Pet Insurance Comparison
Healthy Paws vs Trupanion vs Figo
Side-by-side comparison of Healthy Paws vs Trupanion vs Figo pet insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Healthy Paws edges ahead Trupanion and Figo in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| Healthy Paws | Trupanion | Figo | |
|---|---|---|---|
| Overall score | 4.65 /5 ★★★★★ Highest overall | 4.45 /5 ★★★★★ | 4.25 /5 ★★★★★ |
| National rank | #2 | #3 | #6 |
| Avg. annual rate | $288 Premium pricing | $384 Premium pricing | $252 Mid-range pricing |
| Avg. monthly | $24 | $32 | $21 |
| Best for | Healthy Paws is a comprehensive pet insurance with no caps on payouts, ideal for chronic conditions | Trupanion is a pet insurance that pays your vet directly so you never wait for reimbursement | Figo is a modern pet insurance with cloud-based dashboard, vet finder, and 100% reimbursement option |
| Read full review | Healthy Paws review → | Trupanion review → | Figo review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Healthy Paws | Trupanion | Figo |
|---|---|---|---|
| Customer experience | 4.85 · #2 | 4.70 · #3 | 4.25 · #6 |
| Coverage breadth | 5.00 · #1 | 4.85 · #2 | 4.25 · #6 |
| Affordability | 4.40 · #5 | 4.25 · #6 | 4.55 · #4 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Healthy Paws
Full review →Pros
- No maximum payouts per incident, year, or lifetime
- Covers hereditary and congenital conditions
- Award-winning customer service reputation
- Strong claims experience (most paid within 2 days)
- Built on a single accident/illness plan — simple to understand
Cons
- No wellness or preventive care option
- Older pets (8+) face exam requirement before enrollment
- Pre-existing conditions excluded
- Premium prices higher than budget options
Trupanion
Full review →Pros
- Pays participating vets directly at checkout — no reimbursement wait
- Covers 90% of eligible costs
- No per-incident or annual payout limits
- Strong claims experience (fast direct-pay)
- Comprehensive coverage including hereditary and congenital
Cons
- Premium pricing among the highest in the market
- Direct vet pay only works with participating vets
- No wellness or preventive care option
- Pre-existing conditions excluded
Figo
Full review →Pros
- Pet Cloud app for medical records, vet finder, and reminders
- 100% reimbursement option (most carriers cap at 90%)
- Customizable deductibles and reimbursement levels
- Strong digital experience with modern interface
- Built-in extras like lost pet rewards
Cons
- Higher premium for 100% reimbursement option
- Customer service primarily digital
- Pre-existing conditions excluded (industry standard)
- Newer than legacy pet insurance carriers
Coverage at a glance
What each carrier offers in standard policies.
Healthy Paws
Healthy Paws offers a comprehensive coverage menu typical of major pet insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
Add-on coverage
- Hereditary Conditions — Conditions common to certain breeds (hip dysplasia, etc.)
- Cancer Treatment — Chemo, surgery, and ongoing treatment
- Alternative Therapies — Acupuncture, chiropractic, and laser therapy
Trupanion
Trupanion offers a comprehensive coverage menu typical of major pet insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
Add-on coverage
- Direct Vet Pay — Trupanion pays the vet directly at checkout
- Recovery and Complementary Care — Physical therapy, hydrotherapy, and acupuncture
- Pet Owner Assistance — Boarding fees, advertising for lost pets, and more
Figo
Figo offers a comprehensive coverage menu typical of major pet insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
Add-on coverage
- 100% Reimbursement — Higher reimbursement rate than industry-standard 70–90%
- Hip Dysplasia Coverage — Coverage for hip dysplasia, common in larger breeds
- Wellness Add-On — Routine care reimbursement
The bottom line
Healthy Paws
Healthy Paws earns an overall score of 4.65/5 in QuoteYeti's pet insurance provider rankings. The carrier ranks #2 nationally, with particular strength in customer experience.
Healthy Paws is best suited for pet owners who value strong customer service over the lowest price. No wellness or preventive care option is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
Trupanion
Trupanion earns an overall score of 4.45/5 in QuoteYeti's pet insurance provider rankings. The carrier ranks #3 nationally, with particular strength in customer experience.
Trupanion is best suited for pet owners who want a balance of price and service from an established carrier. Premium pricing among the highest in the market is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
Figo
Figo earns an overall score of 4.25/5 in QuoteYeti's pet insurance provider rankings. The carrier ranks #6 nationally, with particular strength in specific specialty areas.
Figo is best suited for pet owners who want a balance of price and service from an established carrier. Higher premium for 100% reimbursement option is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
Before you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.