What are the key differences between Figo and Spot pet insurance?

Figo offers a unique "Pet Cloud" feature in their mobile app that allows pet owners to manage their pet's health records, appointments, and insurance claims, while Spot does not have a comparable app-based management tool.

Figo's accident-only plan provides higher coverage limits up to $10,000 annually, while Spot's accident-only plan is capped at $5,000 per year.

Spot offers more flexibility in deductible and reimbursement rate options, allowing customers to customize their plan to better suit their budget and preferences.

Figo covers a wider range of conditions and treatments, including alternative therapies like acupuncture and hydrotherapy, whereas Spot's coverage is more focused on standard veterinary care.

Spot provides a 30-day money-back guarantee, which Figo does not offer, giving customers a risk-free trial period.

Figo has a faster claims reimbursement process, with customers able to receive payouts within 24 hours through their mobile app, while Spot's claims processing time is slightly longer.

Spot's plans include coverage for hereditary and congenital conditions after a waiting period, a feature that Figo's policies do not include.

Both Figo and Spot exclude pre-existing conditions from their coverage, but Spot's policies have a more lenient approach to defining pre-existing conditions.

Figo's wellness plan offers more comprehensive coverage for routine care services, such as annual checkups and vaccinations, compared to Spot's optional wellness add-on.

Spot provides coverage for pets of all ages, while Figo has age restrictions, with no new enrollments accepted for pets over 14 years old.

Figo's accident-only plan has a lower monthly premium compared to Spot's accident-only plan, but Spot's accident and illness plan may be more affordable for some pet owners.

Spot's customer service model is primarily phone-based, while Figo emphasizes a digital-first approach with the majority of interactions and claims handling done through their mobile app.