Figo and Pumpkin both offer accident-and-illness coverage with strong reimbursement rates, but they differ in payout structure, waiting periods, and what’s included on the base plan. Figo is known for its 100% reimbursement option and unlimited annual payouts on higher tiers, while Pumpkin offers a simpler flat 90% rate with strong dental and preventive care coverage. Here’s how they compare.
Quick Comparison
| Feature | Figo | Pumpkin |
|---|---|---|
| Reimbursement rate | Up to 100%, with copay options | Flat 90% |
| Annual limit | Unlimited (higher tiers) | $10,000–$20,000 |
| Accident waiting period | 1 day | Standard (a few days) |
| Orthopedic waiting period | 6 months (waivable with vet exam) | Standard illness waiting period (14 days) |
| Dental illness coverage | Limited | Yes, including periodontal cleanings |
| Preventive care | Optional add-on | Optional Preventive Essentials pack |
| Starting price (sample dog) | ~$45/mo | ~$35/mo |
Sample prices for a young, mixed-breed dog in a mid-sized U.S. city. Your actual quote will depend on your pet’s age, breed, location, and the deductible/reimbursement combination you choose.
How We Compared These Plans
This comparison is based on the publicly available plan documents, sample policies, and rate information published by Figo and Pumpkin on their official websites, with a focus on reimbursement structure, annual limits, waiting periods, and dental coverage — the areas where these two providers diverge most.
Where Figo Wins
Up to 100% reimbursement. Figo offers a 100% reimbursement option with zero copay on select plans — Pumpkin’s 90% flat rate, while simple, leaves you covering 10% of every bill regardless of plan tier.
Unlimited annual payouts. Figo’s higher-tier plans offer unlimited annual coverage, well above Pumpkin’s $10,000–$20,000 caps — relevant for a worst-case scenario involving major surgery or a long-term chronic condition.
One-day accident waiting period. Figo’s accident coverage kicks in just one day after enrollment, among the shortest in the industry.
Where Pumpkin Wins
Dental illness coverage. Pumpkin covers dental illness, including periodontal cleanings at any stage (if not pre-existing), directly on its base plan — Figo’s dental coverage is more limited.
Lower starting price. Pumpkin generally starts cheaper than Figo for a comparable young pet, even though Figo’s top-tier reimbursement and limits are higher.
No long orthopedic waiting period. Figo applies a six-month waiting period for orthopedic conditions in dogs (sometimes waivable with a vet exam), while Pumpkin’s orthopedic conditions fall under its standard 14-day illness waiting period.
Generous claim filing window. Pumpkin’s 270-day window gives you much more time to file a claim after treatment than is typical industry-wide.
Coverage and Exclusions
Both Figo and Pumpkin exclude pre-existing conditions, as is standard. The biggest practical trade-off is between Figo’s higher reimbursement ceiling (100% reimbursement, unlimited annual payouts) and Pumpkin’s broader day-to-day inclusions (dental illness coverage, shorter effective waiting periods for orthopedic issues, and a longer claim-filing window).
If your dog is a breed prone to orthopedic issues like cruciate ligament tears or hip dysplasia, Figo’s six-month orthopedic waiting period (even with a possible waiver) is worth weighing against Pumpkin’s standard 14-day illness waiting period, which applies to orthopedic conditions as well.
Which Should You Choose?
- Choose Figo if: you want the highest possible reimbursement rate (up to 100%) and unlimited annual payouts, and you’re comfortable with its waiting period structure for orthopedic conditions.
- Choose Pumpkin if: dental disease coverage matters, you want a shorter effective wait for orthopedic conditions, or you prefer a lower starting price with a simple flat 90% reimbursement.
Both are reputable providers with strong reimbursement rates relative to many competitors. Get a personalized quote from each based on your pet’s age, breed, and location.
Frequently Asked Questions
Does Figo really offer 100% reimbursement?
Yes, on select plans with a zero-copay option, Figo can reimburse up to 100% of covered costs after your deductible. This typically comes with a higher premium than lower reimbursement tiers.
Does Pumpkin offer unlimited coverage?
No. Pumpkin’s annual limits range from $10,000 to $20,000, while Figo offers unlimited annual coverage on its higher-tier plans.
Why does Figo have a six-month orthopedic waiting period?
Orthopedic conditions like cruciate ligament tears and hip dysplasia can develop gradually, so insurers often apply longer waiting periods to ensure the condition wasn’t already developing before coverage began. Figo may waive this waiting period if a vet exam during that window shows no signs of the condition.
Which has better dental coverage, Figo or Pumpkin?
Pumpkin has notably broader dental illness coverage, including periodontal cleanings at any stage of disease (if not pre-existing), while Figo’s dental coverage is more limited.
Our Disclaimer
This article is for informational purposes only and does not constitute financial, veterinary, or insurance advice. We are not a licensed insurance agency, and nothing on this page should be taken as a guarantee of coverage, pricing, or claim outcomes. Pet insurance pricing, reimbursement rates, coverage limits, and exclusions vary by state, by pet, and change frequently — always review the official policy documents and get a personalized quote directly from the provider before purchasing a plan. We may earn a commission if you sign up for a plan through links on this page, at no additional cost to you. This does not influence our rankings or opinions, which are based on our independent research of publicly available plan information.
Last updated: June 2026.