Selecting between ASPCA and Figo for pet insurance coverage might be tough, particularly should you’re in search of one of the best stability of protection, affordability, and declare processing pace. Each suppliers supply complete accident and sickness plans with versatile deductibles and reimbursement choices, however their variations may make one a greater match relying in your pet’s wants.
ASPCA stands out with its extremely customizable accident-only plan, which isn’t an possibility with Figo. However, Figo presents a greater reimbursement charge (as much as 100%) and sooner claims processing. If you happen to’re questioning which is the higher alternative, this comparability breaks down their protection, pricing, customer support, and extra that can assist you resolve.
*States are steadily adopting a Mannequin Regulation for pet insurance coverage, aiming to standardize laws, together with uniform ready intervals. In California, Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, Washington, Rhode Island, and Maryland, ready intervals are:
- Accidents: 0 days
- Sicknesses: 14 days
- Cruciate Ligament Situations: 30 days
- Routine Care: 0 days
Protection Comparability
ASPCA Pet Well being Insurance coverage and Figo each supply complete accident and sickness protection throughout all 50 states, masking a variety of circumstances and coverings. Their insurance policies embody protection for emergency care, hospital stays, surgical procedures, specialised exams, and superior diagnostics like blood exams, X-rays, ultrasounds, CT scans, and MRIs. In addition they cowl persistent circumstances, hereditary and congenital problems, most cancers therapies, prescription medicines, and non-routine dental care. Nevertheless, pre-existing circumstances, elective beauty procedures (akin to ear cropping and tail docking), being pregnant, and breeding* are usually excluded from protection.
*Figo is likely one of the solely suppliers to cowl issues from breeding, however provided that the breeding falls after the fourteenth day after the efficient date of your preliminary coverage.
Figo stands out with a shorter one-day ready interval for accidents, in comparison with ASPCA’s 14-day ready interval for each accidents and sicknesses. Figo additionally has a 14-day ready interval for sicknesses. Each suppliers supply some flexibility for curable pre-existing circumstances—ASPCA covers them after 180 days with out signs or therapy, apart from knee and ligament circumstances, which stay excluded. Figo requires a full yr with out indicators or signs for a situation to be thought-about curable and eligible for protection.
ASPCA presents the choice to add a wellness plan to assist cowl preventive care bills like vaccines, annual exams, dental cleanings, and flea/tick prevention. Figo additionally supplies elective add-ons referred to as Powerups, which embody a Wellness Powerup for routine care and a Vet Examination Charges Powerup to assist cowl examination prices for coated circumstances. Examination charges are included in ASPCA’s base coverage at no further cost.
For dental protection, ASPCA and Figo each cowl non-routine dental therapies, together with tooth extractions and trauma-related accidents. Nevertheless, ASPCA doesn’t cowl gum illness or endodontic illness, whereas Figo contains some dental sickness protection however excludes tooth extractions attributable to sickness and developmental abnormalities.
In the end, each ASPCA and Figo supply sturdy accident and sickness protection, however key variations in ready intervals, dental protection, and elective add-ons might make one a greater match. Figo supplies extra complete dental protection and a shorter accident ready interval, whereas ASPCA covers dietary supplements and prescription meals, which could possibly be beneficial relying in your pet’s wants.
Premiums & Pricing
Pricing for pet insurance coverage varies based mostly on components like your pet’s age, breed, location, and the protection choices you select. Each ASPCA and Figo supply versatile plans that may be tailor-made to completely different budgets, however their pricing constructions differ.
Figo sometimes presents decrease premiums and the choice for limitless payouts, whereas ASPCA supplies annual payout limits between $2,500 and $10,000. ASPCA’s payout caps may result in greater out-of-pocket bills for pricey therapies.
Each suppliers use an annual deductible, that means you’ll solely want to fulfill it as soon as per coverage yr, whatever the variety of claims. This may be useful for pets with a number of well being points in a given yr. Moreover, each corporations cost a $2 month-to-month transaction payment, which might be averted by paying yearly. Moreover, Figo has a one-time enrollment payment of $15.
The desk under supplies pattern quotes for ASPCA and Figo, exhibiting how premiums fluctuate relying on components like reimbursement charges, deductibles, and annual payout limits.
| Pet Particulars |  |
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|---|---|---|---|---|
| French Bulldog | $60.93* | $89.08* | $44.40†| $144.46** |
| Labrador Retriever | $62.71* | $57.80* | $72.07‡ | $85.46** |
| Golden Retriever | $120.55** | $52.66* | $44.64†| $80.54** |
| Ragdoll Cat | $20.53* | $20.97* | $26.29‡ | $32.05** |
*90% reimbursement, $500 deductible; **90% reimbursement, $100 deductible; †70% reimbursement, $500 deductible; ‡80% reimbursement, $250 deductible.
It’s at all times greatest to get quotes to your particular canine to match pet insurance coverage prices. You should utilize our pet insurance coverage quote kind under to request immediate quotes from a number of corporations.
Reductions
Pet insurance coverage suppliers generally supply reductions to pet homeowners who insure multiple pet, bundle different insurance coverage insurance policies, are navy or veterans, work as a veterinarian, work at an animal shelter, pay yearly, and extra. Figo offers our Canine Journal readers 5% off their coverage through the use of this hyperlink. Moreover, you will get 5% off for a number of pets, and for every year you don’t obtain a declare fee, your deductible routinely goes down by $50. However, ASPCA has a 10% multi-pet low cost if you use this hyperlink.
Buyer Service & Fame
Customer support and repute are simply as vital as pricing and protection when selecting pet insurance coverage. A low-cost coverage gained’t really feel like deal if the corporate is unresponsive or troublesome to work with when it’s essential to file a declare.
Each Figo and ASPCA supply buyer help by way of telephone and e-mail, and Figo additionally supplies dwell chat, textual content, and fax. Every firm features a 30-day money-back assure, permitting policyholders to cancel throughout the first month in the event that they haven’t filed a declare.
Buyer critiques on platforms just like the BBB, Trustpilot, and Yelp spotlight key variations. Figo receives reward for its user-friendly app and quick claims processing however has complaints about declare denials with obscure explanations. ASPCA policyholders admire its versatile plan choices, however some report sluggish reimbursements, with funds taking as much as a month in sure instances.
Declare Processing
Declare processing time is a vital issue for a lot of pet homeowners when selecting insurance coverage. Figo has a sooner turnaround, averaging about 3 days for reimbursement, whereas ASPCA takes longer, with claims sometimes processed in 15-30 days.
Figo permits claims to be submitted by way of its Pet Cloud app, e-mail, or fax, whereas ASPCA presents a member heart, cell app, mail, e-mail, and fax for submissions. Each corporations present reimbursement by direct deposit or mailed checks, giving policyholders flexibility in receiving funds.
For many who desire to not pay massive vet payments upfront, ASPCA presents direct vet fee choices. Nevertheless, this service is determined by whether or not your veterinarian is keen to simply accept it, so it’s greatest to examine with them first.
Plan Protection Choices
ASPCA and Figo each present customizable accident and sickness protection, permitting pet homeowners to tailor their plans based mostly on funds and protection wants. ASPCA presents annual payout limits between $2,500 and $10,000, with deductibles from $100 to $500 and reimbursement charges of 70%, 80%, or 90%. Figo supplies extra flexibility, with payout limits beginning at $5,000 and going as much as limitless, deductibles starting from $100 to $750, and reimbursement charges from 70% to a formidable 100%.
Not like Figo, ASPCA presents an accident-only plan, masking accidents like damaged bones, chew wounds, and overseas physique ingestion however excluding sicknesses. This could be a budget-friendly possibility for these searching for protection for sudden accidents. ASPCA’s accident-only plan can also be the most customizable within the trade, permitting pet homeowners to regulate their payout limits, deductibles, and reimbursement charges.
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|---|---|---|
| Pet Age | 8 weeks and older | 8 weeks and older |
| Annual Payout Restrict | $2,500, $5,000, $7,000, $10,000 | $5,000, $10,000, Limitless |
| Deductible Choices | $100, $250, $500 | $100, $250, $500, $750 |
| Reimbursement Choices | 70%, 80%, 90% | 70%, 80%, 90%, 100% |
| Elective Wellness Plans |  |
|
| Accident-Solely Plan | |
Incessantly Requested Questions
Listed below are some questions we get requested about ASPCA and Figo. If you happen to don’t see your query, attain out within the feedback.
Do all vets take ASPCA pet insurance coverage?
You possibly can go to any licensed veterinarian or specialist within the U.S. or Canada with this pet insurance coverage.
What’s the common month-to-month value of Figo pet insurance coverage?
Figo’s month-to-month charges are influenced by components akin to your pet’s breed, age, species, gender, location, and chosen protection choices. Primarily based on my evaluation of a number of quotes over time, Figo ceaselessly presents a number of the extra reasonably priced pricing in comparison with different suppliers.
Which Is Higher For Your Pet?
Each ASPCA and Figo supply stable pet insurance coverage choices, however the fitting alternative is determined by your priorities. If you happen to’re in search of customizable protection with an accident-only possibility, ASPCA supplies extra flexibility in tailoring a plan to suit your funds. However, Figo stands out with its greater reimbursement choices and sooner declare processing, making it an awesome alternative for pet homeowners who need faster payouts and broader protection.
Since pricing varies based mostly in your pet’s breed, age, and site, it’s at all times greatest to get quotes from each suppliers to see which plan works greatest for you. Regardless of which one you select, securing pet insurance coverage now can assist defend your pet—and your funds—earlier than sudden vet payments come up. If you happen to’re nonetheless uncertain, try my full critiques of ASPCA Pet Well being Insurance coverage and Figo for a deeper breakdown of their choices.
You may as well learn my pet insurance coverage critiques, together with my prime picks, together with particulars on every of the most well-liked pet insurance coverage corporations. So, if you wish to understand how different suppliers examine in opposition to each other, you might discover this evaluate useful in your pet medical insurance search. Lastly, my pet insurance coverage comparability tables can assist you see how corporations differ at a fast look.
Methodology
My crew and I conduct intensive analysis on essentially the most respected pet insurance coverage corporations, analyzing buyer suggestions, coverage adjustments, and trade developments. Our licensed insurance coverage agent fact-checks the whole lot, and we replace our critiques year-round as insurers regulate premiums, protection, exclusions, and customer support.
We rank every U.S. pet insurance coverage supplier utilizing a 100-point scale, making certain an unbiased breakdown of how corporations carry out in real-world claims.
Our Rating Standards
- Protection & Exclusions (30%) – We analyze insurance policies, exclusions, and age restrictions, rewarding corporations with fewer protection limitations.
- Pricing (15%) – We run 1000’s of pattern quotes and consider further charges, reductions, and add-ons.
- Buyer Service & Fame (12%) – We evaluate a whole lot of buyer experiences, assess the sign-up course of, and consider declare help.
- Monetary Power (10%) – We look at A.M. Finest & Demotech rankings to make sure corporations will pay claims reliably.
- Customization Choices (10%) – Suppliers with extra deductible, reimbursement, and payout flexibility rank greater.
- Ready Durations (5%) – Shorter sickness & accident ready intervals lead to a greater rating.
- Declare Processing (5%) – Corporations providing quick reimbursements and direct vet pay rating greater.
- Innovation (3%) – We acknowledge distinctive choices and superior expertise within the trade.
Unbiased Pet Insurance coverage Rankings: Placing Pets First
Not like many evaluate websites, we don’t promote rankings—each supplier earns its spot based mostly on actual efficiency. Our in-depth comparisons assist pet mother and father make knowledgeable choices, whereas insurers use our critiques to enhance their insurance policies. We solely suggest one of the best as a result of that’s what our readers deserve.
Why Belief Canine Journal?
Canine Journal has been masking the subject of pet insurance coverage since 2012, properly earlier than different conglomerates found the rising reputation of well being look after our pets. A lot of our authors have private expertise with pet insurance coverage, together with Kimberly Alt, who has been Canine Journal’s go-to author for pet insurance coverage for over a decade, having written about practically each doable aspect associated to pet insurance coverage. Kimberly is aware of the topic so properly that she will be able to reply a breadth and depth of pet insurance coverage questions instantly. And on the uncommon event she doesn’t know the reply off the highest of her head, she will be able to discover it inside minutes attributable to her intensive record of assets. Kimberly additionally consulted with Michelle Schenker, Canine Journal’s in-house licensed insurance coverage agent, for extra experience, to make sure accuracy, and provides Canine Journal the authority to put in writing about and help readers in buying insurance coverage insurance policies legally. Kimberly has spent over 100 hours researching ASPCA and Figo, studying each line of their insurance policies, talking with their operation groups, and gathering quotes to convey you essentially the most correct data.
