SPOT vs Figo: Pet Insurance Comparison
At SPOT, we think we have some of the best service and features, but we want you to decide for yourself. We're stacking ourselves up against some top competitors, take a look below and see how SPOT differs from Figo.
See How SPOT Stacks Up
At SPOT, we're happy to compare ourselves to others, because we're confident in our coverage! Here, we take a look at a few key differentiators between SPOT plans and Figo plans:
- Figo does not have a preventive care or routine care coverage option.
- With Figo, you need to pay an additional monthly fee to get coverage for exam fees.
- Figo plans do not cover microchipping.
- Figo has a separate cap on how much they will reimburse for alternative therapies.
- Figo's underwriter was founded in 1973, while SPOT's underwriter was founded in 1822.
The chart below gives a look at the core features of each brand. Below that, we dive deeper into the top five differentiators between SPOT and Figo.
Unlimited Annual Limit
Preventive Care Option
One Annual Deductible
Lab tests, X-rays, Hospitalization, Surgery, Diagonostics, etc.
Hereditary and Congenital Conditions without limitations
Any US Licensed Vet, Specialist, or Emergeny Clinic
No Vaccination Requirements for Coverage of Certain Conditions
Multiple Pet Discount
Age Limits for Illness Coverage Enrollment
Accident Only Plan Available for All Pets
30 - Day Money Back Guarantee
Comparison information is provided using publicly available information as of 4/5/2021 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 are 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 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 [email protected]
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5 Reasons to Consider SPOT over Figo
1. SPOT has Two Preventive Care Coverage* Options. Figo Doesn't Offer Routine Coverage.
At SPOT, we understand the importance of preventive healthcare. Going in for annual vet visits can help reduce the risk of illness later in your pet's life. To support pet parents in taking those preventive care measures, we offer two Preventive Care coverage options policyholders can add to their plans. SPOT's Preventive Care Coverage* options are not subject to deductible, copay, or waiting period.
Figo does not provide a preventive or wellness option.
2. SPOT Coverage Includes Exam Fees. Figo Requires an Additional Fee to Cover Exam Fees.
With SPOT, your Accident-Only or Accident & Illness plan will cover exam fees that are related to a covered condition. So, if your pet's treatment for a covered condition like cancer requires an examination, that is eligible for reimbursement.
Figo's coverage does not extend to exam fees unless policyholders add Veterinary Exam Fees coverage to their plan, which costs extra.
3. All SPOT Plans Cover Microchipping. Figo Plans Do Not.
Microchip implantation is quick and simple and can help pet parents reunite with lost pets. All SPOT policies cover implantation, Figo policies do not.
4. SPOT Reimburses Alternative Treatments for Covered Conditions. Figo Does, Too, with Limitations.
SPOT reimburses pet parents for alternative treatments recommended and performed by a vet professional, as long is it's to treat a covered condition. This may include acupuncture, hydrotherapy, chiropractic, and laser therapy, to name a few.
Figo also reimburses for alternative treatments, but only for acupuncture and chiropractic. There is also a limit to how much they will reimburse for these treatments in a year, and the cap depends on your overall annual limit; it can be from $150 to $1000.
5. SPOT's Underwriter has Nearly a Century of Experience. Figo's has Nearly Five Decades.
Experience is a wise consideration when weighing who you’re going to trust to have the backs of you and your pets. United States Fire Insurance Company underwrites all of SPOT’s policies, and they’ve been providing leading insurance since 1822.
Figo’s policies have three different underwriters, founded in 1973, 1980, and 1986.
Read more about SPOT vs Figo
Curious about how we stack up next to other competitors? See more comparisons here.
*Preventive Care coverage available for an additional cost on your premium.