Head-to-Head
Figo vs Healthy Paws
Side-by-side comparison of coverage, pricing, waiting periods, and overall value.
Healthy Paws
Rating 4.5/5
Claim speed 3d
Medium dog $28–$50/mo
Founded 2009
Coverage comparison
| Feature | Figo | Healthy Paws |
|---|---|---|
| Hereditary | ✓ Yes | ✓ Yes |
| Congenital | ✓ Yes | ✓ Yes |
| Bilateral | ✓ Yes | ✓ Yes |
| Dental | ✗ No | ✗ No |
| Behavioral | ✓ Yes | ✗ No |
| Prescription | ✓ Yes | ✓ Yes |
| Alternative Therapies | ✓ Yes | ✓ Yes |
| Exam Fees | ✗ No | ✗ No |
Pricing comparison
| Dog type | Figo | Healthy Paws |
|---|---|---|
| Small (young) | $20–$45/mo | $22–$38/mo |
| Medium (young) | $28–$60/mo | $28–$50/mo |
| Large (young) | $38–$82/mo | $38–$72/mo |
| Brachycephalic | $45–$95/mo | $42–$85/mo |
| Large (senior) | $55–$120/mo | $58–$118/mo |
Plan flexibility
| Option | Figo | Healthy Paws |
|---|---|---|
| Deductibles | $100, $250, $500, $750, $1000, $1500 | $100, $250, $500, $750 |
| Reimbursement | 70%, 80%, 100% | 70%, 80%, 90% |
| Annual limits | $5000, $10000, Unlimited | Unlimited |
Waiting periods
| Type | Figo | Healthy Paws |
|---|---|---|
| Accidents | 1 days | 15 days |
| Illness | 14 days | 15 days |
| Orthopedic | 6mo | 12mo |
Strengths & weaknesses
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
Healthy Paws
✓ Unlimited lifetime benefits
✓ No annual or per-incident caps
✓ Strong hereditary coverage
✓ Established reputation
✗ Age limit of 14 for enrollment
✗ No dental or behavioral
✗ Longer waiting periods
✗ No exam fee coverage
Frequently asked questions
Which is better, Figo or Healthy Paws?
Healthy Paws has a higher overall rating. Figo scores 4.1/5 while Healthy Paws scores 4.5/5. The best choice depends on your dog's breed, age, and your coverage priorities.
How much does Figo cost vs Healthy Paws?
For a medium-sized young dog, Figo costs $28–$60/month while Healthy Paws costs $28–$50/month. Healthy Paws is generally more affordable.
Which has better coverage, Figo or Healthy Paws?
Both providers cover core accident and illness expenses. Figo processes claims in 5 days on average, while Healthy Paws takes 3 days. Review the coverage table above for detailed feature-by-feature differences.
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