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FIGO vs. Prudent Pet Pet Insurance: In-Depth Comparison [2022]

By: Michelle Spies

Michelle Spies

| May 19, 2022
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Comparing Pets Best and Trupanion Pet Insurance Plans

What’s The Difference Between FIGO & Prudent Pet Pet Insurance Plans?

Thank you for visiting our guide to comparing FIGO and Prudent Pet. Below you’ll find a comparison of FIGO vs. Prudent Pet insurance plan rates, multi-pet discounts, wellness plans, coverage amounts, and more.

Remember that the easiest way to shop for pet insurance is using a tool such as this to compare pet insurance plans from all the major pet insurance companies at once. With this tool, you can compare rates from FIGO and Prudent Pet side by side, as well as other major pet insurers.

FIGO & Prudent Pet: A Complete Breakdown of Dog Insurance Plan Benefits 

The comparison chart below will show you the pet insurance plan features of FIGO and Prudent Pet, as well as many of the other top pet insurance brands.

Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Company
Company
Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Annual Coverage
Annual Coverage
$5,000 or Unlimited
Up To $100,000
Unlimited
Unlimited
$5,000 or Unlimited
Unlimited
$10,000 or Unlimited
$5,000 - $30,000
Unlimited
Multi-pet Discount?
Multi-pet Discount?
Yes
Yes
No
No
Yes
No
Yes
Yes
No
What They Do Best
What They Do Best
Best for plan customization
Great pricing for puppies & kittens
$0 copay option. No fees for paying monthly.
Best for paying claims to veterinarian direct
Short waiting periods
Best for paying claims fast
Best Trustpilot reviews
Best plan for superior benefits
Fast claims. Wellness plan available.
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
4.3 / 5
4.6 / 5
4.7 / 5
4.5 / 5
4.1 / 5
4.4 / 5
4.5 / 5
4.5 / 5
4.1 / 5
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Yes
Yes
Yes
No
No
No
No
Yes
Yes
Example Quote for 1 Year Old 30 lb Mixed Breed
Example Quote for 1 Year Old 30 lb Mixed Breed
$35.81 per month
$20.00 per month
$30.00 per month
$68.25 per month
$69.30 per month
$26.25 per month
$73.46 per month
$42.35 per month
$15.00
Reimbursement Amount
Reimbursement Amount
90%, 80%, or 70%
90%, 80%, or 70%
90%, 80%, or 70%
90%
100%, 90%, 80%, or 70%
90%, 80%, 70%, 60%, or 50%
90%, 80%, or 70%
90%, 80%, or 70%
100% or 90%
Annual Deductible
Annual Deductible
$50, $100, $200, $250, $500, or $1,000
$100, $250, or $500
$100, $250, or $500
$0 to $1,000
$100, $250, $500, or $750
$100, $250, $500, $750, or $1,000
$100, $250, $500, or $1,000
$200, $300, $500, $750, or $1,000
$250, $500, or $1,000
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote
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Free Side-by-Side Quote Comparison Between FIGO and Prudent Pet

Fill out the form below to receive your no-obligation quote comparison between FIGO and Prudent Pet.

Common Questions About FIGO Vs. Prudent Pet

dog-covered-by-pet-insurance

Coverage Amounts: FIGO Vs. Prudent Pet

Prudent Pet’s coverage either maxes out at $10,000 or is unlimited, and FIGO’s coverage either maxes out at $5,000 or is unlimited. Unlimited coverage sounds better, but it requires higher premiums. A $5,000 coverage may be preferable for younger, healthier dogs or routine, non-invasive treatments. $10,000 will cover most emergency procedures.

Multi-Pet Discounts: FIGO Vs. Prudent Pet

Both FIGO and Prudent Pet offer a discount for multiple pets, making either insurance a good choice for multi-pet parents looking to save. You may as well use the same company for all your animals, and this pet insurance plan feature lets you do that.

What are the Reimbursement Amounts for FIGO Vs. Prudent Pet?

Both of these insurers offer similar reimbursement options, with a slight difference. Prudent Pet will reimburse you for either 90%, 80%, or 70%. FIGO’s reimbursement options are 100%, 90%, 80%, or 70%. Remember: the higher your reimbursement percentage, the higher your premium will be. 

What is the Annual Deductible for FIGO Vs. Prudent Pet?

With Prudent Pet’s insurance, your deductible will be either $100, $250, $500, or $1,000. FIGO’s deductible options are similar, including $100, $250, $500, or $750. Note that the higher the deductible, the lower your premium will be. 

Does FIGO or Prudent Pet Offer a Wellness Plan for Preventative Care?

This category of comparison is pretty irrelevant, as neither FIGO nor Prudent Pet currently offers a wellness option. This would include things like crucial preventative care, vaccines, and dental, but wellness plans won’t cover emergencies, accidents, or pre-existing conditions.

Who is Cheaper: FIGO or Prudent Pet?

We found FIGO to offer just a slightly more affordable price in most cases. For our example quote, FIGO beat out Prudent Pet for a 1-year-old 30 lb mixed breed dog based on Texas zip code 75001. However, keep in mind that your location, dog’s age, breed, gender, and other factors significantly affect your pricing. The best way to know whether FIGO or Prudent Pet is cheaper is to run a comparison quote here.

The Bottom Line: Who is Better, FIGO or Prudent Pet?

It’s a tough call between these two competitive pet insurance companies. Overall, in the FIGO vs. Prudent Pet insurance comparison, we give an edge to FIGO for their more affordable monthly pricing and similar coverage with more possibility of total reimbursement. Both companies are very reputable and popular with iHeartDogs readers, with FIGO receiving 4.2 out of 5 stars and Prudent Pet receiving 4.5 out of 5 stars.

Run a No Obligation Comparison Quote Between FIGO and Prudent Pet

[6] FIGO Pet Insurance Customer Reviews (2022)

iHeartDogs surveyed our readers in 2022 about their experience with FIGO and other major pet health insurance companies.

Overall FIGO received a 4.2 out of 5 rating:

⭐ - 6 vet visits, various reasons, ZERO claims paid. They find ANY reason to deny the claim. This is my third company for pet insurance -- a complete waste of my money. - FIGO Pet Insurance review by Katie, Frisco

⭐⭐⭐⭐  - Haven't filed a claim yet - FIGO Pet Insurance review by Dorothy, Phoenixville

⭐⭐⭐⭐⭐  - Very responsive and quick to process the claim. Have to pay extra to get routine wellness covered - FIGO Pet Insurance review by Stephanie, Independence

⭐⭐⭐⭐⭐  - I have nothing but good things to say about FIGO and the ease of claims and reimbursement. Thank-you FIGO for being there. - FIGO Pet Insurance review by Glen

⭐⭐⭐⭐⭐  - Service from staff has been great, Only complaint: I've had this insurance for years and it was reasonable. Then FIGO switched providers in 2019 and the monthly fee doubled. Not such a great deal anymore. Can't switch insurance because of pre-existing condition. - FIGO Pet Insurance review by Betty

⭐⭐⭐⭐⭐  - Excellent customer service. My claims took just few hours to process. Top class platform. Transparent pricing. Can’t ask for more. Every pet owner should have a pet insurance and that too with Figo. - FIGO Pet Insurance review by Greg,

[5] Prudent Pet Insurance Customer Reviews (2022)

iHeartDogs created surveyed our readers in 2022 about their experience with Prudent Pet and other major pet insurance providers.

Overall Prudent Pet Insurance received a 4.5 out of 5 rating:

⭐⭐⭐⭐⭐ - This was my first time purchasing pet insurance and Pati was a big help! She explained everything in an easy to understand way and was there to answer all my questions. Would highly recommend! - Kyla

⭐⭐⭐⭐⭐ - Great Customer Service- While searching for pet insurance, I looked into and called multiple services. Stephanie Toppel was really great at answering all of my questions by responding right away and giving me a straight and honest answer. Pet insurance has a lot of ins and outs to it and I now feel very comfortable that I choose the best company for me. - Kari

⭐⭐⭐⭐⭐ - We just signed up with Prudent Pet and are already extremely impressed with them. I got quotes from 6 different pet insurance companies and I love the fact that Prudent is one of the very few that offer preventative care as well. We have a big family so every penny counts- including annual exams, shots, etc because it all adds up! I got a quote on Sunday afternoon from their website and first thing Monday morning a customer service representative called me to follow up on my quote. None of the other companies did that at all whatsoever. She also spent 45 minutes on the phone with me explaining every detail of the coverage with me and letting me know my options. She answered every question I could think of and was so patient and friendly about it despite me taking up so much of her time with my endless inquiries. She made me feel right at ease. I’m really excited for my dog’s new coverage we can’t wait to see how it all works out. I feel relieved that now I don’t have to worry about some expensive bill coming up that we can’t afford. This makes it much easier on our family and gives us a peace of mind that we can give our dog quality care at any time. - Alexandra

⭐⭐⭐⭐ - We just purchased our policy so I can’t review on the coverage or claims process, but customer service was exceptional. Patricia Ostaszewski was great and assisted us with all of our questions and concerns and set up the policy for us. I do wish the policy listed more details regarding coverage. - Ariel

⭐⭐⭐⭐ - I just bought this plan. So far no problems. The only thing was after I applied the info said I would get an email for me to set up my password, I didn’t get one so I called and they told me what to do. Everything ok now. - Patricia

Compare FIGO and Prudent Pet Pricing and Benefits Below

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