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

Thank you for visiting our guide to comparing FIGO and Prudent Pet. Below you’ll find a comparison of FIGO vs. Prudent Pet insurance 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 FIGO and Prudent Pet side by side, as well as other major pet insurers.

FIGO & Prudent Pet: A Complete Breakdown of Dog Insurance Plan Benefits 

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

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Common Questions About FIGO Vs. Prudent Pet

1. Coverage Amounts: FIGO Vs. Prudent Pet

Prudent Pet’s coverage either maxes out at $10,000 or is unlimited, and FIGO’s coverage either maxes out at $5,000 or is unlimited. Unlimited coverage sounds better, but it requires higher premiums. A $5,000 coverage may be preferable for younger, healthier dogs or routine, non-invasive treatments. $10,000 will cover most emergency procedures.

2. Multi-Pet Discounts: FIGO Vs. Prudent Pet

Both FIGO and Prudent Pet offer a discount for multiple pets, making either insurance a good choice for multi-pet parents looking to save. You may as well use the same company for all your animals, and this pet insurance plan feature lets you do that.

3. What are the Reimbursement Amounts for FIGO Vs. Prudent Pet?

Both of these insurers offer similar reimbursement options, with a slight difference. Prudent Pet will reimburse you for either 90%, 80%, or 70%. FIGO’s reimbursement options are 100%, 90%, 80%, or 70%. Remember: the higher your reimbursement percentage, the higher your premium will be. 

4. What is the Annual Deductible for FIGO Vs. Prudent Pet?

With Prudent Pet’s insurance, your deductible will be either $100, $250, $500, or $1,000. FIGO’s deductible options are similar, including $100, $250, $500, or $750. Note that the higher the deductible, the lower your premium will be. 

5. Does FIGO or Prudent Pet Offer a Wellness Plan for Preventative Care?

This category of comparison is pretty irrelevant, as neither FIGO nor Prudent Pet currently offers a wellness option. This would include things like crucial preventative care, vaccines, and dental, but wellness plans won’t cover emergencies, accidents, or pre-existing conditions.

6. Who is Cheaper: FIGO or Prudent Pet?

We found FIGO to offer just a slightly more affordable price in most cases. For our example quote, FIGO beat out Prudent Pet for a 1-year-old 30 lb mixed breed dog based on 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 FIGO or Prudent Pet is cheaper is to run a comparison quote here.

Who is Better, FIGO or Prudent Pet?

It’s a tough call between these two competitive pet insurance companies. Overall, in the FIGO vs. Prudent Pet insurance comparison, we give an edge to FIGO for their more affordable monthly pricing and similar coverage with more possibility of total reimbursement. Both companies are very reputable and popular with iHeartDogs readers, with FIGO receiving 4.2 out of 5 stars and Prudent Pet receiving 4.5 out of 5 stars.

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Compare FIGO and Prudent Pet Pricing and Benefits Below