Figo vs Fetch

FIGO vs Fetch

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
Fetch - Fetch - Fetch Pet Insurance
FetchFetch Pet Insurance
Fetch - Fetch - AARP Pet Insurance by Fetch
FetchAARP Pet Insurance by Fetch
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
Accident & Illness
Dogs & Cats
Up to 90%
From $5,000 to unlimited
Between $250 and $1,000
From 6 weeks
From 6 weeks
N.C.
As fast as 2 days
Accident & Illness
Dogs & Cats
Up to 90%
From $5,000 to unlimited
Between $250 and $1,000
From 6 weeks
From 6 weeks
N.C.
As fast as 2 days
Covered
Annual health check required
Covered
Covered
Covered
N.C.
Covered
Covered
Covered
N.C.
Full dental illness/accident
Not covered
Not covered
Not covered
Not covered
Not covered
N.C.
N.C.
5 days
15 days
Not covered
Covered
Covered
Covered
N.C.
Not covered
Covered
Covered
Accidents & illnesses
Dogs & cats
70%, 80%, or 90%
$10,000 or unlimited
$200, $350, or $500
Min 6 weeks, no max
Min 6 weeks, no max
Veterinary exam required
Avg 6 days (max 30)
Accidents & illnesses
Dogs & cats
70%, 80%, or 90%
$10,000 or unlimited
$200, $350, or $500
Min 6 weeks, no max
Min 6 weeks, no max
Veterinary exam required
Avg 6 days (max 30)
Included
Included
Included
Prescribed meds & supplements covered
Included
N.C.
Included
Included
Included
N.C.
Included
Covered in wellness add-on
Wellness add-on only
Not covered
Wellness add-on only
Wellness add-on only
N.C.
N.C.
15 days
15 days
Not covered
Included
N.C.
Included
N.C.
Included
Included
Included
Figo
Figo Pet Insurance Plan
Fetch
Fetch Pet Insurance
Fetch
AARP Pet Insurance by Fetch
Coverage Type
Accident & Illness
Accident & Illness
Accidents & illnesses
Covered Pets
Dogs & Cats
Dogs & Cats
Dogs & cats
Reimbursement Rate
Variable — up to 100%
Up to 90%
70%, 80%, or 90%
Annual Coverage Limit
Variable
From $5,000 to unlimited
$10,000 or unlimited
Annual Deductible
Variable — decreasing $50/yr if claim-free
Between $250 and $1,000
$200, $350, or $500
Enrollment Age (Dog)
N/A
From 6 weeks
Min 6 weeks, no max
Enrollment Age (Cat)
N.C.
From 6 weeks
Min 6 weeks, no max
Health Questionnaire
N.C.
N.C.
Veterinary exam required
Claim Reimbursement Time
Up to 30 days
As fast as 2 days
Avg 6 days (max 30)
Emergency Visits
Covered
Covered
Included
Regular Vet Visits
Not covered
Annual health check required
Included
Specialist Consultations
Covered
Covered
Included
Medication
Covered
Covered
Prescribed meds & supplements covered
Hospitalization
Covered
Covered
Included
Ambulance Services
Covered
N.C.
N.C.
Surgery
Covered
Covered
Included
Imaging
Covered
Covered
Included
Lab Tests
Covered
Covered
Included
Radiotherapy
Covered
N.C.
N.C.
Dental Care
Accident/pain only
Full dental illness/accident
Included
Teeth Cleaning
Not covered
Not covered
Covered in wellness add-on
Vaccinations
Not covered
Not covered
Wellness add-on only
Anti-Parasitics
Not covered
Not covered
Not covered
Neutering (Dog)
Not covered
Not covered
Wellness add-on only
Neutering (Cat)
Not covered
Not covered
Wellness add-on only
Identification
Not covered
N.C.
N.C.
Lifetime Coverage
Yes
N.C.
N.C.
Waiting Period (Accident)
1 day
5 days
15 days
Waiting Period (Illness)
14 days
15 days
15 days
Hygiene
Not covered
Not covered
Not covered
Alternative Therapies
Not covered
Covered
Included
Foreign Care
Covered worldwide
Covered
N.C.
Death
Not covered
Covered
Included
Cremation
Not covered
N.C.
N.C.
Euthanasia
Covered
Not covered
Included
Loss/Theft
Not covered
Covered
Included
Boarding Fees
Not covered
Covered
Included

Still unsure which pet insurance is right for you? Compare the top providers in the U.S. and find the perfect plan for your furry friend.

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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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