What’s The Difference Between Pets Best & FIGO Pet Insurance Plans?

Thank you for visiting our guide to comparing FIGO and Pets Best. Below you’ll find a comparison of plan rates, multi-pet discounts, wellness plans, coverage amounts, and more.

Remember that the easiest way to shop for pet insurance is using a tool such as this to compare pet insurance plans from all the major pet insurance companies at once. With this tool, you can compare rates from Pets Best and FIGO side by side, as well as other major pet insurers.

Pets Best & FIGO: A Complete Breakdown of Dog Insurance Plan Benefits

The comparison below will show you the pet insurance plan features of Pets Best and FIGO, as well as many of the other top pet insurance brands.

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Free Side by Side Quote Comparison Between FIGO and Pets Best

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Common Questions About Pets Best Vs. FIGO

Coverage Amounts: Pets Best vs. FIGO

Both Pets Best and FIGO allow you to choose plans with unlimited coverage or a $5,000 cap. Of course, unlimited coverage provides the ultimate financial protection, but a plan with a coverage cap will save you money on your monthly premium.

Multi-Pet Discounts: Pets Best vs. FIGO

FIGO and Pets Best are alike in the fact they both offer a multi-pet discount, so you can cover the entire furry family and only pay one monthly premium. This discount for multiple pets means simplification when seeking insurance for all your dogs and cats.

What are the Reimbursement Amounts for FIGO vs. Pets Best?

Pets Best’s reimbursement options are 90%, 80%, or 70%. FIGO offers an extra choice with 100%, 90%, 80%, or 70% reimbursement options. And here’s something to remember, the higher your reimbursement amount, the higher your premium.

What is the Annual Deductible for FIGO vs. Pets Best?

FIGO’s deductible options are $100, $250, $500, or $750. Pets Best offers a wider range of choices with options of  $50, $100, $200, $250, $500, or $1,000. Another thought to keep in mind when choosing coverage—the higher the deductible, the lower your premium will be.

Does Pets Best or FIGO Offer a Wellness Plan for Preventative Care?

Pets Best does offer a wellness option for preventative care like annual exams, dental screenings, and vaccines. At this time, FIGO does not, but even without it, having pet insurance will help save you big when illness or injury strikes.

Who is Cheaper: Pets Best or FIGO?

When comparing both companies’ quotes for plans that include unlimited coverage and plans with an annual cap, Pets Best comes in with a lower monthly premium for both options. For our example quote, we compared FIGO and Pets Best prices based on a 1-year-old 30lb. mixed-breed dog living in Texas zip code 75001. However, keep in mind that your location, dog’s age, breed, gender, and other factors significantly affect your pricing. The best way to know whether Pets Best or FIGO is cheaper is to run a comparison quote here.

The Bottom Line: Who is Better, Pets Best or FIGO?

Pet’s Best and FIGO offer such comparable options, choosing a winner is tough. But in this comparison, we give the edge to Pet’s Best thanks to their lower prices and wellness plan options. FIGO has its perks, too, namely the option to choose between unlimited annual coverage and a coverage cap that allows for lower premiums. Both companies are very reputable and popular with iHeartDogs readers, with FIGO receiving 4.2 out of 5 stars and Pets Best receiving 4.3 out of 5 stars.

Frequently Asked Questions About Pets Best vs. FIGO Pet Insurance

Which is better: Pets Best or FIGO Pet Insurance?
Both providers have unique strengths. Pets Best offers more customizable coverage options and has a longer-standing reputation. FIGO, on the other hand, stands out with its tech-forward approach and 24/7 virtual vet support. The “better” choice depends on your pet’s needs and your budget preferences.

What are the main differences between Pets Best and FIGO?
Pets Best typically offers more flexibility in annual limits, deductibles, and reimbursement rates. FIGO provides fewer plan customization options but includes modern digital tools like the FIGO Pet Cloud, which allows easy claim submission and access to a virtual vet.

Which provider is more affordable: Pets Best or FIGO?
Pets Best tends to have slightly lower monthly premiums, especially for accident-only plans or younger pets. FIGO’s pricing may be higher, but it often includes more built-in services like telehealth, which could save money in other areas.

Does FIGO or Pets Best cover routine wellness care?
Both providers offer wellness add-ons for preventive care like vaccinations, flea control, and annual exams. However, these are not included in the standard policies and must be purchased separately.

How do Pets Best and FIGO handle claim reimbursements?
Pets Best typically reimburses within 5–7 days and allows direct deposit or checks. FIGO’s digital system may offer quicker processing in some cases, with many users reporting reimbursements in as little as 3–5 days.

Are pre-existing conditions covered by Pets Best or FIGO?
Neither company covers pre-existing conditions, which is standard in the industry. However, FIGO may offer more flexibility in evaluating certain conditions as “curable” after a symptom-free period.

Which pet insurance company offers better customer service?
FIGO receives high marks for its modern, app-based customer experience and 24/7 vet chat. Pets Best also has reliable customer support but lacks the same level of digital engagement. The better option may depend on whether you prefer app-based tools or traditional customer service methods.

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Compare FIGO and Pets Best Pricing and Benefits Below