Updated September 28, 2026 · SumCue Editorial Team
Figo vs LV=
Figo
LV=
Higher score in this comparison
What sets them apart
| Compare | FigoReviewSee alternativesSee alternatives | LV=ReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Pet | Auto, Home, Pet, Travel, LifeCovers more |
| Provider type | Broker | Insurer |
| Monthly payments | Yes | Not confirmed |
| Cover limit | USD 5,000 to unlimited per year (Essential $5,000, Preferred $10,000, Ultimate unlimited) | Not confirmed |
| Claims channels | Mobile app (Pet Cloud), Online claim tracker, Email, Phone | Not confirmed |
| Age range | Policyholders 18 or older; pets covered from 8 weeks with no upper age limit | Not confirmed |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- LV= scores higher overall: 9.6 vs 8.9.
- Insurance types: only LV= offers Auto, Home, Travel.
Our verdict on each
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.
LV=
LV= is a UK insurer built for seniors, offering auto, home, pet, travel and life cover from one provider (auto, home and pet). It suits UK households that want every policy under one roof and value a long trading record, having traded as an insurer since 1843.
Score breakdown
| Area | Figo | LV= |
|---|---|---|
| Cost | 9.1 | Not confirmed |
| Offer | 8.7 | 9.3Higher |
| Trust | 8.7 | 9.7Higher |
How they place
| Ranking | Figo | LV= |
|---|---|---|
| Insurance | 326 of 627 | 60 of 627 |
| Pet insurance | 87 of 157 | 13 of 157 |
Every fact side by side
| Fact | Figo | LV= |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Not confirmed |
| Legal entity | Figo Pet Insurance, LLC | Liverpool Victoria Financial Services Ltd |
| Headquarters | United States | United Kingdom |
| Founded | Not confirmed | 1843 |
| Support channels | Email, Phone | Not confirmed |
Pros and cons
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.
LV=
Pros
- One insurer covers auto, home, pet, travel and life, so several policies can sit with the same provider (auto, home and pet).
- A long trading record as an insurer, dating back to 1843.
- Policies are issued by a named legal entity, Liverpool Victoria Financial Services Ltd (Liverpool Victoria Financial Services Ltd).
Cons
- Cover runs to auto, home, pet, travel and life only, so health and gadget policies sit outside the listed set (auto, home and pet).
- The listed audience is seniors, so a younger household falls outside the stated focus (seniors).
Who each suits
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.
LV=
Who it suits
- UK households who would rather place their car, home, pet, travel and life policies with one provider (auto, home and pet).
- Seniors comparing a range shaped around older customers (seniors).
- People who put weight on longevity and on knowing the entity that issues the policy (1843, Liverpool Victoria Financial Services Ltd).
Who should look elsewhere
- Anyone after health or gadget cover, as those types sit outside the listed set of auto, home, pet, travel and life (auto, home and pet).
- Life-only shoppers who would find Linxea's single listed type a tighter fit (life).
- Readers who want travel paired with gadget cover, the mix EuroAsia Insurance lists (auto, home and travel).
Country by country
| Country | Figo | LV= |
|---|---|---|
| United Kingdom | No | Yes |
| United States | Yes | No |
Questions about each
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.
LV=
What kinds of insurance does LV= sell?+
Its listed cover spans auto, home, pet, travel and life, which lets a household place several policies with the same provider (auto, home and pet). Auto and home sit alongside smaller lines such as pet and travel, plus life cover for the longer term. Each policy keeps its own terms, so read them one by one.
Who is LV= aimed at?+
The listed audience is seniors, so the range is shaped around older households rather than every age group (seniors). Younger buyers can still find car, home, pet and travel lines in the same list, but the audience focus is what separates this brand from the other names compared here.