Trupanion vs Figo
Pet insurance gives you peace of mind, ensuring you can provide the best care for your furry friend without worrying about the cost. But not all pet insurance plans are created equal. That’s why it’s essential to go beyond the surface, thoroughly researching what each provider truly offers.
How Trupanion and Figo compare
Plan features | Trupanion | Figo |
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No payout limits |
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VetDirect Pay™ |
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No birthday pricing |
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24/7 live support |
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Flexible deductible |
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Trupanion’s VetDirect Pay™ makes claims effortless. Figo doesn’t offer direct vet payment.
One of the most convenient features of Trupanion is VetDirect Pay™. This unique option allows Trupanion to pay your veterinarian directly at checkout, so there is no need to wait for reimbursement, fill out paperwork, or manage claim forms. In fact, 80% of VetDirect Pay™ claims are processed within just five minutes through Trupanion’s Vet Portal. This means less financial stress at the point of care and more time focusing on your pet’s recovery.
Figo, on the other hand, does not offer direct payment to veterinarians. You’ll need to pay your full bill upfront and then file for reimbursement, which can add unnecessary hassle and financial strain, especially in emergencies, when every minute and dollar counts.
Trupanion’s flexible deductible can save you more over your pet’s lifetime. Figo’s is complicated and tied to your pet’s age.
Trupanion offers a smart, flexible deductible that you only have to meet once per condition over your pet’s lifetime. Whether you choose $0 or up to $1,000, you can tailor your deductible to fit your lifestyle and budget. If your pet develops a chronic or recurring health issue, this per-condition, lifetime deductible can lead to significant savings over time.
Figo’s deductibles are annual and reset every year, so you’ll pay the deductible again and again if your pet needs ongoing care for the same condition. Plus, Figo’s deductible options are tied to your pet’s age, which can make your out-of-pocket costs harder to predict as your pet grows older. For pets 5 years old and younger, Figo offers deductible choices of $100, $250, $500, or $750. For pets between 6 and 9 years old, options include $100, $250, $500, $750, or $1,000. Once your pet turns 10, the deductible options shift to $500, $750, $1,000, or $1,500. These fluctuations can make budgeting for your pet’s care more challenging year after year, especially as they age.
Only Trupanion offers actual no payout limits for all members.
Trupanion’s coverage comes with no annual, per-condition, or lifetime payout limits. That means your pet is covered for life, no matter how much care they need—whether it’s a single expensive surgery or ongoing treatment for a chronic illness. There’s never a cap on what Trupanion pays out for eligible claims.
Figo’s plans, by contrast, come with $5,000 or $10,000 annual maximum payouts, and only offer unlimited payout at a higher premium. This could leave you facing unexpected costs if your pet’s needs exceed those limits.
Trupanion is always here when you need us — 24/7/365.
Emergencies don’t stick to a schedule, and neither does Trupanion’s support. With customer care and claims available 24/7, every day of the year, you’ll always have help when you need it most. Our team is ready to answer questions, process claims, and support you through stressful situations.
Figo’s live customer service is only available Monday through Friday from 7 AM to 7 PM Central Time and on Saturdays from 7:30 AM to 4 PM Central Time. If you need help outside these times, you might be left waiting precisely when you need support the most.
Trupanion’s rates stay fair with no surprise birthday price hikes.
Trupanion pricing is designed for your pet’s lifetime, with no sudden “birthday pricing” increases or deductible changes just because your pet gets older. You get long-term financial predictability and won’t be penalized for simply having an aging pet.
Figo may automatically increase your premiums every year as your pet ages, making costs less predictable and often much higher for loyal pet parents with older pets.
Why choose Trupanion over Figo?
There are multiple reasons why Trupanion may be a better fit for you and your pet:
No Annual or Per-Incident Payout Limits: Enjoy no payout limits, regardless of how much care your pet needs throughout their life.
Direct Payments to Veterinarians: We can pay your vet directly at checkout so you don’t have to wait for reimbursement.
Stable Premiums: Your rate won’t increase just because your pet has another birthday, providing long-term financial predictability.
Streamlined Claims Experience: Our claims process is fast and designed for your convenience.
Smarter, Predictable Deductible: We use a per-condition, lifetime deductible, meaning you only pay the deductible once for each new condition — potentially saving you thousands over your pet’s life.
Simplicity Over Complexity: Trupanion offers one straightforward, robust plan that covers new injuries, illnesses, hereditary and congenital issues, surgeries, medications, and more, without confusing tiers or add-ons.
Learn why veterinarians recommend Trupanion.
*Policy information gathered from figo.com on 11/10/2025.
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