Figo Pet Insurance
Fetch Pet Insurance

Wondering who has the best pet insurance? We sniffed out the differences for you, so you can see how Fetch’s unmatched coverage is top dog.

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A large fluffy dog sitting on a couch with a tennis ball in his mouth.

You had me at Fetch.

— Rugby

Fetch covers more than most other providers, including Figo

Fetch Pet Insurance is proud to protect over 425,000 pets (and counting!) with the most comprehensive coverage. Figo has limited or no coverage when it comes to sick-visit exam fees, behavioral therapy, boarding in the event of hospitalization and more.

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With Fetch’s comprehensive plan, you know exactly what’s covered

Fetch helps protect your pet from injuries and illnesses with comprehensive pet insurance.

With Figo Pet Insurance, you’d need to pay extra for add-ons to get the coverage that’s already included in Fetch’s standard plan — and those monthly charges add up fast.

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With Figo Pet Insurance, you’ll have to pay for exam fees

Fetch covers the full sick visit — including exam fees, saving you $50-$250, on average, per visit.

Figo charges extra to include exam fee coverage in your plan.

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Fetch has your back if you're hospitalized

We’re not just here for your pet — should you require hospitalization for 4 days or more, we’ll cover up to $1,000 of your pet’s boarding fees.

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.

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Taco the border collie dog sitting in a wooden chair.

Fetch knows that sometimes good boys and good girls need a little help

Fetch covers up to $1,000 in behavioral therapy and medicine.

Figo Pet Insurance doesn’t cover behavioral therapy for your pet.

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What should you consider when you’re comparing pet insurance providers?

What does the coverage include?

Not all pet insurance plans are created equally. If a provider doesn’t cover a condition your pet has or treatment they need, you won’t be able to file a claim and get paid back for it — which means you could run into some serious costs. Take a close look at all limitations and exclusions for a given pet insurance plan, which can include factors like upper age limits and exclusions for breed-specific conditions.

How much can you customize the price?

Getting a plan that works for your pet and your budget is key. With Fetch, you can customize your plan, including choosing your deductible, max annual payout and reimbursement rate. Not all providers let you customize your price like this.

What matters the most to you?

Every plan is different, and every pet parent is, too. Some people only want protection in case of injury and illness — the unexpected stuff you can’t see coming — while others also want coverage for things like chronic conditions. Make sure that what you’re paying for is what is best for your pet’s needs and your budget.

Add routine & preventive coverage, save up to $735 more a year

Fetch Wellness is an optional add-on to your Fetch Pet Insurance plan that gives your pet routine and preventive coverage (think: vaccines and annual exams).

Unexpected Visits

Get Fetch Pet Insurance

Covers injuries, illnesses, prescription medications & more.



Add Fetch Wellness

Covers annual exams, vaccinations, dental cleanings & more.

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Read customer reviews about Fetch Pet Insurance

Ready to give your pet the coverage they deserve?

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Compare Fetch to Figo Pet Insurance




Covers pets of every age 6 weeks+

Use any vet in the U.S. and Canada

Offers wellness coverage

Sick-visit exam fees


Online vet visits

Alternative & holistic care

Behavioral therapy

Breed-specific conditions

Every tooth, plus gums


Not covered

Costs extra

This comparison is based on core policy coverage and the information is accurate as of September 2023.

Fetch Wellness is add-on coverage.

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