Selecting between ASPCA and Figo for pet insurance coverage could be tough, particularly should you’re searching for one of the best stability of protection, affordability, and declare processing velocity. Each suppliers provide 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. Then again, Figo affords a increased reimbursement charge (as much as 100%) and quicker claims processing. In case you’re questioning which is the higher alternative, this comparability breaks down their protection, pricing, customer support, and extra that will help you determine.
*States are progressively adopting a Mannequin Legislation for pet insurance coverage, aiming to standardize laws, 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
- Diseases: 14 days
- Cruciate Ligament Situations: 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, protecting a variety of circumstances and coverings. Their insurance policies embrace 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 continual circumstances, hereditary and congenital problems, most cancers remedies, prescription drugs, and non-routine dental care. Nevertheless, pre-existing circumstances, elective beauty procedures (equivalent to ear cropping and tail docking), being pregnant, and breeding* are typically excluded from protection.
*Figo is among 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 yr with out indicators or signs for a situation to be thought-about curable and eligible for protection.
ASPCA affords 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 offers non-compulsory add-ons referred to as Powerups, which embrace 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 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 attributable to sickness and developmental abnormalities.
In the end, each ASPCA and Figo provide sturdy accident and sickness protection, however key variations in ready durations, dental protection, and non-compulsory add-ons might make one a greater match. Figo offers extra complete dental protection and a shorter accident ready interval, whereas ASPCA covers dietary supplements and prescription meals, which could possibly be worthwhile relying in your pet’s wants.
Premiums & Pricing
Pricing for pet insurance coverage varies primarily based on components 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 totally different budgets, however their pricing constructions differ.
Figo sometimes affords decrease premiums and the choice for limitless payouts, whereas ASPCA offers annual payout limits between $2,500 and $10,000. ASPCA’s payout caps may result in increased out-of-pocket bills for pricey remedies.
Each suppliers use an annual deductible, that means you’ll solely want to satisfy 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 firms cost a $2 month-to-month transaction charge, which could be averted by paying yearly. Moreover, Figo has a one-time enrollment charge of $15.
The desk under offers pattern quotes for ASPCA and Figo, exhibiting how premiums differ 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 on your particular canine to match pet insurance coverage prices. You should use our pet insurance coverage quote type under to request immediate quotes from a number of firms.
Reductions
Pet insurance coverage suppliers typically provide 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 provides 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 annually you don’t obtain a declare fee, your deductible routinely goes down by $50. Then again, ASPCA has a 10% multi-pet low cost while you use this hyperlink.
Buyer Service & Repute
Customer support and fame are simply as essential 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 file a declare.
Each Figo and ASPCA provide buyer assist through telephone and electronic mail, and Figo additionally offers stay chat, textual content, and fax. Every firm features a 30-day money-back assure, permitting policyholders to cancel inside 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 imprecise 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 a vital issue for a lot of pet homeowners when selecting insurance coverage. Figo has a quicker 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, electronic mail, or fax, whereas ASPCA affords a member heart, cellular app, mail, electronic mail, and fax for submissions. Each firms present reimbursement via direct deposit or mailed checks, giving policyholders flexibility in receiving funds.
For individuals who desire to not pay giant vet payments upfront, ASPCA affords direct vet fee choices. Nevertheless, this service depends upon whether or not your veterinarian is prepared to just accept it, so it’s greatest to test with them first.
Plan Protection Choices
ASPCA and Figo each present customizable accident and sickness protection, permitting pet homeowners to tailor their plans primarily based on price range and protection wants. ASPCA affords annual payout limits between $2,500 and $10,000, with deductibles from $100 to $500 and reimbursement charges of 70%, 80%, or 90%. Figo offers 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 powerful 100%.
Not like Figo, ASPCA affords an accident-only plan, protecting accidents like damaged bones, chew wounds, and overseas physique ingestion however excluding diseases. This is usually a budget-friendly possibility for these searching for protection for surprising accidents. ASPCA’s accident-only plan can 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 |  |
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| Accident-Solely Plan | |
Steadily Requested Questions
Listed below are some questions we get requested about ASPCA and Figo. In case 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 value of Figo pet insurance coverage?
Figo’s month-to-month charges are influenced by components equivalent 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 often affords a few of the extra reasonably priced pricing in comparison with different suppliers.
Which Is Higher For Your Pet?
Each ASPCA and Figo provide strong pet insurance coverage choices, however the best alternative depends upon your priorities. In case you’re searching for customizable protection with an accident-only possibility, ASPCA offers extra flexibility in tailoring a plan to suit your price range. Then again, Figo stands out with its increased reimbursement choices and quicker declare processing, making it an excellent alternative for pet homeowners who need faster payouts and broader protection.
Since pricing varies primarily based in your pet’s breed, age, and placement, 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 may help defend your pet—and your funds—earlier than surprising vet payments come up. In case you’re nonetheless uncertain, take a look at my full critiques of ASPCA Pet Well being Insurance coverage and Figo for a deeper breakdown of their choices.
You may also learn my pet insurance coverage critiques, 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 examine towards each other, you could discover this assessment useful in your pet medical insurance search. Lastly, my pet insurance coverage comparability tables may help you see how firms differ at a fast look.
Methodology
My staff and I conduct in depth analysis on essentially the most respected pet insurance coverage firms, analyzing buyer suggestions, coverage modifications, and trade developments. Our licensed insurance coverage agent fact-checks all the things, and we replace our critiques year-round as insurers modify 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 & Repute (12%) – We assessment a whole bunch of buyer experiences, assess the sign-up course of, and consider declare assist.
- Monetary Energy (10%) – We look at A.M. Greatest & Demotech scores to make sure firms pays claims reliably.
- Customization Choices (10%) – Suppliers with extra deductible, reimbursement, and payout flexibility rank increased.
- Ready Durations (5%) – Shorter sickness & accident ready durations lead to a greater rating.
- Declare Processing (5%) – Corporations providing quick reimbursements and direct vet pay rating increased.
- Innovation (3%) – We acknowledge distinctive choices and superior know-how within the trade.
Unbiased Pet Insurance coverage Rankings: Placing Pets First
Not like many assessment websites, we don’t promote rankings—each supplier earns its spot primarily based on actual efficiency. Our in-depth comparisons assist pet dad and mom make knowledgeable selections, whereas insurers use our critiques to enhance their insurance policies. We solely advocate one of the best as a result of that’s what our readers deserve.
Why Belief Canine Journal?
Canine Journal has been protecting the subject of pet insurance coverage since 2012, effectively earlier than different conglomerates found the rising reputation of well being take care of 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 almost each doable 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 attributable to her in depth record of sources. 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 jot down 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.
