Head-to-Head
AKC vs Figo
Side-by-side comparison of coverage, pricing, waiting periods, and overall value.
Coverage comparison
| Feature | AKC | Figo |
|---|---|---|
| Hereditary | ✓ Yes | ✓ Yes |
| Congenital | ✓ Yes | ✓ Yes |
| Bilateral | ✓ Yes | ✓ Yes |
| Dental | ✗ No | ✗ No |
| Behavioral | ✓ Yes | ✓ Yes |
| Prescription | ✓ Yes | ✓ Yes |
| Alternative Therapies | ✗ No | ✓ Yes |
| Exam Fees | ✗ No | ✗ No |
Pricing comparison
| Dog type | AKC | Figo |
|---|---|---|
| Small (young) | $22–$48/mo | $20–$45/mo |
| Medium (young) | $30–$62/mo | $28–$60/mo |
| Large (young) | $40–$82/mo | $38–$82/mo |
| Brachycephalic | $48–$95/mo | $45–$95/mo |
| Large (senior) | $58–$120/mo | $55–$120/mo |
Plan flexibility
| Option | AKC | Figo |
|---|---|---|
| Deductibles | $100, $200, $250, $500 | $100, $250, $500, $750, $1000, $1500 |
| Reimbursement | 70%, 80%, 90% | 70%, 80%, 100% |
| Annual limits | $2500, $5000, $10000, $15000, Unlimited | $5000, $10000, Unlimited |
Waiting periods
| Type | AKC | Figo |
|---|---|---|
| Accidents | 14 days | 1 days |
| Illness | 14 days | 14 days |
| Orthopedic | 12mo | 6mo |
Strengths & weaknesses
AKC
✓ Breed-specific expertise from AKC partnership
✓ Low starting annual limit ($2500) for budget plans
✓ Hereditary and congenital conditions covered
✓ No upper age limit
✓ Available in all 50 states
✗ 12-month orthopedic waiting period
✗ No dental coverage
✗ No alternative therapy coverage
✗ No exam fee coverage
✗ Small multi-pet discount
Figo
✓ Pet Cloud app for managing everything
✓ 100% reimbursement option
✓ 1-day accident waiting period
✓ Wide deductible range up to $1500
✓ No upper age limit
✗ 6-month orthopedic waiting period
✗ No dental coverage
✗ No exam fee coverage
✗ Lower BBB rating than competitors
✗ Small multi-pet discount
Frequently asked questions
Which is better, AKC or Figo?
Figo has a higher overall rating. AKC scores 3.9/5 while Figo scores 4.1/5. The best choice depends on your dog's breed, age, and your coverage priorities.
How much does AKC cost vs Figo?
For a medium-sized young dog, AKC costs $30–$62/month while Figo costs $28–$60/month. Figo is generally more affordable.
Which has better coverage, AKC or Figo?
Both providers cover core accident and illness expenses. AKC processes claims in 12 days on average, while Figo takes 5 days. Review the coverage table above for detailed feature-by-feature differences.
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