Taking care of your furry friends is important, and picking the right pet insurance is a big decision. With so many choices out there, it can feel confusing to find the best one for your pet. In this article, we’ll look at two popular pet insurance companies: Healthy Paws Pet Insurance and Figo Pet Insurance. Whether you have a playful dog or a curious cat, this guide will help you choose the right option.
What We’ll Cover:
- Ratings and Customer Feedback
- Pros and Cons
- Maximum Enrollment Age
- Money-Back Guarantee
- Coverage and Exclusions
- Rates and Affordability
- Restrictions and Waiting Periods
- Pet Insurance Plan Options
- Best Pet Insurance for You?
Which Pet Insurance is Best for You?
Both Healthy Paws and Figo offer excellent pet insurance options. Here’s a quick rundown of who should choose each:
Choose Healthy Paws If:
- You want unlimited coverage with simple and straightforward plans.
- You prefer fast claims processing and a no-frills policy.
- You don’t need wellness or routine care coverage.
Choose Figo If:
- You want a tech-savvy insurance platform with app-based claims and telehealth access.
- You prefer customizable plans, including wellness care add-ons.
- You need a multi-pet discount.
Restrictions and Waiting Periods: Healthy Paws vs. Figo
| Feature | Healthy Paws Pet Insurance | Figo Pet Insurance |
|---|---|---|
| Waiting Period (Accidents) | 15 days | 2 days |
| Waiting Period (Illnesses) | 15 days | 14 days |
| Waiting Period (Orthopedic) | 12 months for hip dysplasia | 6 months for cruciate ligament injuries |
| Enrollment Age Limit | Up to 14 years | No age limit |
Comparison Table: Healthy Paws vs. Figo Pet Insurance
| Feature | Healthy Paws Pet Insurance | Figo Pet Insurance |
|---|---|---|
| Monthly Premium (Dogs) | Starting at $30 | Starting at $20 |
| Monthly Premium (Cats) | Starting at $20 | Starting at $15 |
| Deductible | $100 to $750 | $100 to $500 |
| Reimbursement Percentage | 70%, 80%, or 90% | 70%, 80%, or 90% |
| Annual Coverage Limit | Unlimited | $5,000 to $100,000 (customizable) |
| Waiting Period (Accidents) | 15 days | 2 days |
| Waiting Period (Illnesses) | 15 days | 14 days |
| Enrollment Age Limit | Up to 14 years | No age limit |
| Additional Features | No wellness care coverage | Wellness care add-on, telehealth access |
| Wellness Care Add-On | Not available | Available |
| Pre-Existing Condition Coverage | Not covered | Not covered |
| Multi-Pet Discount | No | Yes |
| Total Reviews | 4.6/5 (Trustpilot) | 4.4/5 (Trustpilot) |
| Emergency Care | Covered | Covered |
| Accidents | Covered | Covered |
| Illnesses | Covered | Covered |
| Cancer Coverage | Covered | Covered |
| Orthopedic Issues | Covered (with restrictions) | Covered (with restrictions) |
Pros of Healthy Paws vs. Figo Pet Insurance :-
| Feature | Healthy Paws Pet Insurance | Figo Pet Insurance |
|---|---|---|
| Unlimited Coverage | Offers unlimited lifetime coverage. | Customizable annual coverage limits (up to $100,000). |
| Claims Processing | Fast claims processing with reimbursement in a few days. | Quick claims processing via app and online. |
| Affordability | Affordable premiums with no increase at renewal. | Competitive pricing with flexible plan options. |
| Reimbursement Options | Offers 70%, 80%, or 90% reimbursement options. | Offers 70%, 80%, or 90% reimbursement options. |
| No Waiting Period for Accidents | No waiting period for accidents. | Short 2-day waiting period for accidents. |
| Emergency Care | Coverage includes emergency care. | Emergency care is covered under most plans. |
| Simple Plans | Simple and straightforward plans without add-ons. | Customizable plans, including wellness care. |
Cons of Healthy Paws vs. Figo Pet Insurance:-
| Feature | Healthy Paws Pet Insurance | Figo Pet Insurance |
|---|---|---|
| Add-Ons | No wellness care or routine care coverage. | Wellness care is an additional add-on. |
| Pre-Existing Conditions | Does not cover pre-existing conditions. | Does not cover pre-existing conditions. |
| Orthopedic Restrictions | 12-month waiting period for hip dysplasia in pets under 6 years. | 6-month waiting period for cruciate ligament injuries. |
| Limited Customization | Limited plan options (no wellness or routine care). | Plans can be complex due to customizable options. |
| Multi-Pet Discounts | No multi-pet discount. | Multi-pet discounts available. |
Compare Pet Insurance Companies :-
Pricing Plan with Coverage Details for Dogs:-
For the most accurate pricing, it’s best to request a personalized quote directly from Healthy Paws & Figo.
| Breed | Healthy Paws Pricing | Healthy Paws Coverage | Figo Pricing | Figo Coverage |
|---|---|---|---|---|
| Small Breeds (e.g., Dachshunds) | $30/month | Accidents, Illnesses, Surgery, Cancer, Orthopedic Issues (with restrictions) | $25/month | Accidents, Illnesses, Surgery, Cancer, Orthopedic Issues (with restrictions) |
| Medium Breeds (e.g., Beagles) | $35/month | Accidents, Illnesses, Surgery, Cancer, Orthopedic Issues (with restrictions) | $30/month | Accidents, Illnesses, Surgery, Cancer, Orthopedic Issues (with restrictions) |
| Large Breeds (e.g., Retrievers) | $45/month | Accidents, Illnesses, Surgery, Cancer, Orthopedic Issues (with restrictions) | $40/month | Accidents, Illnesses, Surgery, Cancer, Orthopedic Issues (with restrictions) |
| Giant Breeds (e.g., Great Danes) | $60/month | Accidents, Illnesses, Surgery, Cancer, Orthopedic Issues (with restrictions) | $50/month | Accidents, Illnesses, Surgery, Cancer, Orthopedic Issues (with restrictions) |
Pricing can vary based on the breed, age, and location of your pet. Here’s an estimate of premiums for different dog breeds.
Pricing Plan with Coverage Details for Cats:-
| Breed | Healthy Paws Pricing | Healthy Paws Coverage | Figo Pricing | Figo Coverage |
|---|---|---|---|---|
| Domestic Shorthair | $20/month | Accidents, Illnesses, Surgery, Cancer, Orthopedic Issues (with restrictions) | $15/month | Accidents, Illnesses, Surgery, Cancer, Orthopedic Issues (with restrictions) |
| Siamese | $25/month | Accidents, Illnesses, Surgery, Cancer, Orthopedic Issues (with restrictions) | $20/month | Accidents, Illnesses, Surgery, Cancer, Orthopedic Issues (with restrictions) |
| Maine Coon | $35/month | Accidents, Illnesses, Surgery, Cancer, Orthopedic Issues (with restrictions) | $25/month | Accidents, Illnesses, Surgery, Cancer, Orthopedic Issues (with restrictions) |
| Persian | $30/month | Accidents, Illnesses, Surgery, Cancer, Orthopedic Issues (with restrictions) | $20/month | Accidents, Illnesses, Surgery, Cancer, Orthopedic Issues (with restrictions) |
Pricing can vary based on the breed, age, and location of your pet. Here’s an estimate of premiums for different cat breeds.
Money-Back Guarantee: Healthy Paws vs. Figo
Both Healthy Paws and Figo offer a 30-day money-back guarantee. If you’re not satisfied with your policy within the first 30 days and haven’t filed any claims, you can cancel and receive a full refund. This ensures that you can try out the insurance without worrying about being stuck with a plan that isn’t a good fit for your pet.
Conclusion: Which Pet Insurance is Best for You?
Both Healthy Paws and Figo offer excellent pet insurance options. Here’s a quick rundown of who should choose each:
Choose Healthy Paws If:
- You want unlimited coverage with simple and straightforward plans.
- You prefer fast claims processing and a no-frills policy.
- You don’t need wellness or routine care coverage.
Choose Figo If:
- You want a tech-savvy insurance platform with app-based claims and telehealth access.
- You prefer customizable plans, including wellness care add-ons.
- You need a multi-pet discount.
Ultimately, the best pet insurance for your furry friend depends on your priorities, whether it’s affordability, comprehensive coverage, or extra features like wellness care and telehealth. Whichever provider you choose, both Healthy Paws and Figo offer solid protection to ensure your pet gets the care they deserve.