Pet Insurance Comparison
Trupanion vs Spot Pet Insurance vs Figo
Side-by-side comparison of Trupanion vs Spot Pet Insurance vs Figo pet insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Trupanion edges ahead Spot Pet Insurance 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.
| Trupanion | Spot Pet Insurance | Figo | |
|---|---|---|---|
| Overall score | 4.45 /5 ★★★★★ Highest overall | 4.30 /5 ★★★★★ | 4.25 /5 ★★★★★ |
| National rank | #3 | #4 | #6 |
| Avg. annual rate | $384 Premium pricing | $204 Mid-range pricing | $252 Mid-range pricing |
| Avg. monthly | $32 | $17 | $21 |
| Best for | Trupanion is a pet insurance that pays your vet directly so you never wait for reimbursement | Spot Pet Insurance is a customizable pet insurance with optional wellness add-ons and exam fee coverage | Figo is a modern pet insurance with cloud-based dashboard, vet finder, and 100% reimbursement option |
| Read full review | Trupanion review → | Spot Pet Insurance review → | Figo review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Trupanion | Spot Pet Insurance | Figo |
|---|---|---|---|
| Customer experience | 4.70 · #3 | 4.55 · #4 | 4.25 · #6 |
| Coverage breadth | 4.85 · #2 | 4.55 · #4 | 4.25 · #6 |
| Affordability | 4.25 · #6 | 4.70 · #3 | 4.55 · #4 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
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
Spot Pet Insurance
Full review →Pros
- Endorsed by Cesar Millan (the Dog Whisperer)
- Optional Wellness Rider for routine care
- Covers exam fees (not always standard in pet insurance)
- Customizable deductibles, reimbursement, and limits
- Strong digital experience
Cons
- Newer carrier with less long-term track record
- Customer satisfaction scores still establishing
- Pre-existing conditions excluded (industry standard)
- Limited geographic availability
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.
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
Spot Pet Insurance
Spot Pet Insurance 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
- Wellness Rider — Routine care including exams, vaccinations, and dental
- Exam Fee Coverage — Vet exam fees during illness or injury visits
- Behavioral Treatment — Behavioral conditions and training-related issues
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
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.
Spot Pet Insurance
Spot Pet Insurance earns an overall score of 4.3/5 in QuoteYeti's pet insurance provider rankings. The carrier ranks #4 nationally, with particular strength in affordability.
Spot Pet Insurance is best suited for pet owners who want a balance of price and service from an established carrier. Newer carrier with less long-term track record 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.