Fetch vs Figo pet insurance: coverage comparison
Is Fetch or Figo the better pet insurance?
Fetch is better because it has the most complete coverage, including what Figo charges extra for or doesn’t cover at all. Take a look at a few examples:
Figo doesn’t reimburse 100% for behavioral therapy. Fetch does.
Figo doesn’t reimburse 100% on qualifying pet meds.† Fetch does.
Figo charges extra to cover the sick-visit exam fee. This coverage comes standard with Fetch.
Behavioral therapy, exam fees & more cost extra with Figo — they’re all included with Fetch
Figo may look less expensive at first, but if you want coverage for sick-visit exam fees, behavioral therapy and more, you’ll see that Figo charges extra to add these on. They all come standard with Fetch. You’d have to pay for 5 add-ons to reach Figo’s maximum coverage — and you would still have less coverage than Fetch.
 |  | |
|---|---|---|
Sick-visit exam fees |  | Costs extra |
Alternative & holistic care | | Costs extra |
Behavioral therapy | | Costs extra |
Physical therapy | | Costs extra |
Boarding fees | | Costs extra |
Comparison of coverage is based on core policy coverage and the information is accurate as of April 2026. All coverage is subject to policy limit.
More coverage comes standard with Fetch, so you can give your pet a longer, healthier life
100% reimbursement for behavioral therapy with Fetch
Fetch covers up to $1,000 in pet behavioral therapy a year. You get 100% reimbursement on this coverage with no copay, no deductible, no added costs.
With Figo, it costs extra to add behavioral therapy coverage to your plan — and you’re only covered up to $500 per year.
Fetch covers sick-visit exam fees with no cap
Fetch covers the full sick visit — including exam fees, saving you up to $250 per visit.
Figo charges extra to include sick-visit exam fee coverage in your plan and caps coverage at $250/yr. Since exam fees can cost up to $250 for a single sick visit, that means you’d have to pay some of those fees yourself if your pet has multiple trips to the vet in one year and you reach your limit.
Up to 56%
of pet parents pay at least 1 sick-visit exam fee a year.
Alternative & holistic care is included with Fetch
Fetch covers acupuncture, aromatherapy, chiropractic and homeopathic treatments, also known as complementary therapy, when administered by a vet to treat an injury or illness, all at no extra charge.
Figo doesn’t cover alternative and holistic care in their standard plan. You’ll have to pay extra to add this coverage.
DID YOU KNOW?
Acupuncture is used by veterinarians to treat common conditions, including arthritis, allergies, IVDD (intervertebral disc disease), hip dysplasia, diarrhea, vomiting, behavioral problems, cancer and kidney disease.
Physical therapy comes standard with Fetch
Physical therapy can aid healing, ease discomfort and improve your pet’s quality of life. Fetch covers massage, movement therapy (kinesiotherapy), underwater treadmills (hydrotherapy), electrical stimulation and more, when administered by a vet.
Figo doesn’t cover physical therapy unless you pay extra for an add-on.
Denzel
IVDD treatment:
$13,367
Fetch paid back:
$11,271
Fetch includes coverage for boarding fees
Should you require hospitalization for 4 days or more, Fetch covers up to $1,000 of your pet’s boarding fees at no extra cost.
With Figo, it costs extra to cover boarding. So you’ll likely need to find someone to take care of your pet, pay boarding fees out of pocket or pay extra for this add-on.
Boarding a pet can cost up to
$185/night
Fetch covers what Figo does not
| | |
|---|---|---|
$1,000/yr. in online vet visits | | |
Online pharmacy. | | |
Vitamins & supplements | | |
$1,500+ in instant savings on | | |
†Subject to deductible and policy limit; applies to qualifying medications purchased from Fetch Pet Rx. *Discounts on pet products & services are not insurance and are not provided by AXIS Insurance Company. Comparison of online pharmacy and discounts on pet products & services based on each provider's website as of April 2026. Comparison of coverage is based on core policy coverage and the information is accurate as of April 2026. All coverage is subject to policy limit.
Figo excludes coverage & benefits that are included with Fetch
100% reimbursement on meds with Fetch Pet Rx†
Fetch reimburses 100% of your out-of-pocket expenses on hundreds of qualifying pet medications. Just order from our online pharmacy, Fetch Pet Rx.
Figo doesn’t offer this. Fetch is the only pet insurance provider that pays you back 100% of the cost of your pet’s meds — with $0 copay — when you use Fetch Pet Rx.
Nearly 75%
of pet parents report that their pet’s prescription cost is burdensome.
Savings on everyday pet products & services to give your pet a longer, healthier life
Fetch Members get exclusive access to ongoing discounts on food, treats, training and more with Fetch Deals. Your savings start the day you enroll — no waiting.
Figo doesn’t offer this.
Fetch Deals
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Food & treats
Essentials
Toys & more
$1,000/yr. in online vet visits with 100% reimbursement and no copay
Fetch includes 24/7 remote telehealth treatment, so you can call, text, email or video chat with a licensed vet to get support. Online vet visits are covered up to $1,000 a year — no copay, no deductible, no additional costs.
Figo’s telehealth coverage is limited to a helpline app where you can text an expert about your pet’s health and behavior, but they can’t prescribe medications and coverage is subject to copay and deductible.
Coverage for vitamins & supplements is included with Fetch
Fetch covers vitamins and other supplements when recommended by a vet to treat your pet’s illness or injury.
Figo doesn’t cover vitamins and supplements. So if your vet recommends these, you’ll have to pay for them yourself.
Vitamins like B12 are often needed to manage chronic gastrointestinal illness in dogs and cats.
Figo’s dental coverage has restrictions that can cost you at the vet
Both Fetch and Figo cover dental, but Fetch is the only pet insurance that covers injury and disease in all adult teeth and your pet’s gums. Figo’s dental coverage comes with limitations you’ll only learn if you read their policy carefully (or just keep reading this page).
For example: With Figo, if your pet has tartar buildup prior to enrollment, this would be considered a pre-existing condition (as a symptom of periodontal disease). That means any veterinary care for periodontal disease wouldn’t be covered, which could cost you thousands of dollars in treatment. Periodontal disease is the most common disease in dogs and cats — up to 90% of pets have it, according to Cornell University.
With Fetch’s complete dental coverage, tartar is not considered a pre-existing condition. This means even if your pet has tartar before you enroll, they can still be covered for periodontal disease with Fetch.
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Curry
Periodontal disease costs:
$6,126
Fetch paid back:
$4,417
How pet insurance claims work: It’s easy to get reimbursed with Fetch
1
You pay the vet
You pay your pet’s bill in full at the veterinarian’s office during your visit.
2
Submit a claim to get paid back
Snap a picture of your paid invoice and supporting medical records and submit them in the top-rated Fetch app.
3
Get reimbursed — fast
Claims are typically processed in less than 10 days. Once approved and you’ve met your deductible, you'll get paid back up to 90% straight to your bank account via direct deposit.
Wonton & Xingye
Vet bills:
$9,585
Fetch paid back:
$6,722
Pet insurance cost comparison: beyond monthly premiums, annual limits & deductibles
When you get a pet insurance quote with Fetch or Figo, you’ll be given options to customize the cost. With Fetch, you can choose the deductible, max annual payout and reimbursement rate that’s right for your pet and your budget. Your quoted price with Fetch might look more expensive than what you’d get with Figo, but Figo’s inferior coverage may end up costing you a lot more due to sublimits and other coverage exclusions.
Figo has sublimits for behavioral therapy & sick-visit exam fees
This means there are caps on how much Figo will pay you back for these coverages (there’s a $500 cap on behavioral therapy reimbursements and a $250 cap on sick-visit exam fees). Fetch reimburses more than 2x as much as Figo for behavioral therapy and has no cap (sublimit) on reimbursement for sick-visit exam fees.
Figo’s add-ons can make your price significantly higher
You’d have to pay for 5 add-ons to reach Figo’s maximum coverage — and you’d still be getting less coverage than you would with Fetch. Alternative & holistic therapy, behavioral therapy, physical therapy, sick-visit exam fees and boarding fees will all cost more with Figo. All of this coverage is included with Fetch.
You’ll save much more on your pet’s medications with Fetch
Fetch gives you 100% reimbursement for qualifying pet meds† when you use our online pharmacy, Fetch Pet Rx — this includes vitamins and supplements. Figo does not offer 100% reimbursement on meds and doesn’t cover vitamins and supplements at all.
Fetch & Figo both offer Wellness coverage as an optional add-on
You can opt into preventive care with both Fetch and Figo. When you add Fetch Wellness, you’ll get money back for the vet visits that help keep your pet healthy, including annual exams, vaccinations, dental cleanings and more. With coverage for the unexpected as well as preventive care, you’ll have the total package for your pet’s health.
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Questions about how Fetch compares to Figo, answered
Is Fetch Pet Insurance better than Figo?
Does Fetch Pet Insurance cover pre-existing conditions?
Can I switch from Figo to Fetch Pet Insurance?
Does Fetch Pet Insurance have a waiting period?
Can I use any vet with Fetch Pet Insurance?
Does Fetch cover dental for dogs and cats?
