Figo vs. Pumpkin

Here is what makes Figo distinctive: it is the only carrier in the market that offers a 100% reimbursement tier. Every other major carrier — including Pumpkin — caps reimbursement at 90%. That 100% option means after deductible, you get the full vet bill back, which is genuinely unique. The trade-off is that 100% reimbursement runs the highest premium of any tier, so the math only works out if you expect to use the policy.

Figo also has the shortest accident waiting period in the industry at 1 day — cover effective the day after enrollment for accidents — and the Pet Cloud app handles claims, vet records, and a community feature that some owners find useful. Pumpkin's structural advantages are different: no separate orthopedic waiting period (Figo applies a 6-month cruciate wait), and PumpkinNow expedited reimbursement on $1,000+ emergency claims, which Figo does not match. Both carriers are A-rated. Figo is underwritten by Independence American Insurance Company (an IHC subsidiary), Pumpkin uses Crum & Forster — different paper, comparable financial backing.

My rule: if you want maximum reimbursement and the fastest accident wait, Figo. If you have a high-risk breed for joint issues or value PumpkinNow on emergencies, Pumpkin.