Figo vs Healthy Paws: Which Has Better Coverage?

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.

Figo and Healthy Paws are two of the most commonly discussed pet insurance providers, and we put them head to head and choose a clear winner.

While both companies offer thorough coverage, there’s a difference in their reputation, plan customization options, and often price. We explain why we rank one better than the other below.

Visit Figo’s Website | Visit Healthy Paws’ Website

FigoHealthy Paws
Policy CoverageExtensiveMore Limited
Customer Service & ReputationExcellent, StableExcellent, Stable
Claim Processing Average3 Days2 Days
Price Of PolicyLower On AverageHighly Variable
Plan CustomizationsMany OptionsRestricted Options
Overall WinnerBrown checkmark (Yes)Orange X (No or Not)
 Visit WebsiteVisit Website

Policy Coverage

Dog under covers (caption: Policy Coverage Winner)

The table below shows specifically what Figo and Healthy Paws 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.

FigoHealthy Paws
Illness Waiting Period14 Days15 Days
Accident Waiting Period1 Day15 Days
Hip Dysplasia Waiting Period*6 Months12 Months
CCL Surgery Waiting Period6 Months15 Days
Behavioral TherapiesBrown checkmark (Yes)Orange X (No or Not)
Alternative/Holistic TherapyBrown checkmark (Yes)Orange X (No or Not)
Wellness Care For An Extra FeeBrown checkmark (Yes)Orange X (No or Not)
Exam FeesExtra FeeOrange X (No or Not)
UnderwriterIndependence American Insurance Company (IAIC)
Markel American Insurance Company
Markel Insurance Company
Westchester Fire Insurance Company/Chubb
A.M. Best RatingA-
A
A
A++

*Healthy Paws only offers hip dysplasia coverage to dogs enrolled before the age of six.

Figo offers shorter waiting periods for illnesses, accidents, and hip dysplasia. It also has more thorough coverage than Healthy Paws offers. Additionally, Figo’s underwriters have A- and A ratings by A.M. Best (a measurement of financial stability) while Healthy Paws’ is A++, both are good signs.

Another key deciding factor for you may be the age restrictions attached to Healthy Paws, which doesn’t enroll pets older than 14 years old. Additionally, Healthy Paws will not enroll pets older than four years old in New York state. And if you choose to enroll your pet with Healthy Paws after their sixth birthday, you’ll notice plan customization restrictions and exclusions for hip dysplasia coverage.

Figo wins in this category because it provides extensive coverage with shorter waiting periods on average and accepts pets of all ages.

FIGO logo small

Policy Coverage Winner: Figo

Customer Service & Reputation

Person holding phone next to dog: Customer Service & Reputation Winner

Figo and Healthy Paws have some of the best reputations in the pet insurance industry. The majority of customer complaints are from customers who, unfortunately, didn’t read or understand their policy.

Complaints include the company not paying a claim during a waiting period, not paying as much of a claim due to the deductible and reimbursement level selected, not covering pre-existing conditions, etc. We can’t fault Figo and Healthy Paws for these complaints because there are similar complaints about all pet insurance providers.

To avoid this disconnect, we aim to educate pet parents on all the ins and outs of pet insurance before they purchase. Then, should an emergency arise, they fully understand what is not covered by their policy.

Figo & Healthy Paws logos

Customer Service & Reputation Winner: Figo & Healthy Paws (Tie)

Claim Processing

Doctor's office papers, pen and stethoscope (text in image: claim repayment winner)

Figo averages a three-day claim process, with about 50% closed within 24 hours. On the other hand, Healthy Paws pays most of its claims within two days — among the fastest of all the companies we review.

Both companies have a history of processing claims in a timely fashion, with Healthy Paws having a slightly better reputation. So we declare Healthy Paws the winner of this category.

Healthy Paws logo with tagline

Claim Processing Winner: Healthy Paws

Price Of Policy

Dog laying next to money: (text in image: pricing winner)

Healthy Paws requires a one-time fee of $25 with no transaction fee, while Figo has a $15 one-time fee and a $2 transaction fee per month, but this can be waived if you pay annually.

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. Then use our pet insurance quote form to see how other top companies compare for your beloved pet.

Figo almost always came out less expensive than Healthy Paws 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. To see more quote examples, take a look at our pet insurance comparison page.

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

Coupons

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. You can also visit our dedicated Figo promotions page to learn more.

Healthy Paws

Use this link to take advantage of the best possible price and get a quote for your pet from Healthy Paws. You can also visit our dedicated Healthy Paws promotions page to learn more.

Plan Customization

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

Figo gives you a lot of flexibility when building your plan and has no age restrictions. They offer a variety of annual payout options: $5,000, $10,000, or unlimited. You can also choose from many deductible options ($100, $250, $500, and $750) as well as reimbursement selections (70%, 80%, 90%, and 100%). With more customization options comes a greater range of premium prices to fit every budget. 

Figo is one of the only providers we’ve reviewed to offer a 100% reimbursement option. But please know that not all of these deductible and reimbursement options are available in every state.

While Healthy Paws has unlimited claims for all plans, they do have some restrictions on reimbursement and annual deductible amounts, depending on your pet’s age at enrollment.

  • Dogs and cats 5 years and under:
    • 90%, 80%, and 70% reimbursement
    • $100, $250, and $500 deductible
  • Dogs and cats 6 and 7 years old:
    • 80%, 70%, or 60% reimbursement
    • $250, $500, or $750 deductible
  • Dogs 8 years and older: 
    • 50% or 60% reimbursement
    • $750 or $1,000 deductible

Figo ultimately comes out on top because of greater flexibility to build your plan for your budget, no matter your pet’s age. They also offer a unique 100% reimbursement option.

FIGO logo small

Plan Customization Winner: Figo

What’s The Verdict?

We think Figo and Healthy Paws are both excellent pet insurance providers. Ultimately, it comes down to Figo’s exceptional coverage with shorter-than-average waiting periods, highly competitive pricing, and a greater variety of plan customization options for pets of all ages. If you didn’t find what you were looking for, our experts have gone in-depth with individual reviews of Figo and Healthy Paws so you can expand your comparison.

FIGO logo small

Overall Winner: Figo

Our experts have spent hundreds of hours researching to bring you our comprehensive pet insurance reviews, including our top picks as well as details on each of the most popular pet insurance companies.

If you prefer to see winners by category, we award the best price, multiple pets, 100% reimbursement, unlimited payouts, and “best for” categories, including puppies, older dogs, dental, wellness coverage, bilateral conditions, behavioral therapy, and more in our best pet insurance comparison. You’ll even see winners for exotic pets and cats.

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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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