Head-to-Head Comparison
Pets Best vs. Figo
Vet-founded value leader vs. tech-forward innovator
Our 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).
Pets Best
4/5
Best value with low deductible options
Figo
3.9/5
100% reimbursement and tech-forward experience
Category-by-Category Breakdown
Coverage Limits
Pets Best
$5K–Unlimited
Figo
$5K–Unlimited
Both offer the same range of coverage limits including unlimited.
Reimbursement Options
Pets Best
70%, 80%, 90%
Figo
70%, 80%, 90%, 100%
Figo's 100% reimbursement option eliminates all out-of-pocket costs after deductible.
Deductible Options
Pets Best
$50–$500
Figo
$100–$1,500
Pets Best's $50 deductible is the lowest in the industry.
Accident Waiting Period
Pets Best
3 days
Figo
1 day
Figo's 1-day waiting period beats Pets Best's 3 days.
Wellness Coverage
Pets Best
Optional add-on
Figo
Not available
Pets Best offers wellness coverage; Figo does not.
Monthly Premiums
Pets Best
$18–$65
Figo
$20–$80
Pets Best premiums are generally lower across all tiers.
Mobile App
Pets Best
Good
Figo
Excellent (Pet Cloud)
Figo's Pet Cloud app is industry-leading for policy and claims management.
Expert Take
Mike
Licensed Insurance Professional (AAI, PRC, SBCS, CCIC)
Both carriers target the value-conscious pet owner, but they take different approaches. Pets Best was founded by a veterinarian (Dr. Jack Stephens, who also founded the first US pet insurance company), which gives them genuine credibility in understanding veterinary costs. Figo leads with technology — their Pet Cloud app and 100% reimbursement option are strong selling points.
Pets Best's pricing is typically 10–15% lower than Figo for comparable coverage, and their claims processing has improved significantly in recent years. Figo's 1-day accident waiting period beats Pets Best's 3-day period. Both carriers have coverage limits rather than unlimited payouts. In my assessment, Pets Best offers better value for the premium, while Figo offers a better digital experience and faster accident coverage.
If you are price-sensitive, Pets Best. If you want the best app and shortest waiting period, Figo.
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