Selecting between ASPCA and Figo for pet insurance coverage might be tough, particularly should you’re searching for the perfect steadiness of protection, affordability, and declare processing velocity. Each suppliers provide complete accident and sickness plans with versatile deductibles and reimbursement choices, however their variations might 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. Then again, Figo presents a larger reimbursement price (as much as 100%) and sooner claims processing. In the event you’re questioning which is the higher alternative, this comparability breaks down their protection, pricing, customer support, and extra that can assist you determine.
*States are progressively adopting a Mannequin Legislation for pet insurance coverage, aiming to standardize rules, together with uniform ready durations. In California, Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, Washington, Rhode Island, and Maryland, ready durations are:
- Accidents: 0 days
- Sicknesses: 14 days
- Cruciate Ligament Circumstances: 30 days
- Routine Care: 0 days
Protection Comparability
ASPCA Pet Well being Insurance coverage and Figo each provide 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 assessments, X-rays, ultrasounds, CT scans, and MRIs. In addition they cowl power circumstances, hereditary and congenital issues, most cancers remedies, 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 without doubt one of the solely suppliers to cowl problems 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 diseases. Figo additionally has a 14-day ready interval for diseases. Each suppliers provide some flexibility for curable pre-existing circumstances—ASPCA covers them after 180 days with out signs or remedy, apart from knee and ligament circumstances, which stay excluded. Figo requires a full 12 months 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 gives non-obligatory 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 lined circumstances. Examination charges are included in ASPCA’s base coverage at no additional cost.
For dental protection, ASPCA and Figo each cowl non-routine dental remedies, 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 on account of sickness and developmental abnormalities.
Finally, each ASPCA and Figo provide sturdy accident and sickness protection, however key variations in ready durations, dental protection, and non-obligatory add-ons could make one a greater match. Figo gives extra complete dental protection and a shorter accident ready interval, whereas ASPCA covers dietary supplements and prescription meals, which could possibly be helpful relying in your pet’s wants.
Premiums & Pricing
Pricing for pet insurance coverage varies based mostly on elements like your pet’s age, breed, location, and the protection choices you select. Each ASPCA and Figo provide 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 gives annual payout limits between $2,500 and $10,000. ASPCA’s payout caps might result in larger out-of-pocket bills for expensive remedies.
Each suppliers use an annual deductible, that means you’ll solely want to satisfy it as soon as per coverage 12 months, whatever the variety of claims. This may be useful for pets with a number of well being points in a given 12 months. Moreover, each firms 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 beneath gives pattern quotes for ASPCA and Figo, exhibiting how premiums differ relying on elements like reimbursement charges, deductibles, and annual payout limits.
| Pet Particulars |  |
 |
|
|
|---|---|---|---|---|
| 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 all the time finest to get quotes in your particular canine to check pet insurance coverage prices. You should use our pet insurance coverage quote type beneath to request prompt quotes from a number of firms.
Reductions
Pet insurance coverage suppliers generally provide reductions to pet homeowners who insure a couple of 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 provides our Canine Journal readers 5% off their coverage through the use of this hyperlink. Moreover, you may 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. Then again, ASPCA has a 10% multi-pet low cost if you use this hyperlink.
Buyer Service & Popularity
Customer support and fame are simply as essential as pricing and protection when selecting pet insurance coverage. A low-cost coverage received’t really feel like an excellent deal if the corporate is unresponsive or tough to work with when that you must file a declare.
Each Figo and ASPCA provide buyer assist through telephone and e mail, and Figo additionally gives 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 evaluations 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 recognize its versatile plan choices, however some report gradual reimbursements, with funds taking as much as a month in sure instances.
Declare Processing
Declare processing time is an important 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 through its Pet Cloud app, e mail, or fax, whereas ASPCA presents a member middle, cell app, mail, e mail, and fax for submissions. Each firms present reimbursement via direct deposit or mailed checks, giving policyholders flexibility in receiving funds.
For individuals who want to not pay massive vet payments upfront, ASPCA presents direct vet fee choices. Nevertheless, this service depends upon whether or not your veterinarian is prepared to simply accept it, so it’s finest to verify 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 finances 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 gives 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, chunk wounds, and overseas physique ingestion however excluding diseases. This generally is 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 business, permitting pet homeowners to regulate their payout limits, deductibles, and reimbursement charges.
|
|
|
|---|---|---|
| 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 | |
Ceaselessly Requested Questions
Listed here are some questions we get requested about ASPCA and Figo. In the event you don’t see your query, attain out within the feedback.
Do all vets take ASPCA pet insurance coverage?
You may 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 price of Figo pet insurance coverage?
Figo’s month-to-month charges are influenced by elements akin to your pet’s breed, age, species, gender, location, and chosen protection choices. Based mostly on my evaluation of a number of quotes over time, Figo steadily presents a few of the extra inexpensive pricing in comparison with different suppliers.
Which Is Higher For Your Pet?
Each ASPCA and Figo provide strong pet insurance coverage choices, however the suitable alternative depends upon your priorities. In the event you’re searching for customizable protection with an accident-only possibility, ASPCA gives extra flexibility in tailoring a plan to suit your finances. Then again, Figo stands out with its larger reimbursement choices and sooner declare processing, making it an important 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 all the time finest to get quotes from each suppliers to see which plan works finest for you. Irrespective of which one you select, securing pet insurance coverage now will help shield your pet—and your funds—earlier than sudden vet payments come up. In the event you’re nonetheless uncertain, take a look at my full evaluations of ASPCA Pet Well being Insurance coverage and Figo for a deeper breakdown of their choices.
You can too learn my pet insurance coverage evaluations, together with my prime picks, together with particulars on every of the preferred pet insurance coverage firms. So, if you wish to understand how different suppliers evaluate towards each other, you could discover this overview useful in your pet medical health insurance search. Lastly, my pet insurance coverage comparability tables will help you see how firms differ at a fast look.
Methodology
My group and I conduct in depth analysis on probably the most respected pet insurance coverage firms, analyzing buyer suggestions, coverage modifications, and business tendencies. Our licensed insurance coverage agent fact-checks the whole lot, and we replace our evaluations 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, guaranteeing an unbiased breakdown of how firms carry out in real-world claims.
Our Rating Standards
- Protection & Exclusions (30%) – We analyze insurance policies, exclusions, and age restrictions, rewarding firms with fewer protection limitations.
- Pricing (15%) – We run hundreds of pattern quotes and think about additional charges, reductions, and add-ons.
- Buyer Service & Popularity (12%) – We overview tons of of buyer experiences, assess the sign-up course of, and consider declare assist.
- Monetary Power (10%) – We study A.M. Finest & Demotech scores to make sure firms pays claims reliably.
- Customization Choices (10%) – Suppliers with extra deductible, reimbursement, and payout flexibility rank larger.
- Ready Intervals (5%) – Shorter sickness & accident ready durations lead to a greater rating.
- Declare Processing (5%) – Firms providing quick reimbursements and direct vet pay rating larger.
- Innovation (3%) – We acknowledge distinctive choices and superior expertise within the business.
Unbiased Pet Insurance coverage Rankings: Placing Pets First
Not like many overview websites, we don’t promote rankings—each supplier earns its spot based mostly on actual efficiency. Our in-depth comparisons assist pet dad and mom make knowledgeable selections, whereas insurers use our evaluations to enhance their insurance policies. We solely advocate the perfect 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, effectively earlier than different conglomerates found the rising recognition 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 potential aspect associated to pet insurance coverage. Kimberly is aware of the topic so effectively that she will 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 discover it inside minutes on account of her in depth listing of assets. Kimberly additionally consulted with Michelle Schenker, Canine Journal’s in-house licensed insurance coverage agent, for added 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 deliver you probably the most correct data.
