Head-to-Head
Figo vs Paw Protect
Side-by-side comparison of coverage, pricing, waiting periods, and overall value.
Coverage comparison
| Feature | Figo | Paw Protect |
|---|---|---|
| Hereditary | ✓ Yes | ✓ Yes |
| Congenital | ✓ Yes | ✓ Yes |
| Bilateral | ✓ Yes | ✓ Yes |
| Dental | ✗ No | ✗ No |
| Behavioral | ✓ Yes | ✓ Yes |
| Prescription | ✓ Yes | ✓ Yes |
| Alternative Therapies | ✓ Yes | ✗ No |
| Exam Fees | ✗ No | ✗ No |
Pricing comparison
| Dog type | Figo | Paw Protect |
|---|---|---|
| Small (young) | $20–$45/mo | $22–$42/mo |
| Medium (young) | $28–$60/mo | $30–$55/mo |
| Large (young) | $38–$82/mo | $38–$72/mo |
| Brachycephalic | $45–$95/mo | $45–$85/mo |
| Large (senior) | $55–$120/mo | $55–$110/mo |
Plan flexibility
| Option | Figo | Paw Protect |
|---|---|---|
| Deductibles | $100, $250, $500, $750, $1000, $1500 | $250, $500, $750 |
| Reimbursement | 70%, 80%, 100% | 80%, 90% |
| Annual limits | $5000, $10000, Unlimited | $10000, $20000, Unlimited |
Waiting periods
| Type | Figo | Paw Protect |
|---|---|---|
| Accidents | 1 days | 0 days |
| Illness | 14 days | 14 days |
| Orthopedic | 6mo | None |
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
Paw Protect
✓ Instant claim payments via prepaid Visa debit card
✓ No waiting period for accidents
✓ No orthopedic waiting period
✓ Competitive pricing
✓ Simple modern enrollment process
✗ Only available in 44 states
✗ No dental coverage
✗ No alternative therapy coverage
✗ Higher minimum deductible ($250)
✗ Very new company with limited track record
Frequently asked questions
Which is better, Figo or Paw Protect?
Figo has a higher overall rating. Figo scores 4.1/5 while Paw Protect scores 4/5. The best choice depends on your dog's breed, age, and your coverage priorities.
How much does Figo cost vs Paw Protect?
For a medium-sized young dog, Figo costs $28–$60/month while Paw Protect costs $30–$55/month. Paw Protect is generally more affordable.
Which has better coverage, Figo or Paw Protect?
Both providers cover core accident and illness expenses. Figo processes claims in 5 days on average, while Paw Protect takes 0 days. Review the coverage table above for detailed feature-by-feature differences.
Get your free cost report
Enter your email and we'll send a personalized breakdown of costs.