Selecting between ASPCA and Figo for pet insurance coverage will be tough, particularly for those who’re on the lookout for the most effective steadiness of protection, affordability, and declare processing velocity. Each suppliers supply 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 provides a greater reimbursement fee (as much as 100%) and sooner claims processing. In case 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 steadily adopting a Mannequin Regulation for pet insurance coverage, aiming to standardize rules, 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
- Diseases: 14 days
- Cruciate Ligament Circumstances: 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 continual circumstances, hereditary and congenital problems, most cancers therapies, prescription drugs, and non-routine dental care. Nevertheless, pre-existing circumstances, elective beauty procedures (comparable to ear cropping and tail docking), being pregnant, and breeding* are typically excluded from protection.
*Figo is likely 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 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, 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 provides 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 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 as a consequence of sickness and developmental abnormalities.
Finally, each ASPCA and Figo supply sturdy accident and sickness protection, however key variations in ready intervals, dental protection, and elective add-ons could 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 might 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 supply versatile plans that may be tailor-made to completely different budgets, however their pricing constructions differ.
Figo sometimes provides decrease premiums and the choice for limitless payouts, whereas ASPCA offers annual payout limits between $2,500 and $10,000. ASPCA’s payout caps might result in greater out-of-pocket bills for pricey therapies.
Each suppliers use an annual deductible, which 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 firms cost a $2 month-to-month transaction charge, which will be prevented 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 range relying on elements like reimbursement charges, deductibles, and annual payout limits.
| Pet Particulars |  |
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|
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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 all the time greatest to get quotes on your particular canine to match pet insurance coverage prices. You should use our pet insurance coverage quote kind under to request instantaneous quotes from a number of firms.
Reductions
Pet insurance coverage suppliers generally supply reductions to pet homeowners who insure a couple of pet, bundle different insurance coverage insurance policies, are army 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 may get 5% off for a number of pets, and for annually you don’t obtain a declare fee, your deductible mechanically 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 essential as pricing and protection when selecting pet insurance coverage. A low-cost coverage gained’t really feel like a superb deal if the corporate is unresponsive or troublesome to work with when it’s worthwhile to file a declare.
Each Figo and ASPCA supply buyer help through cellphone and e-mail, and Figo additionally offers stay 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 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 imprecise explanations. ASPCA policyholders recognize its versatile plan choices, however some report sluggish reimbursements, with funds taking as much as a month in sure circumstances.
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 provides a member heart, cell app, mail, e-mail, and fax for submissions. Each firms present reimbursement by means of direct deposit or mailed checks, giving policyholders flexibility in receiving funds.
For many who desire to not pay giant vet payments upfront, ASPCA provides direct vet fee choices. Nevertheless, this service relies on whether or not your veterinarian is prepared to simply accept it, so it’s greatest 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 provides 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 formidable 100%.
In contrast to Figo, ASPCA provides an accident-only plan, masking accidents like damaged bones, chunk wounds, and international physique ingestion however excluding sicknesses. 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 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 | |
Continuously Requested Questions
Listed here 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 elements comparable 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 incessantly provides among the extra inexpensive pricing in comparison with different suppliers.
Which Is Higher For Your Pet?
Each ASPCA and Figo supply strong pet insurance coverage choices, however the precise selection relies on your priorities. In case you’re on the lookout for customizable protection with an accident-only possibility, ASPCA offers extra flexibility in tailoring a plan to suit your finances. However, Figo stands out with its greater reimbursement choices and sooner declare processing, making it an excellent 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 all the time 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 shield your pet—and your funds—earlier than sudden vet payments come up. In case 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 too can learn my pet insurance coverage opinions, together with my prime picks, together with particulars on every of the preferred pet insurance coverage firms. So, if you wish to know the way different suppliers examine towards each other, you could discover this overview useful in your pet medical insurance search. Lastly, my pet insurance coverage comparability tables can assist you see how firms differ at a fast look.
Methodology
My group and I conduct in depth analysis on essentially the most respected pet insurance coverage firms, analyzing buyer suggestions, coverage adjustments, and trade tendencies. Our licensed insurance coverage agent fact-checks every part, and we replace our opinions 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, making certain 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 further charges, reductions, and add-ons.
- Buyer Service & Fame (12%) – We overview tons of of buyer experiences, assess the sign-up course of, and consider declare help.
- Monetary Energy (10%) – We study A.M. Finest & Demotech rankings to make sure firms pays 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%) – Firms 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
In contrast to 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 choices, whereas insurers use our opinions to enhance their insurance policies. We solely suggest the most effective 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, nicely earlier than different conglomerates found the rising recognition of well being look after our pets. Lots 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 side associated to pet insurance coverage. Kimberly is aware of the topic so nicely 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 consequence of her in depth checklist 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 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 convey you essentially the most correct info.
