Selecting between ASPCA and Figo for pet insurance coverage might be tough, particularly in case you’re on the lookout 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 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. However, Figo gives a increased reimbursement charge (as much as 100%) and quicker claims processing. When you’re questioning which is the higher selection, this comparability breaks down their protection, pricing, customer support, and extra that can assist you resolve.
*States are progressively adopting a Mannequin Regulation 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 checks, X-rays, ultrasounds, CT scans, and MRIs. Additionally they cowl continual circumstances, hereditary and congenital problems, most cancers remedies, prescription medicines, and non-routine dental care. Nevertheless, pre-existing circumstances, elective beauty procedures (similar to ear cropping and tail docking), being pregnant, and breeding* are typically excluded from protection.
*Figo is among 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 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 therapy, aside 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 of curable and eligible for protection.
ASPCA gives 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 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 consists of some dental sickness protection however excludes tooth extractions as a result of sickness and developmental abnormalities.
Finally, each ASPCA and Figo provide robust accident and sickness protection, however key variations in ready durations, dental protection, and non-compulsory 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 might be invaluable 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 provide versatile plans that may be tailor-made to totally different budgets, however their pricing buildings differ.
Figo usually gives decrease premiums and the choice for limitless payouts, whereas ASPCA supplies annual payout limits between $2,500 and $10,000. ASPCA’s payout caps might result in increased out-of-pocket bills for expensive remedies.
Each suppliers use an annual deductible, that means you’ll solely want to fulfill 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 corporations cost a $2 month-to-month transaction price, which might be averted by paying yearly. Moreover, Figo has a one-time enrollment price of $15.
The desk beneath 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 finest to get quotes to your particular canine to check pet insurance coverage prices. You need to use our pet insurance coverage quote type beneath to request instantaneous quotes from a number of corporations.
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 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 annually you don’t obtain a declare fee, your deductible routinely goes down by $50. However, ASPCA has a 10% multi-pet low cost while you use this hyperlink.
Buyer Service & Fame
Customer support and status are simply as necessary 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 troublesome to work with when you’ll want to file a declare.
Each Figo and ASPCA provide buyer help by way of telephone and electronic mail, and Figo additionally supplies 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 opinions 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 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 quicker turnaround, averaging about 3 days for reimbursement, whereas ASPCA takes longer, with claims usually processed in 15-30 days.
Figo permits claims to be submitted by way of its Pet Cloud app, electronic mail, or fax, whereas ASPCA gives a member heart, cellular app, mail, electronic mail, and fax for submissions. Each corporations present reimbursement by direct deposit or mailed checks, giving policyholders flexibility in receiving funds.
For many who favor to not pay massive vet payments upfront, ASPCA gives direct vet fee choices. Nevertheless, this service depends upon whether or not your veterinarian is prepared to just 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 price range and protection wants. ASPCA gives 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 powerful 100%.
Not like Figo, ASPCA gives an accident-only plan, protecting accidents like damaged bones, chunk wounds, and overseas physique ingestion however excluding diseases. This is usually a budget-friendly possibility for these searching for protection for sudden accidents. ASPCA’s accident-only plan can be the most customizable within the business, 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% |
| Optionally available Wellness Plans |  |
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| Accident-Solely Plan | |
Incessantly Requested Questions
Listed below are some questions we get requested about ASPCA and Figo. When 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 similar 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 regularly gives a number 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 correct selection depends upon your priorities. When you’re on the lookout for customizable protection with an accident-only possibility, ASPCA supplies extra flexibility in tailoring a plan to suit your price range. However, Figo stands out with its increased reimbursement choices and quicker declare processing, making it an incredible selection for pet homeowners who need faster payouts and broader protection.
Since pricing varies based mostly in your pet’s breed, age, and placement, it’s at all times 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 may help defend your pet—and your funds—earlier than sudden vet payments come up. When you’re nonetheless uncertain, take a look at my full opinions of ASPCA Pet Well being Insurance coverage and Figo for a deeper breakdown of their choices.
You may also learn my pet insurance coverage opinions, together with my prime picks, together with particulars on every of the most well-liked pet insurance coverage corporations. So, if you wish to know the way different suppliers evaluate in opposition to each other, chances are you’ll discover this evaluate useful in your pet medical health insurance search. Lastly, my pet insurance coverage comparability tables may help you see how corporations differ at a fast look.
Methodology
My crew and I conduct in depth analysis on essentially the most respected pet insurance coverage corporations, analyzing buyer suggestions, coverage modifications, and business developments. Our licensed insurance coverage agent fact-checks every thing, and we replace our opinions year-round as insurers alter 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 additional charges, reductions, and add-ons.
- Buyer Service & Fame (12%) – We evaluate lots of of buyer experiences, assess the sign-up course of, and consider declare help.
- Monetary Energy (10%) – We look at A.M. Finest & Demotech scores to make sure corporations pays claims reliably.
- Customization Choices (10%) – Suppliers with extra deductible, reimbursement, and payout flexibility rank increased.
- Ready Intervals (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 business.
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 opinions 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 protecting the subject of pet insurance coverage since 2012, effectively 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 potential side 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 as a result of her in depth checklist 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 write 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 carry you essentially the most correct info.