Pet Insurance

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

50

Last Updated: April 30, 2024 | 4 min read | Leave a Comment

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

When you purchase through links on our site, we may earn a commission. Here’s how it works.

Fetch 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.

FetchFigo
Policy CoverageExtensiveExtensive
Customer Service & ReputationGoodExcellent, Stable
Claim Processing Average5-6 Days3 Days
Average Policy PriceVariableLower
Plan Customization OptionsManyMany
Overall Winner
Get Fetch QuoteGet Figo Quote
Compare QuotesCompare Quotes

Policy Coverage

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.

FetchFigo
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 FeeBrown checkmark (Yes)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+
A
A-
A
A

*Waiting periods for California, Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, and Washington 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 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.

Fetch offers some bonus coverage that isn’t commonly covered by other insurers, including virtual vet visits up to $1,000 per policy period.

Fetch wins this category because of its bonus coverage but if you need shorter waiting periods, you may consider Figo.

Customer Service & Reputation

Customer Service & Reputation Winner

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 Pet Insurance. It didn’t take long for Fetch to bounce back again after the rebranding, which is impressive.

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.

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.

Claim Processing

Claim Processing Winner

Fetch allows up to 30 days for claim processing, but they average 5-6 days.

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.

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

Price Of Policy

Price Of Policy 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).

Discounts

Fetch

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
  • 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.

Figo

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.

Plan Customization

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.

FetchFigo
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%

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.

What’s The Verdict?

Overall Winner

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.

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.

Tagged With: ,

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.

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.

Subscribe
Notify of
0 Comments
Inline Feedbacks
View all comments
Scroll to Top