Pets Best vs. Figo (2026) — Side-by-Side Comparison | VETX

Pets Best vs. Figo: Vet-founded value leader vs. tech-forward innovator. Head-to-head coverage, cost & claims analysis.

Pets Best vs. Figo — Side-by-Side Comparison by VETX.

Vet-founded value leader vs. tech-forward innovator

Pets Best: 4/5 | Figo: 3.9/5

Category Breakdown

Coverage Limits: Pets Best = $5K–Unlimited, Figo = $5K–Unlimited. Winner: Figo. Both offer the same range of coverage limits including unlimited.

Reimbursement Options: Pets Best = 70%, 80%, 90%, Figo = 70%, 80%, 90%, 100%. Winner: Figo. Figo's 100% reimbursement option eliminates all out-of-pocket costs after deductible.

Deductible Options: Pets Best = $50–$500, Figo = $100–$1,500. Winner: Pets Best. Pets Best's $50 deductible is the lowest in the industry.

Accident Waiting Period: Pets Best = 3 days, Figo = 1 day. Winner: Figo. Figo's 1-day waiting period beats Pets Best's 3 days.

Wellness Coverage: Pets Best = Optional add-on, Figo = Not available. Winner: Pets Best. Pets Best offers wellness coverage; Figo does not.

Monthly Premiums: Pets Best = $18–$65, Figo = $20–$80. Winner: Pets Best. Pets Best premiums are generally lower across all tiers.

Mobile App: Pets Best = Good, Figo = Excellent (Pet Cloud). Winner: Figo. Figo's Pet Cloud app is industry-leading for policy and claims management.

Verdict

Pets Best wins on value with the industry's lowest deductible ($50) and wellness coverage. Figo wins on reimbursement (100% option) and the shortest accident waiting period (1 day).

Frequently Asked Questions

Q: Which has better coverage limits, Pets Best or Figo?

A: Both carriers are competitive on coverage limits — Pets Best offers $5K–Unlimited while Figo offers $5K–Unlimited. Both offer the same range of coverage limits including unlimited. For most pet owners, either option provides adequate catastrophic protection.

Q: Which offers better reimbursement options, Pets Best or Figo?

A: Figo has the better reimbursement structure. Pets Best offers 70%, 80%, 90% and Figo offers 70%, 80%, 90%, 100%. Figo's 100% reimbursement option eliminates all out-of-pocket costs after deductible.

Q: Which has a better deductible structure, Pets Best or Figo?

A: Pets Best has the more favorable deductible structure. Pets Best uses $50–$500 while Figo uses $100–$1,500. Pets Best's $50 deductible is the lowest in the industry.

Q: Does Pets Best or Figo have a shorter accident waiting period?

A: Figo has the shorter accident waiting period at 1 day, compared with 3 days for the other carrier. Figo's 1-day waiting period beats Pets Best's 3 days. That matters most for new puppies and kittens, where early accidents are common.

Q: Should I choose Pets Best or Figo?

A: Neither carrier is universally better — the right pick depends on your priorities. Pets Best wins on value with the industry's lowest deductible ($50) and wellness coverage. Figo wins on reimbursement (100% option) and the shortest accident waiting period (1 day).