Figo vs Healthy Paws: Which Has Better Coverage?

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Two puppies in field (caption: Figo vs Healthy Paws)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 and often price. We explain why we rank one better than the other below.

Visit Figo’s Website | Visit Healthy Paws’ Website

Policy Coverage

The table below shows specifically what Figo and Healthy Paws cover. Both companies cover blood tests, MRIs, rehabilitation, surgery, hospitalization, emergency care, specialty care, non-routine dental treatment, chronic conditions, hereditary conditions, congenital conditions, diagnostic treatment, alternative/holistic therapy and prescription medications.

 FigoHealthy Paws
Overall Ranking in our Pet Insurance Reviews3rd1st
Hip Dysplasia Waiting Period14 Days12 Months*
ACL Waiting Period6 Months15 Days
Pre-Existing Conditions
Check Ups, Vaccinations, Spay/Neuter, Teeth CleaningExtra Fee
Illnesses Waiting Period14 Days15 Days
Accidents Waiting Period3 Days15 Days
Exam FeesAdditional Premium
Enrollment Fee$9.00$25
30-Day Money Back GuaranteeCheckmarkCheckmark
Claim Limits$5,000 to UnlimitedUnlimited
BBB RatingB+A+
UnderwriterIndependence American Insurance CompanyWestchester Fire Insurance Company/Chubb
A.M. Best RatingA- A++
No Exam Required to Set Baseline for Pet's HealthCheckmark

*Healthy Paws only offers hip dysplasia coverage to dogs enrolled before the age of 6.

We like that Figo has a much shorter waiting period for hip dysplasia at only 14 days. However, its ACL waiting period is 6 months versus Healthy Paws’ 15-day waiting period. Figo also has a shorter accident waiting period at only 3 days (vs 15 days for Healthy Paws). Additionally, Healthy Paws doesn’t accept dogs older than 14 for coverage. Figo wins by a hair in this category because it has shorter waiting periods on average but still offers thorough coverage.Figo logo small

Policy Coverage Winner: Figo

Customer Service & Reputation

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

Healthy Paws has one of the best reputations in the pet insurance industry. The majority of Healthy Paws 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 Healthy Paws for these complaints because there are similar complaints about all pet insurance providers.

Instead, we hope to inform pet parents on the terms of pet insurance, so they fully understand what is and is not covered when they purchase. This is something we think all pet insurance providers can help with as well.

Healthy Paws, founded in 2009, has been around a few years longer than Figo (founded in 2012). During that time, Healthy Paws has been more stable with its underwriter and performance than Figo has. Figo’s most recent underwriter change was in December 2019. Underwriter changes can often result in premium changes, which results in an influx of negative feedback about a pet insurance company. We hope this is the last underwriter change at Figo for a while so they can establish a stable partnership and remain a reliable option for customers.

Similar to Healthy Paws, Figo has negative reviews regarding not paying claims. However, these are often claims for pre-existing conditions or wellness-related claims that pet insurance companies don’t cover to begin with (e.g., spaying/neutering, vaccines, etc.).

Figo still has great customer service and is responsive to its customers’ questions and needs. However, Healthy Paws has a better, longer-standing reputation.

Another reason we think Healthy Paws is the winner of this category because Healthy Paws leads pet insurance providers with positive changes. It’s continually leading the pack with exceptional customer service, coverage and claim coverage.

Healthy Paws logoCustomer Service & Reputation Winner: Healthy Paws

Timeliness Of Claim Repayment

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

Figo typically pays claims within 5 to 7 business days, while Healthy Paws pays 99% of its claims within 2 days — both of which are shorter than other competitors.

Both companies have a history of repaying 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 logoTimeliness of Claim Repayment Winner: Healthy Paws

Price Of Policy

Below are some quotes from June 10, 2020. All information is for pets without a microchip, no multi-pet discount and no pre-existing conditions.

 BreedBirthdayGenderLocationDeductibleReimbursement %Annual MaximumPrice Per Month
Healthy PawsYorkshire TerrierJune 2017MaleOhio (43205)$10080%Unlimited$33.52
FigoYorkshire TerrierJune 2017MaleOhio (43205)$10080%Unlimited$33.59
Healthy PawsYorkshire TerrierJune 2017MaleOhio (43205)$10090%Unlimited$41.88
FigoYorkshire TerrierJune 2017MaleOhio (43205)$10090%Unlimited$44.16
Healthy PawsLabrador RetrieverApril 2016FemaleCalifornia (90024)$25080%Unlimited$88.04
FigoLabrador RetrieverApril 2016FemaleCalifornia (90024)$25080%Unlimited$72.35
Healthy PawsMedium Mixed BreedJanuary 2014FemaleIllinois (60604)$50070%Unlimited$47.06
FigoMedium Mixed BreedJanuary 2014FemaleIllinois (60604)$50070%Unlimited$33.57
Healthy PawsAmerican Pit Bull TerrierSeptember 2017MaleNew York (10012)$50070%Unlimited$63.52
FigoAmerican Pit Bull TerrierSeptember 2017MaleNew York (10012)$50070%Unlimited$40.32

Dog laying next to money: (text in image: pricing winner)When we ran additional price quotes, Healthy Paws was consistently among the 4 least expensive, while Figo’s pricing was more sporadic. Depending on your pet, the quotes can be very similar or very different between these two companies.

Additionally, Figo requires a one-time fee of $9 as well as a $2 transaction fee per month, while Healthy Paws requires a one-time fee of $25 with no transaction fee.

Overall, Healthy Paws was most often among the lowest priced options, and it doesn’t require a monthly transaction fee, which can add up quickly in savings. We encourage you to run your own quotes to understand how the pricing stacks up for you and your pet.

Healthy Paws logoPrice of Policy Winner: Healthy Paws



Our readers have access to an exclusive 5% off a new Figo pet insurance policy - just use this link to get started.

Healthy Paws

Use this link and you will automatically receive up to a 5% discount. The actual discount varies based on individual state regulations. You can also visit our dedicated Healthy Paws promotions page to discuss current offers.

What’s The Verdict?

We think Figo and Healthy Paws are both excellent pet insurance providers. Ultimately, it comes down to Healthy Paws’ more established and consistent reputation as well as lower prices.

However, Figo is a company we recommend getting a quote from because it has comprehensive coverage and sometimes comes out with a lower price than other top pet insurance companies. You can learn more about Figo and Healthy Paws by reading our company reviews.

Healthy Paws logoOverall Winner: Healthy Paws

Do you have an experience with Figo or Healthy Paws you’d like to share?

About The Author:

Kimberly received her Bachelor of Arts in multimedia journalism from Simpson College. She has been writing about dogs since 2014, covering subjects such as dog insurance, training, health, accessories, and more. Her work has appeared in many notable brands, including The New York Times' Wirecutter, Reader's Digest, Forbes, People, Woman's World, and Huffington Post.

Kimberly's natural curiosity helps her research as she seeks the truth when learning about, comparing, and personally testing canine products and services. With every piece she writes, her goal is to help our readers find the best fit for their unique needs. Kimberly grew up in a family that loved Labrador Retrievers and remembers running and playing in the yard with them as a child.

In 2017, she and her husband adopted their Coonhound mix, Sally, from a local shelter. Kimberly’s research was put to good use since Sally faced some aggression issues with other dogs and needed some training to be an inside dog. She worked daily with Sally and sought help from professionals to help Sally become the happy pup she is today. One of Kimberly’s favorite pastimes is spoiling Sally with new toys, comfy beds, and yummy treats (she even makes homemade goodies for her). She tries to purchase the safest products for Sally and knows that each canine has their own specific likes and dislikes. Kimberly is passionate about dogs and knows the bond between humans and canines is like no other.

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