ASPCA vs. Figo Pet Insurance

Based on our pet insurance study, ASPCA is better than Figo overall, ranking higher for affordability and coverage. ASPCA has the lowest rates for both dogs and cats, with savings up to 52% against the national average depending on your pet's age. It also has a broader base plan, including exam fees and parasite treatment, plus a shorter orthopedic waiting period, making ASPCA better if you're focused on cost savings without giving up broad coverage.

Figo, meanwhile, has slightly better customer service than ASPCA, with faster claims submission and approval, so consider it a smooth claims experience matters to you.

ASPCA has broader pet insurance coverage than Figo overall. Both providers include prescription medications, behavioral issues, physical rehabilitation and alternative treatments in their base plans, but ASPCA goes further, covering exam fees, parasite treatment and prescription pet food at no extra cost. This makes ASPCA a stronger fit if your pet needs frequent vet visits, is at risk for parasites, or your vet prescribes pet food for a covered condition like kidney disease or diabetes, since those expenses are already included instead of needing add-on coverage.

But Figo is the only insurer in my analysis to offer a 100% reimbursement option, accessible for $500 to $750 deductibles and $5,000 to $10,000 annual limits. These terms suit a healthy mixed-breed pet better than a high-risk purebred that could hit that ceiling mid-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 has 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, so there's 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, so Figo is 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. ASPCA is better 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 details 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 has more optional add-ons than ASPCA, but the advantage is smaller than it looks because its vet-exam-fees add-on is already included in ASPCA's base policy.

Both insurers have preventive care coverage, but ASPCA's add-on gives more flexibility, with two wellness tiers and separate annual reimbursement amounts for many routine services, including individual vaccine categories.

Figo's single-tier wellness add-on groups all covered vaccines under one $50 annual reimbursement, so you may hit that limit faster if your pet needs several vaccinations during the policy year.

ASPCA has lower pet insurance costs than Figo across every age group for both dogs and cats, with savings up to 52%. ASPCA also has the cheapest pet insurance for most medium-sized dog breeds (30 to 60 pounds) and pet owners in the West region.

Figo, meanwhile, is the most affordable option for Australian Mists and select giant dog breeds (over 100 pounds), including Caucasian Shepherd Dogs and Central Asian Shepherd Dogs.

ASPCA has more pet insurance discounts than Figo: four ways to save compared to Figo's three. Figo is the better choice for Costco and military members, with 15% and 5% discounts respectively. ASPCA is better for veterinary employees and anyone insuring multiple pets, with savings up to 10% for both groups.

Figo has one of the easiest claims submission experiences, letting you upload invoices and medical records in minutes while tracking claim status throughout the review. It also processes claims quickly, with reimbursements deposited within days of receiving complete documentation.

ASPCA's overall customer service is functional, without remarkable features to improve the experience. But it beats Figo on making claim decisions that fairly align with your policy terms and documented medical history, even though it isn't among the best for claims fairness overall.

Figo ranks ahead of ASPCA for customer experience, though both companies land in the bottom tier of my analysis for dogs and cats, with Figo at 13th and ASPCA at 16th.

ASPCA is the stronger choice for broad financial protection at a lower monthly cost. Figo is slightly better for customer experience, but it generally charges higher rates and offers less 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?

Answering makes it easier to find the provider that best matches your budget, coverage priorities and expectations for the overall policy experience.

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.