Figo Pet Insurance Plans Vs Spot Pet Insurance Plans Comparison
We know your pet is part of the family, and picking the right pet insurance can feel overwhelming. Here's how Spot plans compare to Figo plans, so you can decide what's right for your pet.
See how Spot plans stack up
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:
Figo charges extra for exam fee coverage. Spot includes it for eligible conditions.
Figo plans don't cover microchipping. All Spot plans do.
Figo caps behavioral condition coverage at $500–$1,000 a year. Spot doesn't have a separate limit.
Figo doesn't cover prescription food. Spot does, when it's prescribed to treat a covered condition.
The breakdown below gives a look at some of the core features for each providers’ plans.
Behavioral Issues
No Upper Age Limit
Exam Fees
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
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Included
Not included/Some inclusionsComparison 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.
4 Reasons to Consider Spot Plans Over Figo Plans
Figo Charges Extra for Exam Fee Coverage. Spot Includes It for Eligible 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.
Figo Plans Don't Cover Microchipping. All Spot Plans Do.
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.
Figo Caps Behavioral Problem Coverage at $500–$1,000 a Year. Spot Doesn't Have a Separate Limit.
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.
Figo Doesn't Cover Prescription Food. Spot Does When It's Prescribed for a Covered Condition.
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.
Frequently Asked Questions
Does Figo cover exam fees?
No — Figo requires an optional Veterinary Exam Fees add-on at extra cost. Spot includes exam fee coverage for eligible conditions in its base plans.
Does Figo cover microchip implantation?
No — Figo doesn't cover microchipping at all. Spot includes it in every base plan.
Is there a cap on behavioral treatment coverage with Figo?
Yes — Figo caps behavioral condition reimbursement at $500–$1,000 per year. Spot doesn't have a separate annual limit for behavioral coverage.
Does Figo cover prescription pet food?
No — Spot covers Rx food and supplements prescribed by a licensed vet to treat a covered condition; Figo does not.
Does Figo offer a multi-pet discount for pet insurance employee benefits?
Yes — Figo offers a flat 5% multi-pet discount on the combined premium for each additional pet policy added to the account. Spot offers up to 10% off with its multi-pet discount — double Figo's rate.
Does Figo offer an employer discount for pet insurance benefits?
Yes — Figo offers an employer discount of up to 10% for pet insurance offered through employee benefit programs. Spot also offers pet insurance as an employee benefit, with 10% employer discount.
Choose Spot if You Want Microchip Coverage and No Separate Cap on Behavioral Treatment
Spot includes microchip implantation in every pet insurance plan and covers behavioral conditions without a separate annual limit — both cost extra or aren't covered at all with Figo.
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
Comparison information is provided using publicly available information as of [DATE] and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans is 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. We attempt to keep the information up to date but 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@spotpetins.com.
Happy Pet Parents Trust Spot
Spot offers more for the money
Spot offers more for the money. Their claims process is so easy and are quick with reimbursement. I am very happy with my service so far.
This is our first time getting pet…
This is our first time getting pet insurance. It was very easy going online and getting a monthly price. I had a few questions and do I called the customer care phone number. Star was amazing! She answered all of my questions and put me to ease. She also helped me register! We have already seen the vet for our pies wellness exam and round of shots. We uploaded the information needed and heard a response quickly from Spot that our claim was accepted. So far, Spot has been a pleasure to work with! Thank you!
Very easy and quick claims process and…
Very easy and quick claims process and received my payment very quick!!
Claim Processing / App
Claim was processed quickly and the app is super easy to use, funds deposit via direct deposit in just a few days.
I love SPOT Pet Insurance
I love SPOT Pet Insurance! My dog, Chica, recently had to have CCL surgery and they were so quick to respond after I filed the claim. I can highly recommend them for other pet owners!
Customer service is excellent
Customer service is excellent. Always answered questions that I had. Very helpful with any concerns.
Claims are easy Reimbursement very quick
The process for filing a claim is very easy. The reimbursement was very fast. I would recommend this pet insurance to any pet parent!
Best pet insurance out there!
Best pet insurance out there!! They're proactive in reaching out for medical records from vets as needed and turnaround time for claim processing is quick! Glad I chose SPOT!!
All of representatives that I spoke…
All of representatives that I spoke with were very supportive and compassionate about my loss, and they worked quickly to get my policy approved and my refund dispersed to me, I sincerely appreciate the support
Filing my claim was easy
Filing my claim was easy, payment was deposited in my account in 2 weeks, could have been sooner maybe. But anyway, claim was treated fairly.
Spot Is a Pack Leader
