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).
Which One Is Right For You?
Real-world scenarios where Pets Best or Figo comes out ahead, based on the categories where each wins.
If…
You want maximum reimbursement on every covered claim with the smallest coinsurance possible
Choose
Figo— its reimbursement structure pays the highest percentage of your covered vet bill
If…
You prioritize deductible options above other plan dimensions
Choose
Pets Best— pets best's $50 deductible is the lowest in the industry
If…
You just adopted a new puppy or kitten and want accident coverage to start as fast as possible
Choose
Figo— its short accident waiting period gets you covered before the first chaotic weeks are over
If…
You want one policy that covers routine care like annual exams, vaccinations, and dental cleanings
Choose
Pets Best— its wellness coverage handles the predictable annual routine bills, not just emergencies
If…
You're on a tight budget with a young, healthy pet and want the lowest possible monthly premium
Choose
Pets Best— base premiums run noticeably lower for healthy young pets at comparable coverage tiers
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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