FIGO vs Prudential Pet Insurance: In-depth Comparison [2022]

news7g05/22/2022

6 6 minutes read

Lemonade vs ManyPets Pet Insurance: In-depth Comparison [2022]

What is the difference between FIGO and Prudent Pet Insurance Plan?

Thank you for checking out our guide to comparing FIGO and Prudent Pet. Below you will find FIGO versus Prudent Pet plan rate comparison, multiple pet discounts, wellness packages, coverage amounts, etc.

Remember that the easiest way to buy pet insurance is to use such as this tool to compare pet insurance plans from all the major pet insurance companies at once. With With this tool you can compare rates from FIGO and Prudent Pet side by sideas well as other major pet insurance companies.

FIGO & Prudent Pets: Analysis of all the benefits of a dog insurance plan

The comparison chart below shows you the characteristics of pet insurance plans from FIGO and Prudent Pet, as well as many other leading pet insurance brands.

The company

Annual insurance

$5,000 or unlimited

Up to $100,000

Infinite

$5,000 or unlimited

Infinite

$10,000 or unlimited

$5,000 – $30,000

Infinite

Discounts on multiple pets?

It’s correct

What they do best

Best for custom planning

Good prices for puppies and kittens

$0 copay option. No monthly fees.

Best to Pay Vet Claims Directly

Short waiting time

Best for paying claims quickly

Best Trustpilot rating

The best plan for outstanding benefits

Quick request. Have a health plan available.

iHeartDogs customer reviews

4.3 / 5

4.6 / 5

4.7 / 5

4.5 / 5

4.1 / 5

4.4 / 5

4.5 / 5

4.1 / 5

Choosing a healthcare plan? (preventive care, eg examination, dentistry, vaccines)

It’s correct

Example quote for 1 year old 30 lb mix

$35.81 per month

$20.00 per month

$30.00 per month

68.25 USD per month

69.30 USD per month

$26.25 per month

73.46 USD per month

$42.35 per month

$15.00

Refund Amount

90%, 80% or 70%

90%

100%, 90%, 80% or 70%

90%, 80%, 70%, 60% or 50%

90%, 80% or 70%

100% or 90%

Annual deduction

$50, $100, $200, $250, $500 or $1,000

$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

iHeartDogs powered readers. When you buy through links on our site, we may earn you a free affiliate commission.

Free side-by-side quote comparison between FIGO and cautious pets

Fill out the form below to receive an optional quote comparison table between FIGO and Prudent Pet.

Frequently asked questions about FIGO Vs. Beware Pets

Dog insurance is covered by pets

Amount of Insurance: FIGO Vs. Beware Pets

Prudent Pet coverage is either $10,000 or unlimited, and FIGO coverage is up to $5,000 or unlimited. Unlimited coverage sounds better, but it requires a higher premium. A $5,000 coverage may be more appropriate for younger, healthier dogs or conventional, non-invasive treatments. $10,000 will cover most urgent procedures.

Multiple Pet Discounts: FIGO Vs. Beware Pets

Both FIGO and Prudent Pet offer discounts on multiple pets, making either insurance a good choice for parents with multiple pets looking to save. You can also use the same company for all your animals, and this pet insurance plan feature lets you do just that.

Refund amount for FIGO Vs. Careful darling?

Both of these insurers offer similar reimbursement plans, with slight differences. Prudent Pet will refund you 90%, 80% or 70%. FIGO return options are 100%, 90%, 80% or 70%. Remember: the higher your refund percentage, the higher your premiums.

Annual Deduction for FIGO Vs. Careful darling?

With Prudent Pet insurance, your deductible will be $100, $250, $500, or $1,000. FIGO 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 Pets provide a wellness plan for prevention?

This kind of comparison is rather irrelevant, as neither FIGO nor Prudent Pet currently offer a wellness option. This will include things like critical preventive care, vaccines, and dentistry, but health care plans will not cover emergencies, accidents, or pre-existing conditions.

Who’s Cheaper: FIGO or Careful Baby?

We found FIGO to only offer slightly more reasonable rates in most cases. For our example quote, FIGO removed the Prudent Pet for a 30 lb 1 year old mixed breed dog based on the Texas zip code 75001. However, keep in mind the location, the dog’s age, the breed. , gender and other factors significantly affect your valuation. The best way to know if FIGO or Prudent Pet is cheaper is run a comparative quote here.

Bottom Line: Who’s Better, FIGO or Prudent Pet?

It’s a tough call between these two competing pet insurance companies. Overall, in our conservative Pet Insurance vs FIGO comparison, we have the edge over FIGO in terms of more reasonable monthly rates and similar coverage with more reimbursement possibilities. 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 Pet with caution

[6] Customer Reviews for FIGO Pet Insurance (2022)

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

Overall FIGO received a 4.2 out of 5 Rating:

⭐ – 6 vet visits, many reasons, NO claim to pay. They find ANY reason to deny the claim. This is my third company for pet insurance – a complete waste of my money. – Katie, Frisco .’s FIGO Pet Insurance Review

⭐⭐⭐⭐ – No Claims Filed – FIGO Pet Insurance Reviewed by Dorothy, Phoenixville

⭐⭐⭐⭐⭐ – Processing requests very quickly and quickly. Paying extra for routine health care coverage – FIGO Pet Insurance reviewed by Stephanie, Independence

⭐⭐⭐⭐⭐ – I have nothing but good things to say about FIGO and the ease of claims and returns. Thanks FIGO for being there. – Glen . FIGO Pet Insurance Review

⭐⭐⭐⭐⭐ – Service from staff was excellent, Only complaint: I’ve had this insurance for years and it’s reasonable. Then FIGO switched providers in 2019 and the monthly fee doubled. Not a big deal anymore. Coverage cannot be converted because of a pre-existing condition. – Betty . FIGO Pet Insurance Review

⭐⭐⭐⭐⭐ – Excellent customer service. My request took only a few hours to process. Top class platform. Transparent pricing. Couldn’t ask for more. Every pet owner should have pet insurance, and so should Figo. – Greg’s FIGO Pet Insurance Review,

[5] Customer Reviews of Prudent Pet Insurance (2022)

iHeartDogs was created surveying our readers in 2022 about their experience with Prudent Pet and other brands. Pet insurance provider.

Overall, Prudent Pet Insurance received a 4.5 out of 5 Rating:

– This is my first time buying pet insurance and Pati has been a great help! She explained everything in an easy to understand way and was always available to answer all my questions. Would highly recommend! – Kyla

⭐⭐⭐⭐⭐ – Great Customer Service- While searching for pet insurance, I reviewed and called many services. Stephanie Toppel was really great at answering all of my questions by responding immediately and giving me straight and honest answers. Pet insurance goes a long way, and now I feel very comfortable choosing the best company for me. – Kari

⭐⭐⭐⭐⭐ – We just signed up with Prudent Pet and have been extremely impressed with them. I’ve received quotes from 6 different pet insurance companies and I love the fact that Prudent is one of the very few that offers preventative care. We have a large family so every penny counts – including annual exams, photo shoots etc because it all adds up! I received the quote Sunday afternoon from their website and the first Monday morning a customer service representative called me to follow up on my quote. No other company does that. She also spent 45 minutes on the phone with me explaining every detail of the coverage to me and letting me know my options. She answered every question I could think of and was very patient and friendly about it even though I took up a lot of her time with my incessant questions. She made me feel comfortable. I’m really excited about my dog’s new coverage, we can’t wait to see how it all goes. I’m relieved that now I don’t have to worry about some expensive bills coming up that we can’t afford. This makes it much easier for our family and gives us peace of mind that we can provide quality care for our dog at any time. – Alexandra

⭐⭐⭐⭐ – We just bought our policy so I can’t review the coverage or claims process, but the customer service is exceptional. Patricia Ostaszewski was great and assisted us with all our questions and concerns as well as setting up our policies. I would like the policy to be listed with more details regarding coverage. – Ariel

⭐⭐⭐⭐ – I just bought this pack. So far no problem. The only thing was that after I applied the info saying I would get an email for me to set up my password I didn’t receive the password so I called and they told me what to do. Everything’s fine. – Patricia