Figo Pet Insurance Plans Vs Spot Pet Insurance Plans Comparison
We know that your pet is a member of your family — full stop. The humans in your family have insurance coverage, but what about your pets? Pet insurance is often viewed as a complicated and confusing topic. We’re here to change that. At Spot, we think we have incredible service and product offerings. However, we want you to decide for yourself. We are going to do an analysis on some top pet insurance providers, including ourselves. Today we’re going to go over Figo vs. Spot. We're stacking the plans we offer up against some top competitors’ plans. Take a look below and see how Spot plans differ from Figo plans.
See how Spot plans stack up
Some people say comparison is the thief of joy. At Spot, we're happy to compare ourselves to others. We're confident in the products we offer.
Spot plans provide your pet with extensive plan options.
Here, we take a look at a few key differentiators between pet insurance plans offered by Spot and Figo:
As a policyholder of a plan from Figo, you need to pay an additional fee to get coverage for exam fees for eligible conditions. This is not the case with Spot plans.
Figo plans do not cover microchipping.
Figo has a separate cap on how much they will reimburse for behavioral problems. If eligible treatment for your pet’s behavioral problem costs more than this cap, you’ll have to pay for those yourself.
The breakdown below gives a look at some of the core features for each providers’ plans.
No Upper Age Limit
Exam Fees
Behavioral Issues
Preventive Care
Microchip
Prescription Foods
Alternative Therapies
Chronic Conditions
One Annual Deductible
Specialists
Hereditary & Congenital Conditions
Dental Illness
Multi Pet Discount
30-Day Money Back Guarantee
No Upper Age Limit
Tired of being told no? Spot plans don't place an upper age limit on coverage. *With Nationwide, only pets 10 years of age or younger may enroll in a Major Medical Plan. *With Embrace and USAA, pets of any age can be insured but pets 15+ are restricted to enrolling in new accident-only plans. *** "No upper age limit*** data in table with "Y" means pets are covered and can enroll in a new plan regardless of old age. "N" means there is a maximum age to enroll or be insured.
Exam Fees
Once your deductible is met, exam fees for accidents and illnesses related to covered conditions are covered. Annual physical exam fees are not covered. *With Figo, Prudent Pet, Embrace, Lemonade, Liberty Mutual, and Pets Best, an additional monthly fee is required. *With Pawp, Exam Fees are only covered in life-threatening emergency situations, and only 1 emergency a year.
Behavioral Issues
This coverage can help with eligible costs for veterinary visits for concerning behavioral issues that may be related to anxiety or compulsive behavior, like excessive licking, fur pulling, and destruction of home. *Trupanion behavioral issues coverage are available for an additional cost. *Fetch only covers up to $1k towards behavioral issues each year. *Metlife coverage available for an additional cost.
Preventive Care
Treatment for the purposes of avoiding an illness or injury or for the promotion of general heath, where there is no underlying illness, injury, or symptoms. Dental cleaning, wellness exams, deworming, flea/heartworm prevention, fecal and blood test, and more! Spot provides options to add preventive care coverage for extra monthly costs.
Microchip
Your core policy covers microchip implantation by a veterinarian; not any associated fees for registration, monitoring, or renewal. *With Pets Best, Fetch, Prudent Pet, Embrace, Geico and Trupanion, an additional monthly fee is required. *Included in Nationwide's and Liberty Mutual's Wellness packages for an additional monthly cost.
Prescription Foods
## Prescription Diets & Dietary Supplements A food that is prescribed by your veterinarian to treat a covered condition, with guaranteed analysis and safety standards. Spot plans don't cover the following prescription diets: treats, general health maintenance diets, weight loss diets, puppy or kitten diets, homemade diets, or raw food diets, even if prescribed or dispensed by your veterinarian. *Figo only covers food to treat bladder stones / crystals for up to 6 months *With Pets Best, an additional monthly fee is required. *Prudent Pet only covers prescription food costs to treat bladder stones and crystals for a limited time. *Fetch only covers prescription supplements, not prescription food. *Manypets covers prescription supplements, not prescription food.
Alternative Therapies
There are all sorts of alternative therapies now involved for pets, such as acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy. Spot plans can reimburse you for alternative therapies your pet might need to treat a covered condition.
Chronic Conditions
These are accidents & illnesses that need care across multiple plan period, such as diabetes and cancer. With accident & illness pet insurance plans provided by Spot, you don't have to worry about a condition becoming ineligible for coverage just because it is ongoing.
One Annual Deductible
Spot plans allow you to select from a range of annual deductible amounts. Once you meet your annual deductible, Spot plans will reimburse a percentage of covered expenses, according to the reimbursement percentage you select, up to your annual limit.
Specialists
Spot understands the importance of timing, which is why we’re proud to offer you plans with coverage at any licensed vet, emergency clinic or specialist in the US.
Hereditary & Congenital Conditions
This coverage is for the costs of eligible inherited illnesses and that don't show symptoms until later in your pet's life, like heart disease, IVDD, eye disorders, and hip dysplasia. *Healthy Paws does cover hereditary conditions, though pets enrolled after age 6 are not eligible for hip dysplasia coverage. *With Embrace, pets enrolled after age 6 are not eligible for hip dysplasia coverage. *Pawp covers hereditary and Congenital conditions only related to life-threatening emergencies.
Dental Illness
Spot plans cover dental illnesses if you enroll in an accident & illness plan, and Spot plans cover tooth extractions for accidents.
Multi Pet Discount
Insure one, discount the rest. Spot plans provide a 10% multi-pet discount for every additional pet insured. *Liberty Mutual gives 5% discount for first additional pet, and 10% for 3 or more.
30-Day Money Back Guarantee
Take the time to understand if this service is for you and your furry pal. Test it out and determine if it’s right for you with our 30-day money back guarantee. *30-day money back guarantee only available if no claims have been covered. *Not available in NY. *Not available in ME. ME residents receive a 15 day right to examine.
Comparison information is provided using publicly available information as of 3/2/24 and is only meant to summarize program features, not a specific plan. Review each provider’s plan terms for more details. The descriptions of other providers’ plans were not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. Although we attempt to keep information up to date, it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing marketing@spotpet.com.
Some Key Differences
1. Spot Plan Coverage includes Exam Fees for Covered Conditions.
Figo plans require an additional cost to cover Exam Fees for covered conditions.
With Spot plans, your Accident-Only or Accident & Illness plan will cover exam fees for covered conditions. If your pet is undergoing cancer treatment, or treatment for a covered condition, the exams are eligible for reimbursement if they are not otherwise excluded.
We know how stressful exams and hospitalization for accidents and illnesses can be. We want to help make it easy for loving pet parents to get their animals the care they deserve.
In comparison, Figo plans coverage does not extend to exam fees for covered conditions unless policyholders add Veterinary Exam Fees coverage to their plan, which costs extra.
2. All Spot plans cover microchipping. Figo plans do not.
Microchip implantation is a quick, and simple procedure that can help pet parents reunite with lost pets. All Spot policies cover microchip implantation; Figo policies do not.
At Spot, we want to help provide you with the resources you need to be the best pet parent you can be — and help ensure your best chances of reuniting with your furry friend if they get lost.
3. Spot plans do not have a separate annual limit for behavioral problems. Figo plans have a separate annual limit for behavioral problems.
Spot plans cover behavioral problems, and they don’t have a separate annual limit specific to behavioral problems.
Figo plans also cover behavioral problems. However, they have a separate annual limit of $500-$1000 for behavioral problem coverage.
4. Spot Plans Cover the Cost of Prescription Foods
Spot plans cover the cost of prescription foods as long as it is prescribed by a licensed vet to treat a covered condition. Figo plans do not include coverage for prescription foods that your vet may prescribe your pet.
Planning for the future
We hope this answers some of your questions regarding the difference between Spot plans and Figo pet insurance plans.
Whether you have a cat or dog, rest assured that Spot Pet Insurance wants to help you give your pet the care they require.
Tucker's Road to Recovery
When emotional support dog Tucker experienced a life-threatening injury to his neck, he needed extensive treatment. His pet parent Kim was able to choose the treatment option that would provide Tucker with the best quality of life because of the financial support provided by Tucker's Spot plan.
Cost of Treatment: $4,305
Spot Plan Reimbursed: $3,874.505
Happy Pet Parents Trust Spot
Great follow through on submitted claims
I have 2 dogs that have been on this healthplan since they were 8 weeks old. One of my dogs was recently diagnosed with a heart condition. Spot Pet Insurance has been wonderful at paying the submitted claims. They even paid the medication prescribed and purchased from Chewy. I couldn't be happier.
Easy to use
Easy to submit a claim! Quick response and reimbursement!
I processed my claim on line and the…
I processed my claim on line and the process was so was so easy and convenient. The refund arrived quickly with no hassle. Love it!
Spot Pet Insurance is ideal for our…Hank
Spot Pet Insurance is ideal for our petite English Bulldog. They have been easy and fair regarding our claims for our Hank. This poor baby suffered a severe eye trauma only 3 months after obtaining insurance via an employer benefit recommendation. The surgeon was able to save his eye and he still has eyesight with continued medication. It's our responsibility as pet owners to give our pets the best quality and quantity of life. I couldn't be happier and we continue to utilize for Hank's forever maintenance on his eye recovery.
Pet insurance is new to me and my….
Pet insurance is new to me and my little boy Quinn! The enrollment process could not have not been easier!!! This policy is something i hoped to never have to use. Unfortunately, while filming a new real estate listing video Quinn ate something that was toxic. He was a a sick kitty. Fortunately, my vet was able to care for him and we are doing just fine now. After treatment i paid the balance due and then submitted my claim to Spot. Now i must say that i was skeptical and expected a huge amount of red tape! I was so wrong. I provided a bit of information requested by Spot and within two days i checked the status of my claim in the really cool app and there it was!! A communication letting me know that my reimbursement had been completed!! I was shocked but yet so grateful!! Spot Pet Medical Insurance is a no brainer!! Thanks Spot!!!
Seamless
So easy, coverage is geat!
Claims completed very quickly
Claims completed very quickly
The review and payment process has a…
The review and payment process has a quick turnaround time in reimbursing the customer.
Great experience.
Great experience.
Great Company
Very happy! Quick review and fast acceptance
