Choose The Best Pet Insurance For Your Dog


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Two dogs standing on wooden dock on lake (Caption: Fetch by The Dodo vs FigoFetch by The Dodo vs Figo logos)

Fetch by The Dodo and Figo offer some of the most comprehensive coverage in the pet insurance industry. Fetch offers unique coverage for things like advertising and paying a reward for a stolen or lost pet as well as virtual vet visits up to $1,000. Meanwhile, Figo’s prices are often hard to beat. So, which one will cover what you need and fit into your budget the best?

We compare coverage, customer service and reputation, claim processing, customizations, and prices and explain which company we think is better for each of these factors. But keep in mind that every pet and budget are different, so we recommend getting quotes from multiple companies to ensure you get the best value for your unique situation.

Visit Fetch’s Website | Visit Figo’s Website

Policy Coverage

Dog under covers (Caption: Policy Coverage Winner)

The table below shows what Fetch and Figo cover. Both companies cover emergency care, surgery and hospitalization, specialized exams and specialty care, X-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, cancer, chronic conditions, euthanasia, hereditary conditions, congenital conditions, non-routine dental treatment, and prescription medications. Neither covers pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures.

Both Fetch and Figo deliver excellent coverage. The most significant difference is that Figo offers optional wellness coverage and Fetch doesn’t. So, if wellness coverage is a must for you, then Figo is more in line with your needs.

Another thing that may make Figo more enticing to you is that the waiting periods for both accidents and illnesses are shorter than Fetch.

Fetch pets must be six weeks or older to enroll, while Figo requires at least seven weeks of age. Neither company has maximum age restrictions.

FIGO logo small

Figo wins this category because of its optional wellness coverage and shorter waiting periods. However, we think Fetch’s coverage is comprehensive as well.

Policy Coverage Winner: Figo

Customer Service & Reputation

Fetch previously paid a licensing fee to sell its product under a different brand name. During that time, it underwent underwriter changes that resulted in premium increases and upset customers. It’s common for prices to fluctuate when an underwriter change occurs, so this isn’t unusual. Time passed, and the company bounced back, but at the beginning of 2022, it rebranded as Fetch by The Dodo. We will be interested to see how the rebranding impacts new and current customers, especially when it comes to renewal prices.

Person holding phone next to dog (Caption: Customer Service Winner)

As for Figo, it has negative reviews regarding unpaid claims. However, they are often due to pre-existing conditions or wellness-related concerns that the policy doesn’t cover. This is why you should read your pet insurance policy entirely, so you understand what is and isn’t covered, ideally before you buy. Figo still has excellent customer service reviews and is responsive to its customers’ needs.

FIGO logo small

Overall, Fetch has experienced more change in recent years than Figo, which is why we feel Figo offers a more stable experience when it comes to customer service and reputation.

Customer Service & Reputation Winner: Figo

Claim Processing

Doctor's office papers (Caption: Claim Repayment Winner)

Fetch allows up to 30 days for claim processing, but they average 22 days. However, if you opt for direct deposit, they may get your money back to you 5-10 days sooner. Fetch used to have a shorter claim processing average (around five days) but, like many other businesses, is experiencing delays due to COVID-19.

Figo’s claim processing is much faster with an average of three days, and about 50% are closed within 24 hours. This is among the shortest of all the pet insurance companies we review.

FIGO logo small

Because Figo has a much shorter claim processing period and is more consistent with reimbursement timing, it’s the winner in this category.

Claim Processing Winner: Figo

Price Of Policy

Dog lying next to money (Caption: Pricing Winner)

Fetch has no enrollment or transaction fees. On the other hand, Figo has a $15 one-time enrollment fee and a $2 transaction fee each month if you select to pay your premium on a monthly basis.

Your price quote is based on your pet’s details (age, breed, location, etc.). We recommend obtaining quotes from each company for your specific pet. You can also visit our pet insurance comparison quotes to see a few sample prices we’ve gathered. Then use our pet insurance quote form to see how other top companies compare for your beloved pet.

On average, Figo has some of the lowest premiums, while Fetch’s prices tend to fall in the middle of industry competitors.

FIGO logo small

Price Of Policy Winner: Figo

Discounts

Fetch

Fetch offers the following discounts:

  • 10% off the first year for new customers
  • Up to 10% off for animal shelter adoptees and employees, corporate benefit plans, medical services pets, strategic partners, military, veterinary staff, and students
  • 15% off for each consecutive 12-month period without a claim

No promo code is needed. Use this link to take advantage of the best possible price. Alternatively, call 800-237-1123. You can also visit our dedicated Fetch promotions page to learn more.

Figo

Figo offers the following discounts:

  • 5% off any new Figo pet insurance policy (exclusive for Canine Journal readers – use this link)
  • 5% off for multiple pets
  • Your deductible automatically goes down $50 each year you don’t receive a claim payment

No promo code is needed. Use this link to take advantage of the best possible price. You can also visit our dedicated Figo promotions page to learn more.

Plan Customization

Several types of dogs sitting together (Caption: Plan Customization Winner)

Finding a company with the coverage you need that fits your budget is essential. Look below to see what plan options are offered by each provider.

Fetch Figo
Deductible Options $250, $300, $500 $100, $200, $250, $500, $750, $1,000, $1,500
Payout Options $5,000, $15,000, Unlimited $5,000, $10,000, Unlimited
Reimbursement Options 70%, 80%, 90% 70%, 80%, 90%, 100%
FIGO logo small

Both companies offer multiple plan customizations to help you find the perfect coverage to fit your budget. However, Figo is one of the only providers to offer 100% reimbursement as an option. We think this unique option pushes Figo slightly ahead as the winner for this category.

Plan Customization Winner: Figo 

What’s The Verdict?

FIGO logo small

Overall, Figo wins this comparison against Fetch due to its thorough coverage, consistent reputation, speedy claim processing, lower average prices, and customization options. If you didn’t find what you were looking for, our experts dig deeper into each in our company reviews of Fetch and Figo.

Overall Winner: Figo 

Our experts have spent hundreds of hours researching to share our comprehensive, unbiased, and frequently updated pet insurance reviews. This analysis includes our top company recommendations along with details on each of the most popular providers.

If you prefer to see recommendations by category, check out our best pet insurance winners. Here we give awards for the best price, multi-pet discounts, 100% reimbursement, unlimited payouts, and other “best for” categories, including puppies, older dogs, dental, wellness coverage, bilateral conditions, behavioral therapy, vet direct pay, and more. You’ll even see winners for companies offering the best insurance for cats and exotic pets (e.g., rabbits, guinea pigs, birds, etc.).

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30 thoughts on “Choose The Best Pet Insurance For Your Dog

  • June 18, 2023 at 11:39 pm
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  • July 18, 2023 at 9:32 am
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    Мысль, что клиенты «имеют наглость» выводить полмиллиона долларов обратно не давала ему покоя. Чтобы «аут» стал нулевым, Сергей Сароян принялся активно заманивать клиентов на «Биржу трейдеров». Этот проект пассивного инвестирования был создан «Телетрейд», с целью обойти запрет на взятие средств в управление. Брокер ничего не брал – это делали «независимые» участники Биржи, которые сидели на зарплате в «Телетрейд». Сергей Сароян делал все, чтобы клиенты вкладывали свои средства именно сюда, где было очень удобно их сливать – достаточно отдать распоряжение подконтрольному торговцу и тот жал на нужные кнопки. Украинский инаут дорос до полутора миллиона и сравнялся с суммой введенных средств. Клиенты не получали обратно ничего, о заработках можно не упоминать. Сергей Сароян только с Украины имел 45 тысяч долларов в месяц.. Однако подобная ситуация не могла продолжаться долго. Репутация «Телетрейд» катастрофически ухудшилась, Сергей Сароян стал крайним, расплатившись хлебной должностью.

    Следующие пять лет стали тяжелыми для мошенника. Найти похожий источник дохода он не смог и стремительно беднел. Коучинг стал способом хоть как-то поддержать штаны. Неудивительно, что когда в «Телетрейд» сменилось руководство и там вспомнили о виртуозном лжеце, Сергей Сароян бегом поскакал к старому работодателю.

    Сегодня у него в подчинении находятся все клиентские офисы в шести странах, среди которых Украина. Причем он уже не куратор, а директор, и получает не 3%, а часть от всех слитых сумм. Как бы он не старался скрыть свою причастность к «Телетрейд», пострадавшим от махинаций брокера удалось узнать о ней. Общественная организация жертв «Биржи трейдеров» раздобыла инсайдерскую запись, где Сергей Сароян представляется сотрудникам и напрямую говорит, какую должность занимает. Эту запись жертвы «Телетрейд» продемонстрировали на публичном мероприятии, где вскрыли черные дела «Телетрейд» и обнародовали имя непосредственного участника.

    Брифинг, в ходе которого показана запись, состоялся в прошлом году. Цель его проведения – публично рассказать о циничном многолетнем обмане «Телетрейд» и назвать имена тех, кто замешан. Цель максимум – добиться возбуждения уголовного дела против украинского филиала. Если подобное уголовное дело, по примеру соседних стран, действительно будет возбуждено, Сергей Сароян точно не отделается ролью свидетеля.

    Как Сергей Сароян уничтожает украинскую экономику

    Биржа трейдеров,набравшая невиданную популярность, во время первого «правления» Сарояна в «Телетрейд» опустошала не только украинские карманы. Российские СМИ писали несколько лет назад о невиданном размахе грабежа, творящемся здесь. Почитать можно по ссылкам: здесь и здесь.

    Не меньше пострадал и Казахстан, где правоохранители активизировались весной прошлого года. Местное руководство – коллег Сарояна – посадили в СИзо. СМИ писали об этом: здесь и здесь.

    Российские уголовные дела удалось замять – для этого Олегу Суворову и другим хозяевам брокера приходится платить ежемесячные отчисления со своих барышей. Суммы взяток достигают сотен тысяч долларов. Кроме того, со слов российских сотрудников «Телетрейд», чиновники заставляют топов также отстегивать процент на военные расходы России в Донбасском регионе. Учитывая, что суммы, с которых отчисляется процент, увеличивает для своих боссов Сергей Сароян, он виноват не только в обнищании своих сограждан, их убивают косвенным образом благодаря его стараниям.

    Удивительно, конечно, что украинских «Телетрейд» вместе со своим боссом все еще остается в неприкосновенности. Не взирая на огромные обороты средств, которые здесь похищаются и выводятся из национальной экономики в офшоры, правоохранители бездействуют. Украинские инсайдеры рассказали организации клиентов, как именно Сароян успокаивает сотрудников. Якобы им нечего бояться, ведь киберполиция находится в него «в кармане». Хотелось бы верить в то, что это ложь, и правосудие в ближайшее время доберется до мошенников. Но пока ситуация остается неутешительной: Сергей Сароян продолжает наживаться на чужих деньгах.

    Теги статьи: Чернобай ВладимирТелетрейдСароян СергейМошенничествоАфераTeleTrade
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