Which Is Right for Your Pet?
Choosing between Kanguro Insurance and Figo Pet Insurance comes down to more than coverage. Both help protect you from unexpected veterinary expenses, but the experience you have as a pet parent can be very different.
Kanguro Insurance combines comprehensive accident and illness coverage with Direct Pay to participating veterinarians on eligible bills over $900, bilingual human support in English and Spanish, Wellfold cashback, and annual coverage options up to Unlimited.
Figo is known for its customizable plans, optional 100% reimbursement, and 24/7 Live Vet access. The best choice depends on the features you value most, how you prefer to manage veterinary expenses, and the type of support you expect after enrolling.
This comparison looks at coverage, annual limits, claims, customer support, member benefits, and pricing to help you decide which pet insurance is the right fit for you and your pet.
How Kanguro Insurance and Figo Compare
Feature
Kanguro Insurance
Figo
Annual limit
$5,000 up to Unlimited. No maximum annual cap if you choose Unlimited.
$5,000, $10,000, or Unlimited, depending on the plan selected.
Pays the vet directly?
Yes — Direct Pay to participating veterinarians on eligible bills over $900.
No — you pay the veterinarian first, then submit a claim for reimbursement.
Veterinary exam fees
Included as part of eligible accident and illness claims.
Optional add-on. Exam fees require additional coverage.
Coverage abroad
Yes. Coverage travels with your pet at home or abroad.
Yes. Visit any licensed veterinarian worldwide and submit a claim for reimbursement.
Prescription food & supplements
Included for eligible conditions.
Not included in the base policy.
Behavioral therapy
Included in eligible Accident & Illness coverage.
Not covered.
Bilingual customer support
Real human support in English & Spanish by phone, chat, email, and app.
English-only customer support.
Cashback rewards
Wellfold cashback on eligible everyday purchases.
Not available.
Member benefits
Wellfold cashback, telemedicine 24/7, pharmacy discounts, Lost Pet Assistance, referral rewards, and more.
Pet Cloud, Live Vet, and personalized pet tag.
Kanguro Insurance details reflect current 2026 plans. Figo details are based on publicly available information as of July 2026. Coverage, benefits, and pricing may change over time. Pricing for both companies varies based on your pet's age, breed, location, and the coverage options selected.
Included Coverage vs. Optional Add-Ons
Figo gives pet owners the flexibility to customize their coverage, including optional add-ons for benefits like veterinary exam fees. That approach works well if you want to build your policy piece by piece, but it can also mean paying extra for coverage many pet owners expect to have.
Kanguro Insurance includes many of those benefits in its Accident & Illness plans, helping simplify the enrollment process and reducing the need to compare additional coverage options. Instead of deciding what to add later, you can start with comprehensive protection that's designed to cover more from day one.
Figo's Customization Has a Catch:
More Choices. More Decisions.
Choosing from multiple coverage options can be a great feature, especially if you know exactly what you're looking for. It also means spending more time comparing limits, reimbursement levels, deductibles, and optional add-ons before selecting a policy.
Kanguro Insurance starts with comprehensive plans that already include many of the benefits pet parents commonly expect. You can still customize your coverage by choosing different annual limits, deductibles, reimbursement options, and wellness plans, giving you flexibility without paying extra for essential coverage.
Why Pet Owners Switch from Figo to Kanguro Insurance
Every pet parent has different priorities, and both Kanguro Insurance and Figo offer quality pet insurance. For many dog and cat families, the decision comes down to the overall value of the policy—not just the coverage itself.
Kanguro combines comprehensive accident and illness coverage with Direct Pay to participating veterinarians on eligible bills over $900, bilingual human support, Wellfold cashback, and plans that include many of the benefits pet parents commonly expect.
The result is a policy that's easy to customize while delivering more value from the moment your coverage begins.
Why Starting With More Coverage Helps
Two pet insurance policies can offer similar annual limits, reimbursement options, and deductibles while including very different benefits.
Some insurers offer important coverages as optional add-ons, including:
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Veterinary exam fees
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Behavioral therapy
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Prescription food and supplements
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Alternative therapies
Kanguro Insurance starts with comprehensive Accident & Illness plans that already include many of these benefits. You can still customize your policy by selecting your annual limit, deductible, reimbursement level, and wellness plan, while starting with broader protection from day one.
Is Kanguro Insurance or Figo Better?
If you're looking for a pet insurance policy with extensive customization options, Figo offers flexible plans that let you tailor your coverage with different reimbursement levels, annual limits, deductibles, and optional add-ons.
If you prefer starting with more included coverage while still having the flexibility to customize your policy, Kanguro Insurance is the stronger choice.
Comprehensive Accident & Illness plans, Direct Pay to participating veterinarians on eligible bills over $900, bilingual human support, telemedicine 24/7, Wellfold cashback, and everyday member benefits give pet owners more value from the moment their coverage begins.
Which Pet Insurance Is Right for You?
Kanguro Insurance and Figo both offer customizable pet insurance. Here's a quick comparison to help you decide which provider is the best fit for your pet.
If you're looking for... Best choice
More included coverage from the start Kanguro Insurance
Direct Pay to participating veterinarians Kanguro Insurance
Bilingual customer support Kanguro Insurance
Prescription food & supplement coverage Kanguro Insurance
Behavioral therapy included Kanguro Insurance
Wellfold cashback rewards Kanguro Insurance
Unlimited annual coverage Both
24/7 veterinary telehealth Both
Flexible coverage options Both
Optional 100% reimbursement Both
Coverage that travels with your pet abroad Kanguro Insurance
See Why Pet Parents Recommend Kanguro Insurance
Thousands of pet parents have trusted Kanguro Insurance to help protect their pets with comprehensive coverage, real human support, and benefits they use every day.
Frequently
Asked Questions
*This comparison is based on publicly available information about Figo Pet Insurance as of July 2026 and is intended to summarize program features rather than a specific policy. Figo Pet Insurance is a registered trademark of Figo Pet Insurance LLC. Kanguro Insurance is not affiliated with Figo Pet Insurance. We strive to provide fair and accurate comparison information. If you believe any information is inaccurate, please contact us at customerservice@kanguroinsurance.com. Coverage under any pet insurance policy is subject to the terms, conditions, limitations, exclusions (including pre-existing conditions), and policy documentation issued by the insurer. Accident and illness coverage, as well as preventive and wellness plans, are administered by Kanguro Insurance LLC as general managing agent and underwritten by Cimarron Insurance Company. Coverage terms, pricing, and availability vary by state and are subject to change. Premiums vary based on your pet's age, breed, location, and the coverage selected.