Updated September 28, 2026 · SumCue Editorial Team
Figo vs MiWay
Figo
MiWay
Higher score in this comparison
What sets them apart
| Compare | FigoReviewSee alternativesSee alternatives | MiWayReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Pet | Auto, Home, Renters, Pet, Motorcycle, Breakdown, Home emergencyCovers more |
| Provider type | Broker | Insurer |
| Cover limit | USD 5,000 to unlimited per year (Essential $5,000, Preferred $10,000, Ultimate unlimited) | R15,000 to R60,000 per policy (pet annual limits) |
| Claims channels | Mobile app (Pet Cloud), Online claim tracker, Email, Phone | Mobile app, Self service portal, Phone, Whatsapp, Online form |
| Age range | Policyholders 18 or older; pets covered from 8 weeks with no upper age limit | 0-12 years (pet insurance: 0-8 years for Premium and Core, 0-12 years for Accident) |
| Excess from | Not confirmed | ZAR 5,000 |
Same on both: Monthly payments (Yes).
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Key differences
- MiWay scores higher overall: 9.3 vs 8.9.
- Insurance types: only MiWay offers Auto, Home, Renters.
- Claims channels: only Figo offers Mobile app (Pet Cloud), Online claim tracker, Email.
- Claims channels: only MiWay offers Mobile app, Self service portal, Whatsapp.
- Support channels: only MiWay offers Chat, Help centre, Community.
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.
MiWay
Miway is a South African insurer rather than a broker, which suits households and drivers who want car, home, renters, pet, motorcycle, breakdown and home emergency cover in one place. Claims run through mobile app, self service portal and phone, and the car excess starts at ZAR 5,000.
Score breakdown
| Area | Figo | MiWay |
|---|---|---|
| Cost | 9.1Higher | 8.7Car excess starts at ZAR 5,000, and pet annual limits run R15,000 to R60,000 per policy (pet annual limits). |
| Offer | 8.7 | 9.8Higher |
| Trust | 8.7 | 9.5Higher |
What each covers
| Insurance types | Figo | MiWay |
|---|---|---|
| Auto | No | Yes |
| Home | No | Yes |
| Renters | No | Yes |
| Pet | Yes | Yes |
| Motorcycle | No | Yes |
| Breakdown | No | Yes |
| Home emergency | No | Yes |
Positions in our rankings
| Ranking | Figo | MiWay |
|---|---|---|
| Insurance | 326 of 627 | 140 of 627 |
| Pet insurance | 87 of 157 | 34 of 157 |
What we checked
Figo
- figopetinsurance.com: 10 facts, checked September 26, 2026
MiWay
- miway.co.za: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | Figo | MiWay |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Figo Pet Insurance, LLC | Miway Insurance Limited |
| Headquarters | United States | South Africa |
| Support channels | Email, Phone | Phone, Chat, Help centre, Email, CommunityCovers more |
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.
MiWay
Pros
- Miway underwrites the policies itself as an insurer, so cover comes from Miway Insurance Limited rather than another carrier
- One insurer covers auto, home and renters
- Claims can be raised through mobile app, self service portal and phone without a branch visit
Cons
- The car excess starts at ZAR 5,000, so smaller claims leave you to pay
- Support runs on phone, chat and help centre only, with no in person option
- Pet cover carries an age cap, and the Premium and Core options cap it lower than Accident
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.
MiWay
Who it suits
- South African households with several policies to place, since the range covers auto, home and renters
- Drivers and pet owners who want monthly premiums from a single insurer
- Claimants who prefer an app and WhatsApp to paperwork, since claims run through mobile app, self service portal and phone
Who should look elsewhere
- Life cover seekers: Linxea writes life
- Anyone after health or gadget cover: Oney Préstamos ES offers health, life and gadget
- Travellers comparing cover: EuroAsia Insurance includes auto, home and travel
Current offers
MiWay
Current offer
Bonus
We'll beat your premium or give you up to R2,000: Up to R2,000
Ts & Cs apply; page links to the R2000 dare terms
Source, checked September 26, 2026
Discount code
Insure 2 or more cars and save on your premium: 25% (2 cars) up to 100% (5+ cars) off the lowest premium
Applies when insuring multiple cars with Miway
Source, checked September 26, 2026
Bonus
MiCashback: 10% of premiums back every 2 years
No break in your cover and no claims; Ts & Cs apply
Source, checked September 26, 2026
Country by country
| Country | Figo | MiWay |
|---|---|---|
| South Africa | 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.
MiWay
What does Miway actually insure?+
Miway writes a broad personal book: auto, home and renters all sit under the same brand. That means a driver, a tenant and a pet owner can each find a policy without moving to another company, and Miway Insurance Limited is the entity behind every line.
What is the excess on car insurance?+
The excess starts at ZAR 5,000 on the car policies, which is the amount you contribute towards a claim. Budget for that on minor damage, and check your own policy wording, since a lower excess option can change the premium.
Other options to compare
Figo
MiWay