Pet Insurance Comparison
Spot Pet Insurance vs Figo
Side-by-side comparison of Spot Pet Insurance vs Figo pet insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Spot Pet Insurance is essentially tied with 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.
| Spot Pet Insurance | Figo | |
|---|---|---|
| Overall score | 4.30 /5 ★★★★★ Highest overall | 4.25 /5 ★★★★★ |
| National rank | #4 | #6 |
| Avg. annual rate | $204 Mid-range pricing | $252 Mid-range pricing |
| Avg. monthly | $17 | $21 |
| Best for | 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 | Spot Pet Insurance review → | Figo review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Spot Pet Insurance | Figo |
|---|---|---|
| Customer experience | 4.55 · #4 | 4.25 · #6 |
| Coverage breadth | 4.55 · #4 | 4.25 · #6 |
| Affordability | 4.70 · #3 | 4.55 · #4 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
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.
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
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.