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.
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.
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.
Frequently Asked Questions
What makes a good pet insurance plan?
The right pet insurance plan balances coverage with cost. With Spot, you choose your own reimbursement rate, deductible, and annual limit so your plan fits your budget — and when you need to file a claim, submission takes under a minute, with reimbursements deposited directly to your bank.
What pet insurance do you recommend for a dog?
Spot's accident and illness plan for dogs helps cover everything from bloodwork and diagnostic imaging to sick exams and prescription foods — the everyday unexpected costs that add up fast. Microchip implantation is also included in every plan at no extra cost.
What pet insurance do you recommend for a cat?
Spot's accident and illness plan helps cover cancer treatments, surgeries, and hospitalization for cats — the high-cost events that pet insurance is really built for. Enrollment is available starting at just 8 weeks old, so you can help protect your cat early.
What pet insurance do real pet owners actually recommend?
Pet parents don't just choose Spot once — they recommend it to others. With 10+ 5-star reviews and a loyal base of over 1 million pet parents, Spot has built a reputation for delivering on its promises when it counts most.
What do pet insurance companies cover?
Spot's accident and illness plans are designed for both dogs and cats of any breed, with the flexibility to add preventive care coverage for things like vaccines, flea and tick prevention, and dental cleanings. And with no network restrictions, you can see any licensed vet in the US and Canada without worrying about whether they're in-network.
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
Spot is spot on
Spot is honest & very helpful. We had expenses we did not expect- appreciate the help with submitting claims and timely payments .
This is my first experience with pet…
This is my first experience with pet insurance and Spot has been very easy to work with and process claims. I have called customer service as well and they were very helpful and kind.
Responsive.
Responsive.
Fast response.
Fast response.
Spot Pet Insurance was outstanding
Spot Pet Insurance was outstanding. The process to upload the vet invoice was easy, they quickly verified the information and within a week the full amount, less deductible of course, was deposited in our account. We couldn’t be happier with Spot.
Zeny
Zeny, a healthy Jindo dog, suddenly began suffering from seizures when she turned four, requiring four emergency visits over the course of seven months. These situations were quite distressing, and each visit cost over $800; Spot Pet Insurance covered a portion of the expenses. Most recently, she had to go to the emergency clinic again due to a leg injury; the bill came to $641.73, and I received a check for $440.59 from Spot Insurance. I’m glad I signed up with Spot Insurance; they are highly trustworthy, kind, and responsible.
Thankful and grateful …
Having Spot has literally saved my Rotti's life ! He had urinary problem ; took him to our vet and we found out his situation was more serious then we could have ever imagined. He had xrays and tests and turned out he needed the help of a specialist ,he had over 100 bladder stones .We would have sold everything to save him ; his surgery and care was almost $8000 by grace of God we had Spot. We of course paid the bill and his coverage guaranteed 80% of that monies back .I will never go without Spot to cover all my furbabies needs.
Jackie and Rocky
We adopted 2, 13 month old kittens (bonded brothers) and one was the "runt of the litter". The bigger one fell off a desk backwards onto a glass compote, breaking one vertebrae and cracking another. Fortunately he was able to walk, and didn't lose any functions. He did have to "crated" for 8 weeks to limit his mobility and heal. They both have had asthma issues, the little guy more so and more often. We are thankful that we have had coverage that actually pays for 80% of the emergency room and Vet bills.
Fast refunds
My Yorkie had to have surgery to remove bladder stones. This was her third surgery and Spot was fast in sending the refunds for them. This was good because the refunds arrived in time for me to pay the charge on my credit card.
Easy claims process
Easy claims process, quick claims processing, easy to use app. Highly recommend
Spot Is a Pack Leader
