Fetch Pet Insurance vs. Figo: A 2025 Comparison

Introduction to Pet Insurance

The importance of having pet insurance has been increasingly recognized by pet owners worldwide. With veterinary costs on the rise, having reliable insurance can be a financial lifesaver. In 2025, two major players in the pet insurance industry are Fetch Pet Insurance and Figo Pet Insurance. This comparison will help you decide which one might be the better fit for your furry family member.

Coverage Options

Fetch Pet Insurance Coverage

Fetch offers comprehensive coverage that includes accidents, illnesses, and even some hereditary conditions. They also cover dental diseases, which is a significant benefit as dental treatments can be quite expensive. Additionally, Fetch provides coverage for alternative therapies like acupuncture and chiropractic care.

Figo Pet Insurance Coverage

Figo also offers robust coverage options. They cover accidents and illnesses, similar to Fetch, but have a unique feature known as the 'Extra Care Pack.' This includes coverage for end-of-life expenses and vacation cancellation costs if your pet falls ill. Figo is also known for its flexibility in choosing coverage limits and deductibles.

Customer Service and Accessibility

When it comes to customer service, both Fetch and Figo strive to provide excellent support. Fetch is known for its responsive customer service team available via phone, email, and chat. They also have an easy-to-navigate website where policyholders can manage their accounts and claims.

Figo, on the other hand, offers a unique experience with their Pet Cloud app. This app provides 24/7 access to a live vet, which is a standout feature for tech-savvy pet owners. Figo's platform is designed to be user-friendly and offers policy management on the go.

Pricing and Discounts

Fetch Pricing Structure

Fetch's pricing is competitive and varies based on factors such as the breed, age, and location of your pet. They offer a 10% discount for policyholders insuring multiple pets, making it an attractive option for households with more than one furry friend.

Figo Pricing Structure

Figo's pricing is also determined by similar factors as Fetch. However, Figo offers a unique discount to military members and veterans, which can be an appealing consideration for those who qualify. Their flexible deductible options allow you to tailor your plan to fit your budget.

Exclusions and Limitations

Both Fetch and Figo have exclusions common in pet insurance policies, such as pre-existing conditions and cosmetic procedures. It’s crucial to read through the policy details carefully to understand what is not covered before making a decision.

Fetch has a waiting period for certain conditions, such as cruciate ligament injuries, while Figo's waiting periods are generally shorter. Understanding these details can help prevent surprises when you need to file a claim.

Conclusion: Which Is Right for You?

Choosing between Fetch Pet Insurance and Figo Pet Insurance depends largely on your specific needs and preferences. Fetch might appeal to those looking for comprehensive coverage including alternative therapies, while Figo’s advanced digital tools and flexible options might attract tech enthusiasts or those looking for unique benefits like the Extra Care Pack.

Ultimately, both offer strong coverage options and excellent customer service. Carefully consider the factors that matter most to you and your pet to make an informed decision in 2025.