Figo provides better pet insurance coverage for dogs and cats than ASPCA, ranking fifth nationally while ASPCA ranks eighth. Both companies offer similar deductible ranges and reimbursement rates, but Figo stands out with shorter accident waiting periods and greater policy flexibility, allowing coverage changes within 30 days of enrollment compared to ASPCA's more restrictive adjustment policies.
ASPCA vs. Figo Pet Insurance
Updated: November 3, 2025
Advertising & Editorial Disclosure
ASPCA vs. Figo Pet Insurance: Key Takeaways
Figo provides more affordable coverage for cats at $30 monthly while ASPCA offers better rates for dogs at $48 monthly, compared to their competitors' rates of $31 and $52 respectively.
ASPCA ranks sixth nationally in customer experience for both cats and dogs, maintaining a 3.7 out of 5.0 Trustpilot rating, while Figo places seventh with a 3.9 Trustpilot score.
Figo achieves a fifth place national ranking for coverage compared to ASPCA's eighth place position, with both providers offering standard accident coverage and wellness add ons.
Is ASPCA or Figo Pet Insurance Better?
Data filtered by:
Dog
| Affordability | ASPCA | 2 | 8 |
| Coverage | Figo | 5 | 8 |
| Customer Experience | ASPCA | 6 | 7 |
| Overall Score | ASPCA | 5 | 8 |
ASPCA and Figo Comparison by State
Both ASPCA and Figo lead in three states each for cat coverage. ASPCA ranks as the best pet insurance company in three states for dogs, while Figo tops dog coverage in Iowa and New Jersey. Figo leads cat insurance in Arkansas, Nebraska and Vermont.
Data filtered by:
Overall Score
Dog
| Alabama | ASPCA | 5 | 3 |
| Alaska | Figo | 6 | 1 |
| Arizona | ASPCA | 5 | 2 |
| Arkansas | Figo | 5 | 2 |
| California | ASPCA | 5 | 4 |
| Colorado | ASPCA | 5 | 3 |
| Connecticut | ASPCA | 5 | 3 |
| Delaware | ASPCA | 6 | 2 |
| Florida | ASPCA | 5 | 3 |
| Georgia | ASPCA | 5 | 1 |
| Hawaii | Figo | 5 | 1 |
| Idaho | ASPCA | 5 | 3 |
| Illinois | ASPCA | 5 | 4 |
| Indiana | ASPCA | 5 | 3 |
| Iowa | Figo | 4 | 1 |
| Kansas | ASPCA | 6 | 2 |
| Kentucky | ASPCA | 7 | 1 |
| Louisiana | ASPCA | 5 | 2 |
| Maine | ASPCA | 8 | 2 |
| Maryland | ASPCA | 7 | 2 |
| Massachusetts | ASPCA | 5 | 4 |
| Michigan | ASPCA | 5 | 3 |
| Minnesota | ASPCA | 5 | 1 |
| Mississippi | ASPCA | 5 | 4 |
| Missouri | ASPCA | 5 | 3 |
| Montana | ASPCA | 6 | 2 |
| Nebraska | Figo | 5 | 1 |
| Nevada | ASPCA | 4 | 4 |
| New Hampshire | ASPCA | 6 | 1 |
| New Jersey | Figo | 4 | 3 |
| New Mexico | ASPCA | 5 | 1 |
| New York | ASPCA | 5 | 3 |
| North Carolina | ASPCA | 5 | 4 |
| North Dakota | ASPCA | 6 | 2 |
| Ohio | ASPCA | 5 | 3 |
| Oklahoma | ASPCA | 4 | 5 |
| Oregon | ASPCA | 5 | 4 |
| Pennsylvania | ASPCA | 5 | 4 |
| Rhode Island | ASPCA | 5 | 3 |
| South Carolina | ASPCA | 8 | 1 |
| South Dakota | ASPCA | 4 | 4 |
| Tennessee | ASPCA | 5 | 3 |
| Texas | ASPCA | 5 | 3 |
| Utah | ASPCA | 5 | 3 |
| Vermont | Figo | 5 | 2 |
| Virginia | ASPCA | 5 | 4 |
| Washington | ASPCA | 6 | 2 |
| West Virginia | ASPCA | 5 | 1 |
| Wisconsin | ASPCA | 5 | 3 |
| Wyoming | Figo | 6 | 1 |
ASPCA vs. Figo Pet Insurance Cost
Pet insurance rates vary between Figo and ASPCA depending on your pet's age. Figo offers cheaper coverage for most age groups, while ASPCA provides better rates for senior pets. For middle-aged dogs, ASPCA costs $48 per month compared with Figo's $52. Middle-aged cats cost $30 with Figo versus $31 with ASPCA.
Learn how much pet insurance costs across different age categories.
Data filtered by:
Select
| Kittens | Figo | $10 | 25% |
| Young Cats | Figo | $16 | 17% |
| Puppies | Figo | $21 | 13% |
| Young Dogs | Figo | $30 | 5% |
| Middle Aged Cats | Figo | $30 | 2% |
| Middle Aged Dogs | ASPCA | $48 | 8% |
| Senior Cats | ASPCA | $74 | 28% |
| Senior Dogs | ASPCA | $116 | 35% |
ASPCA vs. Figo Pet Insurance Cost by State
Pricing varies by pet age when comparing cheapest pet insurance options between these providers. Figo offers lower rates for younger pets and middle-aged cats in 46 states, while ASPCA leads for middle-aged dogs and senior pets nationwide.
Data filtered by:
Middle Aged Dogs
| Alabama | ASPCA | $35 | 9% |
| Alaska | ASPCA | $47 | 8% |
| Arizona | ASPCA | $58 | 8% |
| Arkansas | ASPCA | $32 | 8% |
| California | ASPCA | $60 | 9% |
| Colorado | ASPCA | $60 | 9% |
| Connecticut | ASPCA | $55 | 8% |
| Delaware | ASPCA | $48 | 8% |
| Florida | ASPCA | $54 | 9% |
| Georgia | ASPCA | $43 | 8% |
| Hawaii | ASPCA | $48 | 8% |
| Idaho | ASPCA | $48 | 8% |
| Illinois | ASPCA | $59 | 9% |
| Indiana | ASPCA | $43 | 9% |
| Iowa | ASPCA | $40 | 8% |
| Kansas | ASPCA | $44 | 8% |
| Kentucky | ASPCA | $38 | 8% |
| Louisiana | ASPCA | $39 | 8% |
| Maine | ASPCA | $58 | 9% |
| Maryland | ASPCA | $47 | 9% |
| Massachusetts | ASPCA | $62 | 9% |
| Michigan | ASPCA | $48 | 8% |
| Minnesota | ASPCA | $50 | 8% |
| Mississippi | ASPCA | $41 | 9% |
| Missouri | ASPCA | $38 | 8% |
| Montana | ASPCA | $40 | 8% |
| Nebraska | ASPCA | $43 | 8% |
| Nevada | ASPCA | $50 | 8% |
| New Hampshire | ASPCA | $56 | 8% |
| New Jersey | ASPCA | $54 | 8% |
| New Mexico | ASPCA | $42 | 8% |
| New York | ASPCA | $52 | 8% |
| North Carolina | ASPCA | $43 | 9% |
| North Dakota | ASPCA | $37 | 8% |
| Ohio | ASPCA | $44 | 9% |
| Oklahoma | ASPCA | $40 | 9% |
| Oregon | ASPCA | $59 | 9% |
| Pennsylvania | ASPCA | $50 | 9% |
| Rhode Island | ASPCA | $42 | 8% |
| South Carolina | ASPCA | $45 | 8% |
| South Dakota | ASPCA | $42 | 8% |
| Tennessee | ASPCA | $44 | 9% |
| Texas | ASPCA | $51 | 8% |
| Utah | ASPCA | $46 | 8% |
| Vermont | ASPCA | $45 | 8% |
| Virginia | ASPCA | $51 | 9% |
| Washington | ASPCA | $55 | 8% |
| West Virginia | ASPCA | $41 | 8% |
| Wisconsin | ASPCA | $51 | 8% |
| Wyoming | ASPCA | $44 | 8% |
ASPCA vs. Figo Pet Insurance Discounts
ASPCA offers more pet insurance discounts than Figo, with five ways to save compared to Figo's four discount options. The table below details each provider's specific discount offerings and savings amounts.
Save 10% on each additional pet’s premium when enrolling more than one pet. | Save 5% when you enroll more than one pet. | |
Bundling | None | None |
Annual Pay-In Full | None | None |
Association/Club Member | Members of certain organizations may be eligible for discounted rates. | Costco members can receive 15% off a new policy through Figo’s Costco partnership (in select states). |
Employer Group | Employees of participating companies may receive exclusive discounts when enrolling through an employer. | None |
ASPCA vs. Figo Pet Insurance Customer Experience
ASPCA delivers better customer experience than Figo, ranking sixth nationally for both dog and cat insurance in our study. ASPCA maintains consistent quality with an A+ BBB rating and solid Trustpilot reviews, while Figo's lower B BBB rating reflects mixed customer feedback despite slightly higher Trustpilot scores.
ASPCA vs. Figo Trustpilot Ratings
Figo earns a slightly higher Trustpilot rating at 3.9 out of 5.0 compared to ASPCA's 3.7 out of 5.0. Both ratings reflect mixed customer feedback from verified users, with neither provider achieving standout performance in customer satisfaction surveys.
ASPCA vs. Figo BBB Ratings
ASPCA maintains an A+ BBB rating with accreditation, while Figo holds a B rating with accreditation. These ratings indicate ASPCA demonstrates stronger complaint resolution and business transparency compared to Figo.
ASPCA vs. Figo Pet Insurance Reddit Sentiment
We analyzed Reddit discussions and found ASPCA received 36% positive sentiment from 11 total comments, while Figo achieved 17% positive sentiment from 12 comments. Both providers show concerning negative feedback patterns, with ASPCA performing better overall despite mixed user experiences on the platform.
ASPCA vs. Figo Pet Insurance Coverage
Figo offers better pet insurance coverage for dogs and cats than ASPCA, ranking sixth nationally while ASPCA ranks eighth. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but Figo has a shorter waiting period for accidents, more coverage selection flexibility and allows pet owners to change their coverage within the first 14 days of purchase.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ | ✓ |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $250, $500 | $100, $250, $500, $750 | |
$2,500, $3,000, $5,000, $7,000, $10,000, Unlimited | $5,000, $10,000, Unlimited | |
70%, 80%, 90% | 70%, 80%, 90%, 100% | |
14 days for accidents and illnesses | 1 day for accidents, 14 days for illnesses, 6 months for orthopedic (can be waived) | |
Age restrictions | No upper age limit | No upper age limit |
Curable conditions covered after 180 symptom-free days | Curable conditions may be covered after 12 months symptom-free; chronic excluded | |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
ASPCA vs. Figo Pet Insurance Add-ons
Figo offers more pet insurance add-ons than ASPCA, with broader customizations for modern pet care needs. Both providers offer wellness options to help manage the cost of routine preventive care, but Figo stands out by also offering coverage for veterinary exam fees and alternative therapies.
ASPCA Pet Insurance Add-ons
ASPCA offers two preventive care add-ons:
- Basic preventive care plan: Covers wellness exams, routine vaccines, dental cleaning, heartworm testing, deworming, and fecal testing. Helps offset the cost of routine vet visits.
- Prime preventive care plan: Includes all Basic plan benefits plus spay/neuter procedures, urinalysis, additional vaccines, blood tests, and health certificates. Designed for more proactive pet parents seeking comprehensive routine care.
Figo Pet Insurance Add-ons
Figo offers a broader range of wellness and lifestyle-oriented add-ons:
- Wellness Powerup (Basic): Covers routine services such as annual wellness exams, vaccines, fecal exams, deworming, and bloodwork to support preventive health.
- Wellness Powerup (Plus): Adds more coverage including spay/neuter, microchipping, and routine dental cleanings for more complete wellness support.
- Exam fee coverage: Reimburses veterinary exam fees related to accidents and illnesses — a cost often excluded from base policies.
- Veterinary alternative therapies: Covers services such as acupuncture, chiropractic care, hydrotherapy and other rehabilitative treatments that support recovery.
- End-of-life care: Offers coverage for vet-recommended euthanasia and cremation, helping pet owners manage emotional and financial burdens during difficult moments.
ASPCA vs. Figo Pet Insurance: Bottom Line
Choosing between ASPCA and Figo depends on your pet and priorities. Figo delivers better coverage options and more affordable rates for cats, with middle-aged cats starting at $30 per month. However, ASPCA provides superior customer service, earning an A+ BBB rating and 3.7 out of 5.0 Trustpilot score, plus better pricing for dogs at $48 monthly for middle-aged pets.
ASPCA vs. Figo Pet Insurance Comparison: FAQ
Compare ASPCA and Figo pet insurance through these common questions:
Which is cheaper: ASPCA vs Figo pet insurance?
Neither provider consistently offers cheaper rates across all pet categories. Figo costs less for younger pets, with middle-aged cats averaging $30 monthly versus ASPCA's $31. However, ASPCA provides better rates for older pets and middle-aged dogs at $48 monthly compared to Figo's $52. Your pet's age determines which insurer offers more affordable coverage.
Which has better customer service: ASPCA vs Figo pet insurance?
ASPCA provides better customer service, ranking 6th nationally for customer experience compared to Figo's lower ranking. ASPCA holds an A+ BBB rating and a 3.7 out of 5.0 Trustpilot score, while Figo receives a B BBB rating and a 3.9 Trustpilot score. Despite Figo's slightly higher Trustpilot rating, ASPCA's superior BBB rating and national ranking demonstrate stronger overall customer service performance.
Which offers better coverage: ASPCA vs Figo pet insurance?
Figo offers better coverage than ASPCA, ranking fifth nationally compared to ASPCA's eighth-place ranking for both cats and dogs. Figo provides more comprehensive add-on options including behavioral therapy, dental illness coverage, and end-of-life care, while ASPCA focuses primarily on wellness plans. Both insurers cover standard needs like diagnostics, medications, and chronic conditions, but Figo's broader selection of optional coverage allows more customization for your pet's specific needs.
Can I switch from ASPCA vs Figo pet insurance or vice versa?
Yes, you can switch between ASPCA and Figo pet insurance anytime by canceling your current policy and buying a new one. However, new waiting periods will apply: 14 days for illnesses and six months for orthopedic conditions with both providers. Any conditions your pet had under the previous policy become pre-existing conditions that won't be covered.
Does ASPCA vs Figo cover pre-existing conditions?
Neither ASPCA nor Figo covers pre-existing conditions when you first enroll your pet. However, both companies may provide coverage later for certain curable conditions. ASPCA considers covering previously excluded conditions after your pet remains symptom-free for 180 days, while Figo requires a full year without symptoms before reinstating coverage.
Can I get discounts with both ASPCA vs Figo pet insurance?
Yes, both ASPCA and Figo offer discounts to help reduce premium costs. ASPCA provides multiple discount options, including savings for military members, veterinary professionals, and multi-pet households. Figo offers fewer discount programs but includes multi-pet discounts and promotional savings for new customers. Both companies' discount availability varies by location and policy type.
What are the age limits for ASPCA vs Figo pet insurance?
ASPCA pet insurance accepts pets of any age with no upper enrollment limits, making it accessible for senior animals. Figo restricts enrollment to pets under 14 years old, which limits coverage options for older pets. This age difference makes ASPCA more suitable for senior pet owners.
How We Scored ASPCA vs. Figo Pet Insurance
Our ASPCA vs Figo comparison analyzed both providers using identical pet profiles and coverage specifications. We collected quotes from each company based on the same policy settings to ensure fair evaluation.
- $5,000 annual limit
- 80% reimbursement rate
- $500 deductible
- 6-year-old Labrador Retriever for dog coverage
- 7-year-old Ragdoll for cat coverage
We scored both providers using three weighted factors that matter most to pet owners.
Affordability (50% of score): We gathered quotes across multiple pet ages and coverage options to measure real-world pricing, including available discounts that affect actual premiums.
Customer Experience (30% of score): We analyzed Trustpilot ratings and online reviews to assess customer satisfaction with claims processing and support quality.
Coverage (20% of score): We compared policy features, waiting periods and available add-ons to determine which provider offers more comprehensive pet health protection.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.