Paw Protect vs Figo

Paw Protect vs Figo: Verdict

There are several similarities between Paw Protect and Figo. With both, you have to pay any covered 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:

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-up5 years accident and illnessNo 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 claims process is pretty standard in the industry: you pay the covered vet bill up-front, and then claim it back – minus your deductible and copay.

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.