Choosing between ASPCA and Figo for pet insurance can be tricky, especially if you’re looking for the best balance of coverage, affordability, and claim processing speed. Both providers offer comprehensive accident and illness plans with flexible deductibles and reimbursement options, but their differences could make one a better fit depending on your pet’s needs.
ASPCA stands out with its highly customizable accident-only plan, which isn’t an option with Figo. On the other hand, Figo offers a higher reimbursement rate (up to 100%) and faster claims processing. If you’re wondering which is the better choice, this comparison breaks down their coverage, pricing, customer service, and more to help you decide.
*States are gradually adopting a Model Law for pet insurance, aiming to standardize regulations, including uniform waiting periods. In California, Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, Washington, Rhode Island, and Maryland, waiting periods are:
- Accidents: 0 days
- Illnesses: 14 days
- Cruciate Ligament Conditions: 30 days
- Routine Care: 0 days
Coverage Comparison
Contents
ASPCA Pet Health Insurance and Figo both offer comprehensive accident and illness coverage across all 50 states, covering a wide range of conditions and treatments. Their policies include coverage for emergency care, hospital stays, surgeries, specialized exams, and advanced diagnostics like blood tests, X-rays, ultrasounds, CT scans, and MRIs. They also cover chronic conditions, hereditary and congenital disorders, cancer treatments, prescription medications, and non-routine dental care. However, pre-existing conditions, elective cosmetic procedures (such as ear cropping and tail docking), pregnancy, and breeding* are generally excluded from coverage.
*Figo is one of the only providers to cover complications from breeding, but only if the breeding falls after the fourteenth day after the effective date of your initial policy.
Figo stands out with a shorter one-day waiting period for accidents, compared to ASPCA’s 14-day waiting period for both accidents and illnesses. Figo also has a 14-day waiting period for illnesses. Both providers offer some flexibility for curable pre-existing conditions—ASPCA covers them after 180 days without symptoms or treatment, except for knee and ligament conditions, which remain excluded. Figo requires a full year without signs or symptoms for a condition to be considered curable and eligible for coverage.
ASPCA offers the option to add a wellness plan to help cover preventive care expenses like vaccines, annual exams, dental cleanings, and flea/tick prevention. Figo also provides optional add-ons called Powerups, which include a Wellness Powerup for routine care and a Vet Exam Fees Powerup to help cover exam costs for covered conditions. Exam fees are included in ASPCA’s base policy at no extra charge.
For dental coverage, ASPCA and Figo both cover non-routine dental treatments, including tooth extractions and trauma-related injuries. However, ASPCA does not cover gum disease or endodontic disease, whereas Figo includes some dental illness coverage but excludes tooth extractions due to illness and developmental abnormalities.
Ultimately, both ASPCA and Figo offer strong accident and illness coverage, but key differences in waiting periods, dental coverage, and optional add-ons may make one a better fit. Figo provides more comprehensive dental coverage and a shorter accident waiting period, while ASPCA covers supplements and prescription food, which could be valuable depending on your pet’s needs.
Premiums & Pricing
Pricing for pet insurance varies based on factors like your pet’s age, breed, location, and the coverage options you choose. Both ASPCA and Figo offer flexible plans that can be tailored to different budgets, but their pricing structures differ.
Figo typically offers lower premiums and the option for unlimited payouts, while ASPCA provides annual payout limits between $2,500 and $10,000. ASPCA’s payout caps could lead to higher out-of-pocket expenses for costly treatments.
Both providers use an annual deductible, meaning you’ll only need to meet it once per policy year, regardless of the number of claims. This can be beneficial for pets with multiple health issues in a given year. Additionally, both companies charge a $2 monthly transaction fee, which can be avoided by paying annually. Additionally, Figo has a one-time enrollment fee of $15.
The table below provides sample quotes for ASPCA and Figo, showing how premiums vary depending on factors like reimbursement rates, deductibles, and annual payout limits.
| Pet Details |  |
 |
|
|
|---|---|---|---|---|
| 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 always best to get quotes for your specific dog to compare pet insurance costs. You can use our pet insurance quote form below to request instant quotes from multiple companies.
Discounts
Pet insurance providers sometimes offer discounts to pet owners who insure more than one pet, bundle other insurance policies, are military or veterans, work as a veterinarian, work at an animal shelter, pay yearly, and more. Figo gives our Canine Journal readers 5% off their policy by using this link. Additionally, you can get 5% off for multiple pets, and for each year you don’t receive a claim payment, your deductible automatically goes down by $50. On the other hand, ASPCA has a 10% multi-pet discount when you use this link.
Customer Service & Reputation
Customer service and reputation are just as important as pricing and coverage when choosing pet insurance. A low-cost policy won’t feel like a good deal if the company is unresponsive or difficult to work with when you need to file a claim.
Both Figo and ASPCA offer customer support via phone and email, and Figo also provides live chat, text, and fax. Each company includes a 30-day money-back guarantee, allowing policyholders to cancel within the first month if they haven’t filed a claim.
Customer reviews on platforms like the BBB, Trustpilot, and Yelp highlight key differences. Figo receives praise for its user-friendly app and fast claims processing but has complaints about claim denials with vague explanations. ASPCA policyholders appreciate its flexible plan options, but some report slow reimbursements, with payments taking up to a month in certain cases.
Claim Processing
Claim processing time is a crucial factor for many pet owners when choosing insurance. Figo has a faster turnaround, averaging about 3 days for reimbursement, while ASPCA takes longer, with claims typically processed in 15-30 days.
Figo allows claims to be submitted via its Pet Cloud app, email, or fax, while ASPCA offers a member center, mobile app, mail, email, and fax for submissions. Both companies provide reimbursement through direct deposit or mailed checks, giving policyholders flexibility in receiving payments.
For those who prefer not to pay large vet bills upfront, ASPCA offers direct vet payment options. However, this service depends on whether your veterinarian is willing to accept it, so it’s best to check with them first.
Plan Coverage Options
ASPCA and Figo both provide customizable accident and illness coverage, allowing pet owners to tailor their plans based on budget and coverage needs. ASPCA offers annual payout limits between $2,500 and $10,000, with deductibles from $100 to $500 and reimbursement rates of 70%, 80%, or 90%. Figo provides more flexibility, with payout limits starting at $5,000 and going up to unlimited, deductibles ranging from $100 to $750, and reimbursement rates from 70% to an impressive 100%.
Unlike Figo, ASPCA offers an accident-only plan, covering injuries like broken bones, bite wounds, and foreign body ingestion but excluding illnesses. This can be a budget-friendly option for those seeking coverage for unexpected injuries. ASPCA’s accident-only plan is also the most customizable in the industry, allowing pet owners to adjust their payout limits, deductibles, and reimbursement rates.
|
|
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|---|---|---|
| Pet Age | 8 weeks and older | 8 weeks and older |
| Annual Payout Limit | $2,500, $5,000, $7,000, $10,000 | $5,000, $10,000, Unlimited |
| Deductible Options | $100, $250, $500 | $100, $250, $500, $750 |
| Reimbursement Options | 70%, 80%, 90% | 70%, 80%, 90%, 100% |
| Optional Wellness Plans |  |
|
| Accident-Only Plan | |
Frequently Asked Questions
Here are some questions we get asked about ASPCA and Figo. If you don’t see your question, reach out in the comments.
Do all vets take ASPCA pet insurance?
You can visit any licensed veterinarian or specialist in the U.S. or Canada with this pet insurance.
What is the average monthly cost of Figo pet insurance?
Figo’s monthly rates are influenced by factors such as your pet’s breed, age, species, gender, location, and selected coverage options. Based on my analysis of multiple quotes over time, Figo frequently offers some of the more affordable pricing compared to other providers.
Which Is Better For Your Pet?
Both ASPCA and Figo offer solid pet insurance options, but the right choice depends on your priorities. If you’re looking for customizable coverage with an accident-only option, ASPCA provides more flexibility in tailoring a plan to fit your budget. On the other hand, Figo stands out with its higher reimbursement options and faster claim processing, making it a great choice for pet owners who want quicker payouts and broader coverage.
Since pricing varies based on your pet’s breed, age, and location, it’s always best to get quotes from both providers to see which plan works best for you. No matter which one you choose, securing pet insurance now can help protect your pet—and your finances—before unexpected vet bills arise. If you’re still unsure, check out my full reviews of ASPCA Pet Health Insurance and Figo for a deeper breakdown of their offerings.
You can also read my pet insurance reviews, including my top picks, along with details on each of the most popular pet insurance companies. So, if you want to know how other providers compare against one another, you may find this review helpful in your pet health insurance search. Lastly, my pet insurance comparison tables can help you see how companies differ at a quick glance.
Methodology
My team and I conduct extensive research on the most reputable pet insurance companies, analyzing customer feedback, policy changes, and industry trends. Our licensed insurance agent fact-checks everything, and we update our reviews year-round as insurers adjust premiums, coverage, exclusions, and customer service.
We rank each U.S. pet insurance provider using a 100-point scale, ensuring an unbiased breakdown of how companies perform in real-world claims.
Our Ranking Criteria
- Coverage & Exclusions (30%) – We analyze policies, exclusions, and age restrictions, rewarding companies with fewer coverage limitations.
- Pricing (15%) – We run thousands of sample quotes and factor in extra fees, discounts, and add-ons.
- Customer Service & Reputation (12%) – We review hundreds of customer experiences, assess the sign-up process, and evaluate claim support.
- Financial Strength (10%) – We examine A.M. Best & Demotech ratings to ensure companies can pay claims reliably.
- Customization Options (10%) – Providers with more deductible, reimbursement, and payout flexibility rank higher.
- Waiting Periods (5%) – Shorter illness & accident waiting periods result in a better score.
- Claim Processing (5%) – Companies offering fast reimbursements and direct vet pay score higher.
- Innovation (3%) – We recognize unique offerings and advanced technology in the industry.
Unbiased Pet Insurance Rankings: Putting Pets First
Unlike many review sites, we don’t sell rankings—every provider earns its spot based on real performance. Our in-depth comparisons help pet parents make informed decisions, while insurers use our reviews to improve their policies. We only recommend the best because that’s what our readers deserve.
Why Trust Canine Journal?
Canine Journal has been covering the topic of pet insurance since 2012, well before other conglomerates discovered the rising popularity of health care for our pets. Many of our authors have personal experience with pet insurance, including Kimberly Alt, who has been Canine Journal’s go-to writer for pet insurance for over a decade, having written about nearly every possible facet related to pet insurance. Kimberly knows the subject so well that she can answer a breadth and depth of pet insurance questions immediately. And on the rare occasion she doesn’t know the answer off the top of her head, she can find it within minutes due to her extensive list of resources. Kimberly also consulted with Michelle Schenker, Canine Journal’s in-house licensed insurance agent, for additional expertise, to ensure accuracy, and give Canine Journal the authority to write about and assist readers in purchasing insurance policies legally. Kimberly has spent over 100 hours researching ASPCA and Figo, reading every line in their policies, speaking with their operation teams, and gathering quotes to bring you the most accurate information.