Head-to-Head Comparison
Healthy Paws vs. Figo
Unlimited coverage leader vs. 100% reimbursement innovator
Last updated: March 2026 | Compared by Mike (AAI, PRC, SBCS, CCIC)
Our Verdict
Healthy Paws wins on track record and financial stability. Figo wins for pet owners who want 100% reimbursement and the shortest accident waiting period in the industry.
Healthy Paws
4.5/5
Unlimited coverage with no payout caps
Figo
3.9/5
100% reimbursement and tech-forward experience
Category-by-Category Breakdown
Coverage Limits
Healthy Paws
Unlimited
Figo
$5K–Unlimited
Both offer unlimited coverage options.
Reimbursement Options
Healthy Paws
70%, 80%, 90%
Figo
70%, 80%, 90%, 100%
Figo's 100% reimbursement option is rare and eliminates all out-of-pocket costs after deductible.
Accident Waiting Period
Healthy Paws
15 days
Figo
1 day
Figo's 1-day accident waiting period is the shortest in the industry.
Claims Speed
Healthy Paws
2–10 days
Figo
3–10 days
Healthy Paws edges out Figo slightly on average claims processing time.
Financial Stability
Healthy Paws
Chubb (A+ AM Best)
Figo
Independence American (A- AM Best)
Chubb's A+ rating and $200B+ assets provide superior financial backing.
Track Record
Healthy Paws
Since 2009
Figo
Since 2012
Healthy Paws has a longer, more established track record.
Mobile App
Healthy Paws
Good
Figo
Excellent (Pet Cloud)
Figo's Pet Cloud app is consistently rated as one of the best in the industry.
Get Your Free Quote
See how much you could save with our top-rated carrier.
Get a Free Healthy Paws Quote