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Paw Protect vs Figo

Paw Protect vs Figo: Verdict

There is one major difference between Paw Protect and Figo, and that’s how claims are paid. Paw Protect has the ability to help you pay vet bills upfront by sending you the money for covered claims directly to your bank account. With Figo, you have to pay any covered vet bill out of your own pocket and then claim the money back, minus your deductible and copay. 

Both insurers offer a 24/7 pet telehealth line, wellness plans, and short waiting times for accident coverage. They also cover behavioral treatment.

Here’s how they stack up:

PawFigo
Can pay vet bills upfront
Annual coverage options$5000, $10,000, Unlimited$5,000, $10,000, Unlimited
Deductible options$100, $250, $500$100, $250, $500, $750, $1,000, $1,500
Reimbursement options70%, 80%, 90%70%, 80%, 90%, 100%
Illness coverage start14 days1 day accident,
14 days illness
Maximum age at sign-upCoverage (14 years) and Accident only (14+ years)No maximum
Vet exam fees included
Dental accidents covered
Dental illness covered
Wellness plan offered
24/7 Telehealth
End of life coverage included
10% Multi-pet discount
Military discount

Information correct as of May 2023

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Paw Protect vs Figo: Claims process

Paw Protect has come up with an ingenious solution to the problem many pet parents have, which is having to find the money to pay a large vet bill upfront before waiting for reimbursement.

When you’re at the vet and you receive the bill for your covered claim, you just call Paw Protect. The team can approve the claim and then immediately send the money to your bank account, so you can pay the bill without having to use your savings or putting it on a credit card. All you have to do is cover your out-of-pocket expenses.

Figo’s claims process is pretty standard in the industry: you pay the covered vet bill up-front, and then claim it back – minus your deductible and copay. Figo needs to review your pet’s full medical history before processing your first claim, which is done online via the Figo Pet Cloud, and it also subtracts its copay before removing your deductible.

Beagle