FIGO vs Spot Pet Insurance
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
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%
Custom per policy
up to $1,000
From 8 weeks
From 8 weeks
N.C.
~2 business days
Accident & Illness
Dogs & Cats
Up to 90%
Custom per policy
up to $1,000
From 8 weeks
From 8 weeks
N.C.
~2 business days
Covered
Not covered
Covered
Covered
Covered
N.C.
Covered
Covered
Covered
Covered
Covered
Not covered
Not covered
Not covered
Not covered
Not covered
Microchip implantation covered
Yes
14 days
14 days
Not covered
Covered
USA, Canada, territories only
Not covered
Covered
Covered
Not covered
Not covered
Accident Only
Dogs & Cats
N/A
N/A
N/A
From 8 weeks
From 8 weeks
No
~2 business days
Accident Only
Dogs & Cats
N/A
N/A
N/A
From 8 weeks
From 8 weeks
No
~2 business days
Yes
No
Yes
Yes
Yes
N.C.
Yes
Yes
Yes
N.C.
Extractions
No
No
No
No
No
Microchip only
Yes
14 days
N.C.
No
Yes
USA, Canada only
No
Yes
Yes
No
No
Preventive care
Dog, Cat
Actual cost up to annual limit
$50–$100/act
N/A
8 weeks min
8 weeks min
N.C.
N.C.
Preventive care
Dog, Cat
Actual cost up to annual limit
$50–$100/act
N/A
8 weeks min
8 weeks min
N.C.
N.C.
N.C.
$50/year
N.C.
N.C.
N.C.
N.C.
N.C.
N.C.
$20/year
N.C.
$100/year
$100/year
$20/year/vaccine
$20/year
N.C.
N.C.
N.C.
N.C.
N.C.
N.C.
N.C.
N.C.
N.C.
N.C.
N.C.
N.C.
N.C.
N.C.
Preventive Care Option
Dogs and Cats
N/A
Per-act limits
None
From 8 weeks
From 8 weeks
None required
N.C.
Preventive Care Option
Dogs and Cats
N/A
Per-act limits
None
From 8 weeks
From 8 weeks
None required
N.C.
Not covered
Annual wellness exam covered
Not covered
Not covered
Not covered
Not covered
Spay/Neuter covered
Not covered
Several covered
Not covered
Dental cleaning covered
Covered
Multiple vaccines covered
Tick, flea, heartworm prevention
Covered
Covered
Not covered
N.C.
None
None
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Figo Figo Pet Insurance Plan | Spot Accident & Illness Plan | Spot Accident-Only Plan | Spot Preventive Care Gold | Spot Preventive Care Platinum | |
|---|---|---|---|---|---|
Coverage Type | Accident & Illness | Accident & Illness | Accident Only | Preventive care | Preventive Care Option |
Covered Pets | Dogs & Cats | Dogs & Cats | Dogs & Cats | Dog, Cat | Dogs and Cats |
Reimbursement Rate | Variable — up to 100% | Up to 90% | N/A | Actual cost up to annual limit | N/A |
Annual Coverage Limit | Variable | Custom per policy | N/A | $50–$100/act | Per-act limits |
Annual Deductible | Variable — decreasing $50/yr if claim-free | up to $1,000 | N/A | N/A | None |
Enrollment Age (Dog) | N/A | From 8 weeks | From 8 weeks | 8 weeks min | From 8 weeks |
Enrollment Age (Cat) | N.C. | From 8 weeks | From 8 weeks | 8 weeks min | From 8 weeks |
Health Questionnaire | N.C. | N.C. | No | N.C. | None required |
Claim Reimbursement Time | Up to 30 days | ~2 business days | ~2 business days | N.C. | N.C. |
Emergency Visits | Covered | Covered | Yes | N.C. | Not covered |
Regular Vet Visits | Not covered | Not covered | No | $50/year | Annual wellness exam covered |
Specialist Consultations | Covered | Covered | Yes | N.C. | Not covered |
Medication | Covered | Covered | Yes | N.C. | Not covered |
Hospitalization | Covered | Covered | Yes | N.C. | Not covered |
Ambulance Services | Covered | N.C. | N.C. | N.C. | Not covered |
Surgery | Covered | Covered | Yes | N.C. | Spay/Neuter covered |
Imaging | Covered | Covered | Yes | N.C. | Not covered |
Lab Tests | Covered | Covered | Yes | $20/year | Several covered |
Radiotherapy | Covered | Covered | N.C. | N.C. | Not covered |
Dental Care | Accident/pain only | Covered | Extractions | $100/year | Dental cleaning covered |
Teeth Cleaning | Not covered | Not covered | No | $100/year | Covered |
Vaccinations | Not covered | Not covered | No | $20/year/vaccine | Multiple vaccines covered |
Anti-Parasitics | Not covered | Not covered | No | $20/year | Tick, flea, heartworm prevention |
Neutering (Dog) | Not covered | Not covered | No | N.C. | Covered |
Neutering (Cat) | Not covered | Not covered | No | N.C. | Covered |
Identification | Not covered | Microchip implantation covered | Microchip only | N.C. | Not covered |
Lifetime Coverage | Yes | Yes | Yes | N.C. | N.C. |
Waiting Period (Accident) | 1 day | 14 days | 14 days | N.C. | None |
Waiting Period (Illness) | 14 days | 14 days | N.C. | N.C. | None |
Hygiene | Not covered | Not covered | No | N.C. | Not covered |
Alternative Therapies | Not covered | Covered | Yes | N.C. | Not covered |
Foreign Care | Covered worldwide | USA, Canada, territories only | USA, Canada only | N.C. | Not covered |
Death | Not covered | Not covered | No | N.C. | Not covered |
Cremation | Not covered | Covered | Yes | N.C. | Not covered |
Euthanasia | Covered | Covered | Yes | N.C. | Not covered |
Loss/Theft | Not covered | Not covered | No | N.C. | Not covered |
Boarding Fees | Not covered | Not covered | No | N.C. | Not covered |
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Jordan Mitchell
Personal finance editor
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.
