Head-to-Head Comparison
Figo vs. MetLife
100% reimbursement and 1-day accident wait vs. zero-day coverage and Family Plans
Our Verdict
Figo wins on the headline coverage features — the 100% reimbursement option is rare and the 1-day accident wait is the shortest available outside MetLife's zero-day rule. MetLife wins on financial scale, multi-pet structure, and ultimately a slightly faster accident-coverage start.
Which One Is Right For You?
Real-world scenarios where Figo or MetLife comes out ahead, based on the categories where each wins.
If…
You want maximum reimbursement on every covered claim with zero coinsurance after the deductible
Choose
Figo— the 100% reimbursement option is the only way to eliminate coinsurance entirely
If…
You just adopted a new puppy or kitten and want accident coverage to start the same day
Choose
MetLife— the zero-day accident waiting period beats Figo's 1-day window for first-day emergencies
If…
You're insuring multiple pets and want a single shared deductible across the household
Choose
MetLife— the Family Plan bundles up to three pets under one annual deductible
If…
You want one policy that covers routine care like annual exams, vaccinations, and dental cleanings
Choose
MetLife— its wellness coverage handles routine care; Figo offers no wellness option at all
If…
You manage your pet's health entirely from your phone and want the best app experience
Choose
Figo— the Pet Cloud app is consistently rated the best in pet insurance
Frequently Asked Questions
Real answers comparing Figo and MetLife on the questions buyers actually ask.
Figo
3.9/5
100% reimbursement and tech-forward experience
MetLife
4.2/5
Family plans and zero-day accident coverage
Category-by-Category Breakdown
Accident Waiting Period
Figo
1 day (injuries), 5 days (cruciate)
MetLife
None (midnight ET day one)
MetLife covers accidents from the moment the policy is effective; Figo's 1-day window still beats almost everyone else.
Reimbursement Options
Figo
70%, 80%, 90%, 100%
MetLife
50%, 70%, 80%, 90%
Figo's 100% reimbursement option is rare in the industry — MetLife caps at 90%.
Wellness Coverage
Figo
Not available
MetLife
Optional Preventive Care add-on
MetLife offers a wellness add-on; Figo does not cover routine care at all.
Multi-Pet Structure
Figo
5% multi-pet discount
MetLife
5% Family Plan + shared deductible up to 3 pets
Same headline discount, but MetLife adds a single shared deductible across all pets in the Family Plan.
Diminishing Deductible
Figo
Not offered
MetLife
$50/year claim-free reduction
MetLife reduces your deductible by $50 each claim-free year — Figo has no equivalent feature.
Mobile App Quality
Figo
Pet Cloud (industry-leading)
MetLife
MetLife Pet app (functional)
Figo's Pet Cloud app includes claim tracking, vet finder, lost-pet alerts, and document storage.
Financial Backing
Figo
Independence American (A- AM Best)
MetLife
MetLife (A+ AM Best, $700B+ assets)
MetLife's Fortune 100 balance sheet dwarfs Figo's underwriter for long-term claims confidence.
Expert Take
Mike
Licensed Insurance Professional (AAI, PRC, SBCS, CCIC)
Both of these carriers compete for the same buyer — pet owners who want fast coverage and meaningful customization — but they do it from opposite ends of the company spectrum. Figo is a tech-forward 2012 startup with the best app in the industry (Pet Cloud) and a 100% reimbursement option that almost nobody else offers. MetLife is a 165-year-old Fortune 100 insurer with the deepest balance sheet in pet insurance and a zero-day accident waiting period that beats Figo's 1-day window by 24 hours. That sounds trivial, but I have had clients file accident claims on day one with MetLife that Figo would have rejected.
Where Figo earns my recommendation is the 100% reimbursement tier — for a pet owner who can absorb a higher premium in exchange for zero coinsurance after the deductible, Figo is the only path. MetLife caps at 90%. The Pet Cloud app is also genuinely better than MetLife's claims interface. But for multi-pet households, MetLife's Family Plan and shared deductible tilt the math.
For single-pet owners who want maximum reimbursement, Figo. For everyone else, MetLife.
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