Trupanion vs Healthy Paws vs Figo: uncapped, uncapped, unlocked
Two of these insurers refuse to cap payouts on any policy. The third sells the only 100% reimbursement tier on the market, an app your vet will compliment, and a menu flexible enough to hide the catch: the configurations that make Figo cheap are not the configurations that make it comparable.
Side by side by side
Typical accident and illness configurations. Details vary by state and plan tier, so treat this as a map and confirm terms on each insurer's current policy documents.
| Dimension | Figo | Healthy Paws | Trupanion |
|---|---|---|---|
| PolicyPaws score | 8.2 | 9.2 | 9.8, our #1 |
| Monthly cost | Dogs ~$30 to $70, cats ~$14 to $30 at capped tiers | Dogs $57 to $101 at age 2, $136 to $320 by age 8 | Dogs $60 to $110, cats $25 to $55; birthdays and claims don't raise it |
| Payout caps | $5,000 / $10,000 / unlimited, by tier | None | None: no annual, lifetime, or per-condition limits |
| Reimbursement | 70% to 100%, but 100% can't pair with unlimited | Locked by enrollment age, down to 50/60% at 8+ | 90%, one plan, any enrollment age |
| Deductible | Annual, $100 to $750 typical | Annual, resets every year | $0 to $1,000 per condition, once for life |
| Exam fees | Optional Powerup add-on | Not covered | Not covered |
| Waiting periods | 1 day accidents, 14 days illness, 6 months orthopedic (waivable with an exam in the first 30 days) | 15 days both; 12-month hip dysplasia wait | Historically 5 days injury / 30 days illness, varies by state |
| Direct pay / claims | App claims, most close in under 3 business days | Reimbursement, often ~2 days | Paid at checkout at equipped hospitals |
| Age limits | No upper age limit | Enroll before 14; age 6+ brings exclusions | Enroll before 14; same plan at any age |
The 100% tier, examined honestly
Figo's signature feature sounds like the end of the argument: why accept 90% when someone sells 100%? Three reasons. It cannot be combined with the unlimited annual cap, so the perfect reimbursement rate comes with a ceiling. It is not offered for every pet. And it prices well above the $30 to $70 quotes that make Figo attractive in the first place. Run the bad year through it: a $16,000 cancer bill at 100% under a $10,000 cap pays $10,000 and leaves you $6,000. The same year at 90% uncapped pays $14,400 and leaves you $1,600 plus deductible. The percentage is the headline; the cap is the outcome, the same trap we walk through in our uncapped-coverage guide and the two-way Figo vs Trupanion.
Where Figo genuinely wins this matchup
Fairness requires the list. A 1-day accident waiting period is the shortest here by days. No upper enrollment age means a 15-year-old cat can still get a policy, which neither rival will write. The Pet Cloud app, with 24/7 vet chat and digital records, is the best software experience in the field. And the entry price for a young mixed-breed on a capped tier undercuts both uncapped policies by real money. If you are insuring a senior pet past Trupanion's 14th-birthday cutoff, Figo isn't the compromise; it's the answer.
The aging test, applied to all three
Every pet insurance decision is secretly a bet about years eight through fourteen. Healthy Paws fails the test loudest: renewals climb steeply and enrollment age locks the reimbursement menu, down to 50 to 60% for pets enrolled at 8+. Figo fails it more quietly, through the annual deductible meeting chronic disease every January, renewal pricing that 2026 reviews consistently flag, and the cap decision compounding as claims grow. Trupanion was engineered around the test: enrollment-age pricing that ignores birthdays and claims, one deductible per condition for life, and no cap to outgrow. The mechanics are in our cost guide; the short version is that only one of these three gets structurally cheaper relative to its rivals every year you hold it.
Choose Figo if
- Your pet is too old to enroll anywhere else: no upper age limit is a real door when the others have closed.
- You want the lowest workable premium and accept a cap with open eyes.
- App experience and fast digital claims matter to you day to day.
Choose Healthy Paws if
- You're enrolling a puppy or kitten and want uncapped payouts at the lowest entry price.
- Simplicity appeals: one plan, no tier menu to misconfigure.
Choose Trupanion if
- You're insuring against the chronic decade: one deductible per condition beats an annual reset, every time treatment lasts.
- You want premiums that ignore birthdays and claims, and a bill settled at checkout at equipped hospitals.
Trupanion has one plan: 90%, uncapped, per-condition deductible. The only decision left is your deductible number, and the quote lets you slide it until the premium fits.
Get your Trupanion quote →Bottom line
Figo modernized the experience of pet insurance; Trupanion and Healthy Paws modernized the product. When the three quotes land side by side, remember the cheap Figo number is a capped configuration, and reprice it at unlimited-90% before comparing. Do that, and this three-way collapses back into the two-way that actually decides it, where age settles the argument in Trupanion's favor.
Which is best: Trupanion, Healthy Paws, or Figo?
Our board says Trupanion (9.8), Healthy Paws (9.2), Figo (8.2). The first two never cap payouts on any policy; Figo's unlimited option is one tier on a menu, and its headline 100% reimbursement tier cannot be paired with the unlimited cap. Figo competes on price, app experience, and flexibility rather than structure.
Does Figo really reimburse 100%?
It sells the only 100% reimbursement tier among major brands, but with catches: it cannot be combined with the unlimited annual cap, it is not offered for every pet, and it prices well above Figo's advertised averages. A 100% rate under a $10,000 cap can pay out less in a bad year than 90% with no cap at all.
Is Figo cheaper than Trupanion and Healthy Paws?
Usually, at the capped tiers: dogs commonly quote $30 to $70 a month and cats $14 to $30. Configure Figo to actually match the uncapped pair (unlimited cap, 90%) and the price advantage narrows while the annual deductible and 6-month orthopedic wait remain. Cheap Figo is a different product than uncapped Figo.
More matchups: Figo vs Trupanion · Trupanion vs Healthy Paws · Trupanion vs Healthy Paws vs Nationwide · All comparisons
Keep reading: 8 insurers ranked · Trupanion review · Who really has no caps