Selecting between ASPCA and Figo for pet insurance coverage will be tough, particularly in case you’re on the lookout for the very best stability of protection, affordability, and declare processing pace. 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. However, Figo provides a greater reimbursement fee (as much as 100%) and sooner 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 resolve.
*States are progressively 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 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, overlaying a variety of situations 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. Additionally they cowl continual situations, hereditary and congenital problems, most cancers therapies, prescription drugs, and non-routine dental care. Nevertheless, pre-existing situations, elective beauty procedures (comparable 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 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 provide some flexibility for curable pre-existing situations—ASPCA covers them after 180 days with out signs or remedy, apart from knee and ligament situations, 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 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 supplies optionally available add-ons known as Powerups, which embrace a Wellness Powerup for routine care and a Vet Examination Charges Powerup to assist cowl examination prices for lined situations. 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 provide robust accident and sickness protection, however key variations in ready intervals, dental protection, and optionally available 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 useful 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 provides 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 price, which will be prevented 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 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 in your particular canine to match pet insurance coverage prices. You need to use our pet insurance coverage quote kind beneath to request immediate quotes from a number of corporations.
Reductions
Pet insurance coverage suppliers generally provide reductions to pet house owners 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 cost, your deductible mechanically goes down by $50. However, ASPCA has a 10% multi-pet low cost once you use this hyperlink.
Buyer Service & Fame
Customer support and status 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 troublesome to work with when that you must file a declare.
Each Figo and ASPCA provide buyer help by way of cellphone and e-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 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 admire 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 a vital issue for a lot of pet house owners when selecting insurance coverage. Figo has a sooner 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, e-mail, or fax, whereas ASPCA provides a member middle, cell app, mail, e-mail, and fax for submissions. Each corporations present reimbursement by means of direct deposit or mailed checks, giving policyholders flexibility in receiving funds.
For individuals who choose to not pay massive vet payments upfront, ASPCA provides direct vet cost choices. Nevertheless, this service relies on whether or not your veterinarian is keen 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 house owners to tailor their plans based mostly on funds 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 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%.
In contrast to Figo, ASPCA provides an accident-only plan, overlaying accidents like damaged bones, chunk wounds, and overseas physique ingestion however excluding sicknesses. This could be a budget-friendly possibility for these looking for protection for surprising accidents. ASPCA’s accident-only plan can be the most customizable within the business, permitting pet house owners 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 | |
Steadily 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 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 price of Figo pet insurance coverage?
Figo’s month-to-month charges are influenced by components 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 ceaselessly provides a number of the extra inexpensive pricing in comparison with different suppliers.
Which Is Higher For Your Pet?
Each ASPCA and Figo provide stable pet insurance coverage choices, however the suitable alternative relies on your priorities. In case you’re on the lookout for 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 a fantastic alternative for pet house owners 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 may also help shield your pet—and your funds—earlier than surprising vet payments come up. In case you’re nonetheless not sure, try my full critiques of ASPCA Pet Well being Insurance coverage and Figo for a deeper breakdown of their choices.
You can too learn my pet insurance coverage critiques, together with my prime picks, together with particulars on every of the preferred pet insurance coverage corporations. So, if you wish to understand how different suppliers evaluate towards each other, chances are you’ll discover this assessment useful in your pet medical health insurance search. Lastly, my pet insurance coverage comparability tables may also help you see how corporations differ at a fast look.
Methodology
My group and I conduct in depth analysis on probably the most respected pet insurance coverage corporations, analyzing buyer suggestions, coverage adjustments, and business traits. Our licensed insurance coverage agent fact-checks every little thing, and we replace our critiques 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, guaranteeing 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 assessment lots of of buyer experiences, assess the sign-up course of, and consider declare help.
- Monetary Power (10%) – We look at A.M. Greatest & Demotech rankings to make sure corporations 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 know-how within the business.
Unbiased Pet Insurance coverage Rankings: Placing Pets First
In contrast to many assessment 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 critiques to enhance their insurance policies. We solely suggest the very best as a result of that’s what our readers deserve.
Why Belief Canine Journal?
Canine Journal has been overlaying the subject of pet insurance coverage since 2012, nicely 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 almost each doable aspect 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 attributable to her in depth record 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 carry you probably the most correct data.
