ASPCA vs. Figo Pet Insurance

Based on our pet insurance study, ASPCA is better than Figo overall, ranking higher for affordability and coverage. ASPCA offers the lowest rates for both dogs and cats, with savings up to 52% against the national average based on your pet’s age. It also has a broader base plan that includes exam fees and parasite treatment, plus a shorter waiting period for orthopedic conditions, making ASPCA the stronger choice for pet owners focused on cost savings without having to give up comprehensive coverage. 

On the other hand, Figo has a slightly better customer service than ASPCA, providing faster claims submission and approval processes, which are worth considering for owners who value a smooth claims experience.

ASPCA has broader pet insurance coverage than Figo overall. Although both providers include prescription medications, behavioral issues, physical rehabilitation and alternative treatments in their base plans, ASPCA goes a step further than Figo by covering exam fees, parasite treatment and prescription pet food at no extra cost. This makes ASPCA a stronger fit if your pet needs frequent veterinary visits, is at risk for parasites or your veterinarian prescribes pet food as part of treating a covered condition, such as kidney disease or diabetes, since those expenses are already included instead of requiring additional coverage.

On the other hand, Figo is the only pet insurer in my analysis to offer a 100% reimbursement option, which is accessible for $500 to $750 deductibles and $5,000 to $10,000 annual limits. These terms better suit a healthy mixed-breed pet than a high-risk purebred that could hit that ceiling in the middle of the policy year.

ASPCA and Figo take similar approaches in several core policy terms, but there are a few differences that can affect your out-of-pocket costs and how soon coverage begins.

• Reimbursement rates: ASPCA offers up to 90% reimbursement, while Figo has a 100% reimbursement option when paired with $500 or $750 deductibles and $5,000 or $10,000 annual limits, allowing more flexibility for pet owners who want the highest possible reimbursement.
• Exam fees: ASPCA includes exam fees in its base accident and illness policy, while Figo requires you to purchase an optional add-on to receive reimbursement for office visits, emergency exam fees and specialist consultation fees.
• Waiting period for accidents: Figo has a 1-day waiting period for accidents, compared with 14 days for ASPCA, making Figo the better choice if you want accident coverage to begin almost immediately.
• Waiting period for orthopedic conditions: ASPCA covers orthopedic conditions after a 14-day waiting period, whereas Figo applies a six-month orthopedic waiting period, which makes ASPCA more preferable if you're concerned about joint or ligament injuries occurring soon after enrollment.
• Pre-existing conditions: ASPCA covers curable pre-existing conditions after 180 symptom-free days, faster than Figo that requires a 12-month symptom-free period before a curable condition may be eligible for coverage again.

The table below further breaks down ASPCA's and Figo's coverage offerings:

Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.

Figo offers more optional add-ons than ASPCA, but its advantage is less significant because its add-on for vet exam fees is already included in ASPCA's base accident and illness policy. 

Both pet insurers also provide preventive care coverage, but ASPCA's add-on has more flexibility with two wellness tiers and separate annual reimbursement amounts for many routine services, including individual vaccine categories. Meanwhile, Figo's single-tier wellness add-on groups all covered vaccines under a single $50 annual reimbursement, so pet owners may reach that limit more quickly if their pet needs several vaccinations during the policy year.

Whether you're insuring a dog or cat at any age, ASPCA has lower pet insurance costs than Figo, with savings up to 52%. ASPCA also offers the cheapest pet insurance for most medium-sized dog breeds (30 to 60 pounds) and those located in the West region. Meanwhile, Figo provides the most affordable rates for Australian Mists and select giant dog breeds (over 100 pounds), including Caucasian Shepherd Dogs and Central Asian Shepherd Dogs.

ASPCA offers more pet insurance discounts than Figo, with four ways to save compared to Figo's three. Figo is preferable for Costco and military members, with 15% and 5% discount opportunities. Meanwhile, ASPCA is better for veterinary employees and those wanting to insure multiple pets, saving up to 10% for both groups.

Figo leads aheads of ASPCA for customer experience, but both companies land in the bottom tier of my analysis for dogs and cats, with Figo ranking 13th and ASPCA 16th. That said, Figo provides one of the best claims submission experience, allowing you to upload invoices and medical records in minutes while tracking claim status throughout the review process. It also processes claims quickly, with reimbursements deposited in days once complete documentation is received.

On the other hand, ASPCA's overall customer service is functional with no remarkable features to improve the experience. It surpasses Figo in making claim decisions that fairly align with your policy terms and documented medical history, though it's not among the best for claims fairness.

ASPCA is the stronger choice if you're looking for broad financial protection at a lower monthly cost, while Figo is slightly better for customer experience but generally charges higher rates and offers limited coverage flexibility.

Before choosing either provider, make sure you can answer these questions:

• How much can you comfortably spend each month?
• Which treatments or services do you want covered for your pet's breed and age?
• How much financial risk are you willing to pay out of pocket through deductibles, reimbursement rates and annual limits?
• Which are your top priorities among affordability, customer experience and coverage?

Once you've answered these questions, it becomes much easier to determine the provider that best matches your budget, coverage priorities and expectations for the overall policy experience.

Compare ASPCA and Figo with other major pet insurance companies to determine the best choice for your pet:

To build our ASPCA and Figo rankings, my team and I analyzed more than 67,000 pet profiles across breeds, ages and states, collecting quotes, testing the buying and claims experience firsthand and reviewing policy documents line by line. Our national scores are based on a 6-year-old Labrador Retriever and a 7-year-old Ragdoll, each with a $5,000 annual limit, $500 deductible and 80% reimbursement rate. 

For a full breakdown of how we score each category, visit our methodology page.