Figo vs Healthy Paws

FIGO vs Healthy Paws

FIGO
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General info
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General info
Coverage Type
Covered Pets
Reimbursement Rate
Annual Coverage Limit
Annual Deductible
Enrollment Age (Dog)
Enrollment Age (Cat)
Health Questionnaire
Claim Reimbursement Time
General info
Coverage Type
Covered Pets
Reimbursement Rate
Annual Coverage Limit
Annual Deductible
Enrollment Age (Dog)
Enrollment Age (Cat)
Health Questionnaire
Claim Reimbursement Time
Routine care
Emergency Visits
Regular Vet Visits
Specialist Consultations
Medication
Hospitalization & surgery
Hospitalization
Ambulance Services
Surgery
Lab care & imaging
Imaging
Lab Tests
Radiotherapy
Dentition
Dental Care
Teeth Cleaning
Prevention & specific care
Vaccinations
Anti-Parasitics
Neutering (Dog)
Neutering (Cat)
Identification
Additional guarantees
Lifetime Coverage
Waiting Period (Accident)
Waiting Period (Illness)
Hygiene
Alternative Therapies
Foreign Care
Death
Cremation
Euthanasia
Loss/Theft
Boarding Fees
Figo - Figo - Figo Pet Insurance Plan
FigoFigo Pet Insurance Plan
Healthy Paws - Healthy Paws - Healthy Paws Pet Insurance Plan
Healthy PawsHealthy Paws Pet Insurance Plan
Accident & Illness
Dogs & Cats
Variable — up to 100%
Variable
Variable — decreasing $50/yr if claim-free
N/A
N.C.
N.C.
Up to 30 days
Accident & Illness
Dogs & Cats
Variable — up to 100%
Variable
Variable — decreasing $50/yr if claim-free
N/A
N.C.
N.C.
Up to 30 days
Covered
Not covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Accident/pain only
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Yes
1 day
14 days
Not covered
Not covered
Covered worldwide
Not covered
Not covered
Covered
Not covered
Not covered
Illness & Accident
Dogs & Cats
N/A
No annual limit
Customizable
N/A
N.C.
Clinical exam required
2-3 days typical
Illness & Accident
Dogs & Cats
N/A
No annual limit
Customizable
N/A
N.C.
Clinical exam required
2-3 days typical
Covered
Not covered
N.C.
Covered
Covered
N.C.
Covered
Covered
Covered
N.C.
Not covered, except injury
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Yes
15 days
15 days
Not covered
N.C.
Temporary Canada only
Not covered
Not covered
Covered
Not covered
Not covered
Figo
Figo Pet Insurance Plan
Healthy Paws
Healthy Paws Pet Insurance Plan
Coverage Type
Accident & Illness
Illness & Accident
Covered Pets
Dogs & Cats
Dogs & Cats
Reimbursement Rate
Variable — up to 100%
N/A
Annual Coverage Limit
Variable
No annual limit
Annual Deductible
Variable — decreasing $50/yr if claim-free
Customizable
Enrollment Age (Dog)
N/A
N/A
Enrollment Age (Cat)
N.C.
N.C.
Health Questionnaire
N.C.
Clinical exam required
Claim Reimbursement Time
Up to 30 days
2-3 days typical
Emergency Visits
Covered
Covered
Regular Vet Visits
Not covered
Not covered
Specialist Consultations
Covered
N.C.
Medication
Covered
Covered
Hospitalization
Covered
Covered
Ambulance Services
Covered
N.C.
Surgery
Covered
Covered
Imaging
Covered
Covered
Lab Tests
Covered
Covered
Radiotherapy
Covered
N.C.
Dental Care
Accident/pain only
Not covered, except injury
Teeth Cleaning
Not covered
Not covered
Vaccinations
Not covered
Not covered
Anti-Parasitics
Not covered
Not covered
Neutering (Dog)
Not covered
Not covered
Neutering (Cat)
Not covered
Not covered
Identification
Not covered
Not covered
Lifetime Coverage
Yes
Yes
Waiting Period (Accident)
1 day
15 days
Waiting Period (Illness)
14 days
15 days
Hygiene
Not covered
Not covered
Alternative Therapies
Not covered
N.C.
Foreign Care
Covered worldwide
Temporary Canada only
Death
Not covered
Not covered
Cremation
Not covered
Not covered
Euthanasia
Covered
Covered
Loss/Theft
Not covered
Not covered
Boarding Fees
Not covered
Not covered

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Jordan Mitchell
Jordan Mitchell
Personal finance editor
HelloSafe
Jordan is a U.S.-based personal finance editor with over a decade of experience in financial literacy and consumer advocacy. He holds a BA in Economics from the University of California, Berkeley, and a CFP® certification. Before joining HelloSafe, Jordan worked as a financial advisor and later as lead content strategist at several fintech startups. His mission: making money management clear, relatable, and empowering for everyday Americans. At HelloSafe, he writes in-depth guides on topics like insurance, credit, loans, savings, and budgeting—focused on helping readers make smart, confident financial choices.

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