit our dedicated Figo promotions page to learn more.

Plan Customization

Several types of dogs sitting together (Caption: Plan Customization Winner)

Finding a company with the coverage you need that fits your budget is essential. Look below to see what plan options are offered by each provider.

Deductible Options$300, $500, $700$100, $250, $500, $750
Payout Options$5,000, $10,000, $15,000$5,000, $10,000, Unlimited
Reimbursement Options70%, 80%, 90%70%, 80%, 90%, 100%
FIGO logo small

Both companies offer multiple plan customizations to help you find the perfect coverage to fit your budget. However, Figo is one of the only providers to offer 100% reimbursement as an option. We think this unique option pushes Figo slightly ahead as the winner for this category.

Plan Customization Winner: Figo 

What’s The Verdict?

FIGO logo small

Overall, Figo wins this comparison against Fetch due to its thorough coverage, consistent reputation, speedy claim processing, lower average prices, and customization options. If you didn’t find what you were looking for, our experts dig deeper into each in our company reviews of Fetch and Figo.

Overall Winner: Figo 

Our experts have spent thousands of hours researching to bring you our comprehensive and frequently updated pet insurance reviews, including our top picks, along with details on each of the most popular pet insurance companies. So, if you want to know how other providers compare against one another, you may find this review helpful in your pet insurance search.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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