Updated September 29, 2026 · SumCue Editorial Team
Europ Assistance vs Figo
Europ Assistance
Higher score in this comparison
Figo
Where Europ Assistance and Figo differ
| Compare | Europ AssistanceReviewSee alternativesSee alternatives | FigoReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Travel, Auto, Home, Health, Home emergency, Breakdown, Dental | Pet |
| Provider type | Insurer | Broker |
| Claims channels | Phone | Mobile app (Pet Cloud), Online claim tracker, Email, PhoneCovers more |
| Monthly payments | Not confirmed | Yes |
| Cover limit | Not confirmed | USD 5,000 to unlimited per year (Essential $5,000, Preferred $10,000, Ultimate unlimited) |
| Age range | Not confirmed | Policyholders 18 or older; pets covered from 8 weeks with no upper age limit |
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Key differences
- Europ Assistance scores higher overall: 9.2 vs 8.9.
- Europ Assistance is licensed in 1 more country.
- Insurance types: only Europ Assistance offers Travel, Auto, Home.
- Insurance types: only Figo offers Pet.
- Claims channels: only Figo offers Mobile app (Pet Cloud), Online claim tracker, Email.
Our verdict on each
Europ Assistance
Europ Assistance is a French insurer aimed at seniors who want travel, motor, home, health, home emergency, breakdown and dental cover from the same provider, and it has traded since 1963. Claims run on phone only, so help is a phone call away.
Figo
Figo is a broker for pet insurance based in the US, taking the policy to the insurer rather than carrying the risk itself. It suits owners who pay monthly and claim from the app, and the median starting premium across the pet insurance comparison is €9.
Score breakdown
| Area | Europ Assistance | Figo |
|---|---|---|
| Cost | Not confirmed | 9.1 |
| Offer | 8.7 | 8.7 |
| Trust | 9.5Higher | 8.7 |
How they place
| Ranking | Europ Assistance | Figo |
|---|---|---|
| Insurance | 167 of 627 | 326 of 627 |
Every fact side by side
| Fact | Europ Assistance | Figo |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Not confirmed | Monthly |
| Legal entity | Europ Assistance SAS | Figo Pet Insurance, LLC |
| Headquarters | France | United States |
| Founded | 1963 | Not confirmed |
| Support channels | Phone, Email | Email, Phone |
Pros and cons
Europ Assistance
Pros
- Covers travel, auto and home, from holidays to a home emergency or a broken-down car.
- Support runs on phone and email, so help comes by phone or by email.
- Claims run on phone, which suits people who prefer to speak to someone.
Cons
- Claims run on phone only, so there is no written route for making a claim.
- Support is limited to phone and email, with no chat or self-service option listed.
- The audience is seniors, so it is a specialist pick rather than a policy for every household.
Figo
Pros
- Claims can be filed through mobile app (Pet Cloud), online claim tracker and email, so a claim is not tied to a single channel.
- Cover is sold as pet insurance on a monthly basis, and monthly payments are available.
- Licensed in the US by the California Department of Insurance, the Texas Department of Insurance, the Florida Office of Insurance Regulation, the New York Department of Financial Services and the Illinois Department of Insurance.
Cons
- Figo is a broker, so the cover and its terms sit with the insurer rather than with Figo.
- Policy help runs on email and phone, with no live chat listed for questions.
- Essential and Preferred cap annual cover, and only the Ultimate plan is unlimited.
Who each suits
Europ Assistance
Who it suits
- Seniors and older households who want travel, home, health and dental cover from the same provider.
- People who would rather call phone than fill in forms after a problem.
- Households running several small policies across travel, auto and home and looking to simplify.
Who should look elsewhere
- Anyone shopping for life cover: Linxea writes life policies.
- Buyers who want a lender alongside the policy: Oney Préstamos ES covers health, life and gadget.
- People focused on motor and travel abroad: Euroasia Insurance lists auto, home and travel.
Figo
Who it suits
- US pet owners who pay monthly rather than settling a year of cover at once.
- Owners comfortable claiming through mobile app (Pet Cloud), online claim tracker and email.
- Owners of older pets, since there is no upper age limit on cover.
Who should look elsewhere
- Shoppers after life cover, since Linxea sells life and Figo sells pet only.
- People after health or gadget policies, since Oney Préstamos offers health, life and gadget.
- Buyers after home, auto or travel insurance, since EuroAsia Insurance offers auto, home and travel.
Country by country
| Country | Europ Assistance | Figo |
|---|---|---|
| United States | No | Yes |
Questions about each
Europ Assistance
Who does Europ Assistance write cover for?+
The audience is seniors, and the listed product range is travel, auto and home. That mix leans on home emergencies, breakdowns, travel and dental work rather than large motor policies, so it reads as an assistance-led insurer for older households.
How do I make a claim?+
Claims run on phone, so a claim starts with a call rather than a form. General support is wider, at phone and email, but the written channel is not offered for claims. Keep your policy details handy before you dial, since the listed claim channel is voice only.
Figo
What kind of insurance is Figo?+
Figo covers pet insurance only, and it works as a broker rather than an insurer, so policies sit with the carrier it places you with. The company is based in the US and holds licences in several US states.
How much does a Figo policy cost?+
Pricing is set by the insurer Figo places the policy with, so the quote comes at the point of sign-up. As a guide, the median starting premium in the pet insurance comparison is €9, and the highest starting premium in that category reaches €670.88.
Other options to compare
Other matchups
Europ Assistance
Figo