Head-to-Head Comparison
Healthy Paws vs. Figo
Unlimited coverage leader vs. 100% reimbursement innovator
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.
Expert Take
Mike
Licensed Insurance Professional (AAI, PRC, SBCS, CCIC)
Figo made waves by offering 100% reimbursement options and a strong mobile app experience. But the carrier has gone through ownership changes (acquired by Hartville in 2022), which always gives me pause in insurance. Healthy Paws has been consistent since 2009 with the same unlimited coverage structure.
Figo's 100% reimbursement sounds appealing, but it comes with higher premiums and lower annual limits ($10K–$60K) compared to Healthy Paws' unlimited payouts. Figo's 1-day accident waiting period is the shortest in the industry, which is a genuine advantage. Their Pet Cloud app is well-designed for claims management.
But when I look at the total package — unlimited coverage, Chubb backing, 15-year track record — Healthy Paws is the stronger long-term bet. Figo is worth considering if 100% reimbursement and the shortest possible waiting period are your top priorities.
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