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
/
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
Excellent Service
Fast process and refund.
Great customer service
Great customer service
They always give you the %80 this is…
They always give you the %80 this is the best pet insurance you never have to worry about taking your pet to a hospital or vet.
I add a pet and change my plan
I add and change my plan, Julie/Juli (im not sure how she writes it) but she was amazing, I had a great customer service. The details on the insurance were well explained. Everything 10 starts please
Quick and easy claims submission and reimbursement
When our dog need a cardiac ultrasound, we contacted Spot Pet Insurance right away with our claim. The process to file the claim was very easy. We appreciate how quickly they responded to our claim and had the claim check delivered to us even before we received the monthly credit card bill! So, we had the money I hand to pay off the entire bill (our deductible portion + the claim reimbursement amount) right away.
Added another pet to my insurance
Added another pet to my insurance. The employee assisting me on the phone was very helpful. Thank you
Processing Claims
Very expedient with processing claims. Helpful answering questions.
It was a quick and easy upload
It was a quick and easy upload, and they do the rest
all I had to do is send a photo of my…
all I had to do is send a photo of my bill and a couple days later they came back and said okay we’re sending you a check! It was the easiest process ever i’m so glad I had insurance it literally just payed for itself in one vet visit
Always there for back up in case of…
Always there for back up in case of emergencies
Spot Is a Pack Leader
