Paw Protect vs Figo

Paw Protect vs Figo: Verdict

The biggest difference between Paw Protect and Figo is Paw Protect offers customers an optional $2,000 interest-free line of credit to help pay vet bills* up-front, through a virtual Visa card from Paytient.

With Figo, you have to pay the vet bill out of your own pocket and then claim the money back, minus your deductible and copay. 

Both insurers offer a 24/7 pet telehealth line, wellness plans, and short waiting times for accident coverage. They also cover behavioral treatment.

Here’s how they stack up:

Pet insurance without paying vet bills* up-front
Annual coverage options$5000, $10,000, Unlimited$5,000, $10,000, Unlimited
Deductible options$100, $250, $500$100, $250, $500, $750, $1,000, $1,500
Reimbursement options70%, 80%, 90%70%, 80%, 90%, 100%
Coverage start14 days1 day accident,
14 days illness
Maximum age at sign-up14 years accident and illness,
15+ accident only
No maximum
Vet exam fees included
Dental accidents covered
Dental illness covered
Wellness plan offered
24/7 Telehealth
End of life coverage included
10% Multi-pet discount
Military discount

Information correct as of May 2023

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Paw Protect vs Figo: Claims process

Paw Protect’s optional $2,000 interest-free line of credit means when you pay a vet bill* of $2,000 or less (most claims are less than $2,000), you don’t need to tap into your bank account to pay the bill up-front. 

  • Use your virtual Paytient Visa card, accepted at any US vet*
  • The claims process is simple, like regular insurance
  • Submit the claim paperwork via our app, online, by email or through the mail
  • Use your reimbursement to pay down your Paytient balance and pay off any remaining out-of-pocket costs over up to 12 months interest free

Figo needs to review your pet’s full medical history before processing your first claim, which is done online via the Figo Pet Cloud.

Figo also subtracts its copay before removing your deductible, while Paw Protect removes your deductible first.