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:
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 options | 70%, 80%, 90% | 70%, 80%, 90%, 100% |
Illness coverage start | 14 days | 1 day accident, 14 days illness |
Maximum age at sign-up | Coverage (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 |