Selecting between ASPCA and Figo for pet insurance coverage might be difficult, particularly in case you’re in search of the most effective steadiness 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 choice with Figo. However, Figo presents a greater reimbursement charge (as much as 100%) and quicker claims processing. When 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 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 provide complete accident and sickness protection throughout all 50 states, masking a variety of situations and coverings. Their insurance policies embody 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 power situations, hereditary and congenital issues, most cancers remedies, prescription medicines, and non-routine dental care. Nevertheless, pre-existing situations, elective beauty procedures (comparable to ear cropping and tail docking), being pregnant, and breeding* are typically excluded from protection.
*Figo is without doubt one of 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 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 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 offers optionally available 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 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 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 as a result of sickness and developmental abnormalities.
In the end, each ASPCA and Figo provide sturdy accident and sickness protection, however key variations in ready intervals, dental protection, and optionally available 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 may very well be precious 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 usually presents 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 greater 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 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 price, which might be averted by paying yearly. Moreover, Figo has a one-time enrollment price of $15.
The desk under offers pattern quotes for ASPCA and Figo, displaying how premiums fluctuate relying on elements 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 check pet insurance coverage prices. You should utilize 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 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 by utilizing this hyperlink. Moreover, you may get 5% off for a number of pets, and for annually you don’t obtain a declare cost, your deductible routinely goes down by $50. However, ASPCA has a 10% multi-pet low cost once you use this hyperlink.
Buyer Service & Status
Customer support and repute are simply as vital as pricing and protection when selecting pet insurance coverage. A low-cost coverage received’t really feel like a very good deal if the corporate is unresponsive or troublesome to work with when it is advisable to file a declare.
Each Figo and ASPCA provide buyer assist through cellphone and e mail, and Figo additionally offers reside 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 obscure explanations. ASPCA policyholders admire 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 house owners 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 through its Pet Cloud app, e mail, or fax, whereas ASPCA presents a member middle, cellular 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 choose to not pay massive vet payments upfront, ASPCA presents direct vet cost choices. Nevertheless, this service will depend on whether or not your veterinarian is keen to just accept it, so it’s greatest to examine 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 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 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 presents an accident-only plan, masking accidents like damaged bones, chew wounds, and overseas physique ingestion however excluding diseases. This could be a budget-friendly choice for these searching for protection for surprising accidents. ASPCA’s accident-only plan can be the most customizable within the trade, 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 | |
Ceaselessly 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 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 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 ceaselessly presents a few 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 will depend on your priorities. When you’re in search of customizable protection with an accident-only choice, ASPCA offers extra flexibility in tailoring a plan to suit your finances. However, Figo stands out with its greater reimbursement choices and quicker declare processing, making it an awesome alternative for pet house owners 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 greatest to get quotes from each suppliers to see which plan works greatest for you. Irrespective of which one you select, securing pet insurance coverage now can assist defend your pet—and your funds—earlier than surprising vet payments come up. When 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 too can 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 can assist you see how firms differ at a fast look.
Methodology
My crew and I conduct intensive 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 every part, and we replace our critiques 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 1000’s of pattern quotes and think about further charges, reductions, and add-ons.
- Buyer Service & Status (12%) – We assessment a whole bunch of buyer experiences, assess the sign-up course of, and consider declare assist.
- 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
Not like many assessment 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 critiques 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 take care of 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 aspect associated to pet insurance coverage. Kimberly is aware of the topic so nicely that she will be able to 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 be able to discover it inside minutes as a result of her intensive 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 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 info.
