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      December 15, 2018

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Figo vs Pet First

Best Pet Insurance

To help you find the Best Pet Insurance, TopConsumerReviews.com provides you with an in-depth comparison of Figo and Pet First.

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Who has the Best Pet Insurance? Medical care is rarely cheap - and the same goes for our four-legged friends. While pet owners are grateful for advances in technology and medicine that make it possible to keep their "fur kids" healthy, these procedures and prescriptions often come with a hefty price tag.

Without pet insurance, a simple blood test can cost well over $200. Even a standard yearly checkup can set you back by hundreds of dollars. How's your wallet feeling now? Chances are, you would do almost anything to take care of your beloved pet - but you might find yourself having to make difficult choices, especially if your dog or cat experiences a traumatic injury or life-threatening illness.

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Best Reviews

2018

Pet Insurance Reviews

4 stars
Figo

FIGO Visit Site

Cost:

Plans starting at $5.04 for kittens and $9.28 for puppies

Unlimited annual coverage available

100% reimbursement available

One-time admin fee of $9

Figo wants to revolutionize the pet insurance industry. As the creator of the first cloud-based approach to pet policies, they've made it easier than ever to keep your pet healthy and happy - and to submit claims for fast payment.

Figo is the only company in our review that offers plans with 100% reimbursement on qualified claims. Combine that with an unlimited annual coverage plan and your pet could be extremely well-covered in the event of a life-threatening accident or disease. Although some customers reported that claims processing had slowed down in recent months, Figo has been quick to respond, apologize, and reassure policyholders that they've gotten it worked out. The most recent customer comments we found confirmed that: claims are being processed and paid in less than a week.

Some pet insurance companies include reimbursement for veterinary exam fees, and others do not. Figo splits it down the middle: if you'd like that coverage for accident and illness visits, you can opt in for an extra premium each month. On a puppy policy, for example, you'd pay less than $2 per month for that additional coverage.

At the bottom of the main quote page, we also saw that Figo wants you to contact them if you adopted from a shelter or rescue, if you're a veterinary student or staff at a veterinary practice. Why? To give you an additional discount! You'll also save 5% if you pay for a full year of coverage in advance, rather than month-to-month. All plans have a $9 administrative fee for starting the policy.

Figo's premiums are very affordable. Using our own furry friend, a 7-year-old male Boston mix, we'd pay $13.18 for a policy with a limit of $10,000 in annual benefits, reimbursement at 70%, and a deductible of $1000. Veterinary exam fee coverage would be an extra $2.64 per month with that plan. On the higher end, we could cover him with a policy offering unlimited annual benefits, 100% reimbursement, and an annual deductible of $200 for just $52.41/month. That premium is an amazing rate, given that most competitor plans at those levels cost twice as much, if not more. Even adding the veterinary exam fee coverage, we'd still pay less than $65 per month.

Once you've entered your information, Figo makes it very simple to see what you can expect in terms of waiting periods. Just look on the right side of the page. Your pet will need to have been seen by a vet in the last 12 months, because Figo requires you to submit those records to process any claims. But, if your pet hasn't had an exam in the last year, you can still sign up for the policy and take him or her to the vet during the mandatory 14-day waiting period. If knee coverage is important to you, you can waive the 6-month waiting period if your pet has a clear exam within 30 days of your policy start.

We did find one feature disappointing – when it comes to reimbursements, Figo utilizes a "copay then deductible" model. This actually costs you a little more out-of-pocket for each claim than other pet insurance companies who follow a different model.

Unfortunately, if you're looking for routine/wellness coverage, you won't find it at Figo. These plans can typically save you between 10-20% a year on regular pet exams, office visits, and other costs to maintain the health of your pet. We're not sure if Figo has plans to introduce this in the future, but as of this review they don't offer any plan with this option.

Although every pet insurance company receives its share of complaints regarding denied claims due to pre-existing conditions or premium increases, Figo gets fewer of those than their competitors. It was much easier to find happy customers than unsatisfied ones.

Figo has excellent, affordable coverage options, straightforward pricing, and a cloud-based way to manage your pet's health. This "A" rated, BBB accredited company should be on your short list when it comes to your pet's accident and illness pet insurance plan.

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2.5 stars
Pet First

PET FIRST Visit Site

Cost:

Plans starting at $8.35/month

Per-incident deductibles of $50, $100, $250, or $500

Military and Animal Welfare Worker discounts available

Based in Indiana, Pet First has helped thousands of families to better afford their pets' veterinary costs since 2004. They partner with numerous animal shelters throughout the country, making it easier for new adoptive pet families to get insurance right away.

As you go through the quote process, you'll see several options for additional discounts. If you purchase your policy online (rather than calling their toll-free number or signing up at an animal shelter), you'll save $10 on your first payment. If you're an active/retired member of the military, you're eligible to save another 5% on your monthly premiums. Finally, if you are a veterinarian or any other kind of animal welfare worker, you're qualified for another discount - but the amount wasn't specified, and the discount didn't show up on our policy summary page. In order to get to the final policy total, we had to enter our credit card information - which we didn't particularly like. We'd like to see Pet First show the premium breakdown throughout the quote process and not make customers wait until after giving their payment information.

You're going to want any discounts you can get. Pet First consistently comes in higher than most of the competition. Kitten plans start at $8.35/month, which is double what the lowest-priced plans charge. Adding to your cost is the deductible: you'll pay that deductible on every claim, not as an annual maximum amount. In other words, if you have 10 claims in a year, you'll pay your $50, $100, or $500 deductible 10 times (if your total bill is over $500).

For our own four-legged friend - a 7-year old mixed breed, medium-sized male - we were given rates ranging from $15.55/month on the low end and $110.95 on the high end. The rate itself is comparable with other pet insurance providers, but when you figure that Pet First plans have a maximum annual limit of $10,000 and those every-time deductibles, their plans are much more spendy for the same monthly premiums.

Aside from cost, how does Pet First stack up against the competition? Every pet insurance company has people who complain about claims being denied - it's the nature of the business, whether you're dealing with pets or people. Pet First does have an A+ record as an accredited BBB company, which is encouraging. But, we found more than a few reviews from people who were encouraged to buy Pet First plans when adopting from an animal shelter; when those newly-adopted critters wound up developing problems not long thereafter, many of the claims were denied as pre-existing conditions.

At the end of the day, Pet First is just average when it comes to pet insurance, and you'll almost certainly spend more out of pocket because of their per-claim deductibles and limited annual reimbursement options. You'll probably get much more for your money with another provider of pet insurance policies.

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Continued from above

Just like their owners, pets can be protected with pet insurance plans that help ease the financial strain of medical care. Pet insurance has become very popular in the last few years, with dozens of companies offering to help you keep your pet healthy for a long time. But, every pet insurance plan is different with respect to deductibles and fees, covered services, and claims processing.

As you decide which pet insurance company is the best fit for you and your pet, keep in mind the following criteria:

  • Cost. What will you pay for your coverage? Is there a deductible, and is it annual or per incident? Will you pay any enrollment fees?
  • Coverage. What services and procedures are covered in the plan you have selected? Does it cover preventative measures like annual checkups? Are there any noteworthy exclusions? Does the company offer a variety of plans to meet your needs?
  • Reputation. Is the pet insurance provider rated by the Better Business Bureau? What do other customers say about their experience? Are claims paid quickly, or do you have to jump through a lot of hoops to file paperwork? Do many claims get denied? Are the company's customer service representatives knowledgeable and friendly?

TopConsumerReviews.com has reviewed and ranked the best Pet Insurance companies available today. We hope this information helps you find the best pet insurance plan for you and your animal companion!

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