Haven Pet Insurance vs Figo Pet Insurance
A factual, side-by-side look at coverage, deductibles, reimbursement, limits and waiting periods. We do not declare a universal winner.
Quick comparison
| Feature | Haven Pet Insurance | Figo |
|---|---|---|
| Plans | Illness and injury insurance coverage, with an optional Wellness Plan add-on for routine care. Haven states the Wellness Plan is a routine care benefit plan and is not insurance. | Figo offers three main plans: Essential ($5,000 annual benefit), Preferred ($10,000 annual benefit) and Ultimate (unlimited annual benefits). Customers can customize their coverage with their deductible and reimbursement percentage. Optional Powerups can add benefits such as veterinary exam fee coverage and wellness care. |
| Coverage | Covered vet bills at any licensed vet in the U.S. Haven states coverage is subject to the policy’s terms, conditions, limitations, exclusions, waiting periods, deductibles and reimbursement limits. | Figo coverage can include eligible accidents, illnesses, chronic conditions, hereditary and congenital conditions, cancer treatments, surgeries, specialist treatments, diagnostic services, prescription medications, dental illness and injury, and certain holistic or alternative treatments. Figo does not cover pre-existing conditions in general, but states that some curable pre-existing conditions may become eligible for coverage after the condition has been symptom- and treatment-free for 12 months. Figo also states that its plans have no per-incident caps. |
| Deductibles | Annual deductible. Haven’s current official calculator shows $250 and $500 annual deductible options. Options may vary by state and policy. | Figo uses an annual deductible. Once the selected annual deductible has been met, the deductible does not apply again for the remainder of that policy year. Published Figo materials show deductible options ranging from $100 to $750, with the available options depending on the policy and state. |
| Reimbursement | Up to 90% of covered vet bills (Haven marketing). The reimbursement level you choose is shown in your policy. | Figo offers reimbursement options of up to 100% of eligible covered veterinary expenses. The reimbursement percentage is selected as part of the policy and works together with the annual deductible and selected annual benefit limit. |
| Annual limits | No lifetime caps (Haven marketing). Annual limit options are not listed in Haven’s published materials, so confirm them in your quote and policy. | Figo offers three annual benefit levels: $5,000, $10,000 and Unlimited. Figo describes these as the maximum amount that can be reimbursed for eligible veterinary expenses during the policy year. Figo does not use per-incident caps on its plans. |
| Waiting periods | Waiting periods vary by state, policy and underwriting carrier. In a Haven policy example underwritten by Trisura Insurance Company: accidents 0 days, illnesses 14 days, and orthopedic conditions not caused by an accident or injury 30 days. Haven also advertises that coverage can begin as early as the next day, but the applicable waiting periods still apply. | Figo states that its standard waiting period for accident-related injuries is 1 day. Its published materials also describe a 14-day illness waiting period and a 6-month orthopedic-condition waiting period. Figo offers an Orthopedic Conditions waiver through Pet Cloud that can eliminate the six-month orthopedic waiting period when the applicable requirements are met within the first 30 days of the policy. Waiting-period terms can vary by state and policy. |
| Dental | Haven’s official calculator includes routine dental cleaning as a Wellness Plan benefit. Routine cleaning is not automatically included in the standard insurance coverage. Coverage for dental illness and injury is determined by the applicable policy. | Figo lists dental illness and dental injury among its covered areas. Routine dental care is available through the optional Wellness Powerup, which can provide benefits for dental cleanings and other preventative care. Coverage and benefits vary by policy and state. |
| Prescription coverage | Medications are included among covered veterinary expenses under Haven’s Illness & Injury coverage, subject to the policy terms and the applicable prescription formulary. | Prescription medications for eligible covered conditions are included in Figo’s pet insurance coverage. Figo specifically lists prescription medications among its covered benefits and states that they are included without an additional cap. |
| Wellness | Optional Wellness Plan add-on for routine care. Haven states it is a routine care benefit plan and is not insurance. The services and amounts included are set out in the plan. | Figo offers an optional Wellness Powerup for preventative and routine care. Depending on the applicable plan and state, wellness benefits can include routine exams, vaccines, spaying or neutering, dental care, and other preventative services. Wellness coverage is separate from insurance coverage for unexpected accidents and illnesses. |
| Exam fees | Not verified Whether exam fees for covered conditions are reimbursed is not stated in Haven’s published materials. | Veterinary exam fee coverage is available through an optional Powerup rather than automatically included in every policy. |
| Pre-existing conditions | Haven states that pre-existing conditions are not covered. | Pre-existing conditions are generally not covered. Figo states that some curable pre-existing conditions may become eligible after the condition has been symptom- and treatment-free for 12 months. |
| Claims | Claims can be submitted through Haven’s online member portal. Haven states that policyholders can submit claims online and receive reimbursement for covered vet expenses within a few days, subject to claim review and policy terms. Direct payment to vets has not been confirmed. | Figo uses a reimbursement model. Pet owners can visit any licensed veterinarian, including specialists and emergency veterinary hospitals, and then submit eligible veterinary bills for reimbursement. Claims can be submitted through Figo’s mobile app, with claim status available through its tracking tools. Figo reports that most claims close in approximately 3 working days, based on its 2025 claims data. After an approved claim, reimbursement is paid directly to the policyholder’s bank account. |
Coverage
How to compare: Read the covered and excluded lists in each sample policy.
| Feature | Haven Pet Insurance | Figo |
|---|---|---|
| Coverage | Covered vet bills at any licensed vet in the U.S. Haven states coverage is subject to the policy’s terms, conditions, limitations, exclusions, waiting periods, deductibles and reimbursement limits. | Figo coverage can include eligible accidents, illnesses, chronic conditions, hereditary and congenital conditions, cancer treatments, surgeries, specialist treatments, diagnostic services, prescription medications, dental illness and injury, and certain holistic or alternative treatments. Figo does not cover pre-existing conditions in general, but states that some curable pre-existing conditions may become eligible for coverage after the condition has been symptom- and treatment-free for 12 months. Figo also states that its plans have no per-incident caps. |
Price
Prices depend on your pet’s species, breed, age and ZIP code and on the deductible, reimbursement rate and annual limit chosen. Compare estimates for your own pet at identical settings rather than relying on a single average.
Deductibles
How to compare: Annual, per-condition or lifetime, and the amounts offered.
| Feature | Haven Pet Insurance | Figo |
|---|---|---|
| Deductibles | Annual deductible. Haven’s current official calculator shows $250 and $500 annual deductible options. Options may vary by state and policy. | Figo uses an annual deductible. Once the selected annual deductible has been met, the deductible does not apply again for the remainder of that policy year. Published Figo materials show deductible options ranging from $100 to $750, with the available options depending on the policy and state. |
Reimbursement
How to compare: The percentages offered and how payouts are calculated.
| Feature | Haven Pet Insurance | Figo |
|---|---|---|
| Reimbursement | Up to 90% of covered vet bills (Haven marketing). The reimbursement level you choose is shown in your policy. | Figo offers reimbursement options of up to 100% of eligible covered veterinary expenses. The reimbursement percentage is selected as part of the policy and works together with the annual deductible and selected annual benefit limit. |
Annual limits
How to compare: Fixed or unlimited, and any per-condition or lifetime caps.
| Feature | Haven Pet Insurance | Figo |
|---|---|---|
| Annual limits | No lifetime caps (Haven marketing). Annual limit options are not listed in Haven’s published materials, so confirm them in your quote and policy. | Figo offers three annual benefit levels: $5,000, $10,000 and Unlimited. Figo describes these as the maximum amount that can be reimbursed for eligible veterinary expenses during the policy year. Figo does not use per-incident caps on its plans. |
Waiting periods
How to compare: Accident, illness and orthopedic waiting periods.
| Feature | Haven Pet Insurance | Figo |
|---|---|---|
| Waiting periods | Waiting periods vary by state, policy and underwriting carrier. In a Haven policy example underwritten by Trisura Insurance Company: accidents 0 days, illnesses 14 days, and orthopedic conditions not caused by an accident or injury 30 days. Haven also advertises that coverage can begin as early as the next day, but the applicable waiting periods still apply. | Figo states that its standard waiting period for accident-related injuries is 1 day. Its published materials also describe a 14-day illness waiting period and a 6-month orthopedic-condition waiting period. Figo offers an Orthopedic Conditions waiver through Pet Cloud that can eliminate the six-month orthopedic waiting period when the applicable requirements are met within the first 30 days of the policy. Waiting-period terms can vary by state and policy. |
Dental
How to compare: Injury, illness and routine dental coverage.
| Feature | Haven Pet Insurance | Figo |
|---|---|---|
| Dental | Haven’s official calculator includes routine dental cleaning as a Wellness Plan benefit. Routine cleaning is not automatically included in the standard insurance coverage. Coverage for dental illness and injury is determined by the applicable policy. | Figo lists dental illness and dental injury among its covered areas. Routine dental care is available through the optional Wellness Powerup, which can provide benefits for dental cleanings and other preventative care. Coverage and benefits vary by policy and state. |
Claims
How to compare: How to file, how long it takes, and payment methods.
| Feature | Haven Pet Insurance | Figo |
|---|---|---|
| Claims | Claims can be submitted through Haven’s online member portal. Haven states that policyholders can submit claims online and receive reimbursement for covered vet expenses within a few days, subject to claim review and policy terms. Direct payment to vets has not been confirmed. | Figo uses a reimbursement model. Pet owners can visit any licensed veterinarian, including specialists and emergency veterinary hospitals, and then submit eligible veterinary bills for reimbursement. Claims can be submitted through Figo’s mobile app, with claim status available through its tracking tools. Figo reports that most claims close in approximately 3 working days, based on its 2025 claims data. After an approved claim, reimbursement is paid directly to the policyholder’s bank account. |
Pros and limitations
Haven Pet Insurance
Up to 90% reimbursement and no lifetime caps (Haven marketing). Use any licensed vet in the U.S. You can cancel anytime (terms may vary by state). Optional Wellness Plan for routine care.
Pre-existing conditions are not covered. Products, coverage options and cancellation terms vary by state. The Wellness Plan is not insurance. Deductibles, waiting periods and age limits are not published on Haven’s website, so you need the quote and policy to compare them.
Figo
Up to 100% reimbursement. Annual deductible structure. Deductibles ranging from $100 to $750. $5,000, $10,000 or unlimited annual benefits. No per-incident claim caps. No upper age limit for enrollment. One-day accident waiting period. Optional Wellness Powerup. Prescription medications included. Dental illness and injury coverage. Option to use any licensed veterinarian, including specialists and emergency hospitals. Mobile claim submission and claim tracking. Figo reports most claims close in approximately three working days.
Coverage, pricing, deductibles and available options can vary by state. Pre-existing conditions are generally excluded. The standard orthopedic waiting period can be six months unless the applicable waiver requirements are met. Wellness coverage is an optional add-on rather than part of the core accident and illness coverage. Some benefits, including veterinary exam fee coverage, are available through optional coverage rather than automatically included in every policy.
Who each option may suit
Haven Pet Insurance
Pet parents who want illness and injury coverage they can use at any licensed U.S. vet, with up to 90% reimbursement and no lifetime cap, and who will check the deductible, waiting periods and age rules in the policy for their state before buying.
Figo
Pet owners who want customizable accident and illness coverage, an annual deductible, reimbursement options of up to 100%, and the ability to choose between $5,000, $10,000 or unlimited annual benefits. It may also appeal to owners who want optional preventative care, dental coverage and prescription coverage.
Whichever you compare, hold the deductible, reimbursement rate and annual limit constant so differences reflect the plans and not the settings.
Frequently asked questions
Is Haven Pet Insurance or Figo better?
Neither is better for everyone. The right choice depends on your pet’s age and breed, your budget, and which benefits you care about most. Compare the same deductible, reimbursement rate and annual limit for both, then review exclusions and waiting periods.
Which is cheaper, Haven Pet Insurance or Figo?
Price depends on your pet and the plan settings you choose, so it can differ from one pet to the next. Compare personalized estimates for your pet on identical settings.
Are Haven Pet Insurance and Figo both available in every state?
Not necessarily. Both Haven Pet Insurance and Figo state that availability and policy terms vary by state, so check the quote and policy for your state.
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