Figo vs Pets Best: 2025 Pet Insurance Comparison

Overview of Figo and Pets Best

As pet ownership continues to grow, so does the need for reliable pet insurance. Two popular choices among pet owners are Figo and Pets Best. Both companies offer comprehensive coverage plans, but they have distinct differences that may influence your decision. In this post, we will explore the features, benefits, and limitations of each to help you make an informed choice for your furry friend.

Coverage Options

Figo Pet Insurance

Figo offers three main plans: Essential, Preferred, and Ultimate. These plans cover accidents, illnesses, hereditary conditions, and more. What sets Figo apart is its optional coverage for veterinary exam fees, which can be beneficial for regular check-ups and diagnostics. Additionally, Figo provides a 100% reimbursement option, which is rare in the pet insurance industry.

Pets Best Insurance

Pets Best also provides a variety of plans, including accident-only and comprehensive accident and illness coverage. They offer wellness coverage as an add-on for routine care like vaccinations and dental cleanings. Pets Best is known for its customizable plans, allowing you to choose reimbursement levels and annual limits that best suit your budget.

Pricing and Discounts

Pricing is a critical factor when choosing pet insurance. Figo's premiums tend to be slightly higher than those of Pets Best, primarily due to their extensive coverage options and higher reimbursement rates. However, Figo offers several discounts, including those for multiple pets and military personnel.

On the other hand, Pets Best is often praised for its competitive pricing and flexible payment options. They also provide discounts for insuring multiple pets, making it a cost-effective choice for households with more than one animal.

Customer Service Experience

Customer service can make or break your experience with a pet insurance provider. Figo is renowned for its user-friendly mobile app that allows policyholders to manage claims, access pet health records, and contact customer support easily. Their fast claim processing times are an added advantage.

Pets Best also boasts excellent customer service with its 24/7 helpline, ensuring you can get help whenever needed. Their online portal simplifies the process of filing claims and managing your policy. Both companies have generally positive reviews from customers regarding their support services.

Claim Process and Reimbursement

Both Figo and Pets Best are committed to swift claim processing. Figo's app allows for rapid claim submissions, often resulting in reimbursements within a few days. Their transparency in claim status updates is particularly appreciated by users.

Pets Best offers direct deposit options for quick reimbursements and claims are typically processed within 5-7 business days. Their straightforward online system makes it easy to track the progress of your claim.

Final Thoughts

Choosing between Figo and Pets Best depends largely on what you prioritize in a pet insurance plan. If maximum coverage and higher reimbursement rates are your top concerns, Figo might be the better option. However, if you seek affordability and flexible plan options, Pets Best could be the ideal choice.

Ultimately, both insurers have strengths that make them attractive choices. Consider your pet's specific needs, your budget, and any additional services you might require when making your decision.