Key Differences
Figo has shorter accident and illness waiting periods.
The ASPCA Pet Health Insurance Program has a longer window to file a claim.
Figo has the option to select an unlimited annual limit, while the ASPCA Pet Health Insurance Program has a maximum annual limit of $10,000.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans ASPCA Pet Health Insurance Program and Figo offer.
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 |
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|---|---|---|
Price: |
Get a Quote | Get a Quote |
Overall Rating: |
|
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Total Reviews: |
7,529 |
10,890 |
Deductible: |
$100, $250, or $500 |
$100, $250, $500, or $750 |
Reimbursement: |
70%, 80%, or 90% |
70%, 80%, 90%, or 100%** |
Annual Limit: |
$2,500 to $10,000 |
$5,000, $10,000, or Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
15 days |
1 day* |
Illness Waiting Period: |
15 days |
14 days |
Wellness Waiting Period: |
0 days |
0 days |
Orthopedic Waiting Period: |
14 days |
6 months |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Optional |
Dental Coverage: |
Limited Coverage |
Limited Coverage |
Exam Fee Coverage: |
Yes |
Additional Cost |
Direct Vet Pay: |
No |
No |
Claims Expiration: |
Within 270 days of treatment |
Within 180 days of treatment |
Claims Submission App: |
Yes |
Yes |
The ASPCA Pet Health Insurance Program Accident and Illness Coverage
The accident and illness coverage from the ASPCA Pet Health Insurance Program, Complete Coverage, may provide coverage for unexpected health issues your dog or cat may encounter. You can customize this coverage to fit your needs and budget.
Deductible Options
$100, $250, or $500
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$2,500, $5,000, $7,000, or $10,000
What’s Covered
Accidents
Alternative Therapy
Behavioral Issues
Behavioral Therapy
Cancer Coverage
Chronic Conditions
Dental Care (Limited)
Emergency Care
Exam Fees
Hereditary Conditions
Illnesses
Prosthetic Devices and Wheelchairs
Prescription Medications
Orthopedic Issues
Preventative Care Coverage
The ASPCA Pet Health Insurance Program provides two levels of an optional preventative coverage add-on, Basic and Prime:
Basic Preventative Care Coverage
Dental Cleaning
Wellness Exam
DHLPP Vaccine/Titer or Feline FVRCP Vaccine/Titer
Rabies and/or Canine Lyme or Feline FIP Vaccine/Titer
Fecal Test
Heartworm or Feline FELV Test
Deworming
Prime Preventative Care Coverage
Dental Cleaning OR Spay/Neuter
Wellness Exam
DHLPP Vaccine/Titer or Feline FVRCP Vaccine/Titer
Rabies and/or Canine Lyme or Feline FIP Vaccine/Titer
Fecal Test
Heartworm or Feline FELV Test
Deworming
Flea/Heartworm Prevention
Blood Test
Urinalysis
Bordetella or FELV Vaccine/Titer
Health Certificate
Figo Accident and Illness Coverage
Figo offers three different plans with varying levels of coverage: Popular, Higher Coverage, and Value Plus. With Figo, you also have the option to configure your annual coverage, reimbursement percentage, and deductible to create a custom plan that fits your needs and budget.
Deductible Options
$100, $250, $500, or $750
Reimbursement Options
70%, 80%, 90%, 100%*
Annual Limit Options
$5,000, $10,000, or Unlimited Annual Limit
What's Covered
Here's what is covered in each plan Figo offers.
Popular
This plan covers 80% of approved medical costs of up to $10,000 a year after you meet a $250 deductible.
Accidents
Cancer Coverage
Chronic Conditions
Dental Care (Non-Routine)
Diagnostic Tests and Imaging
Emergency Care
Euthanasia
Hereditary Conditions
Holistic and Alternative Treatments
Illnesses
Orthopedic Conditions
Prescription Medications
Rehabilitation and Mobility Devices
Surgery
Higher Coverage
Everything listed in the Popular plan is covered. The difference is that the Higher Coverage plan covers 90% of approved medical costs with no annual coverage limit after you meet a $500 deductible.
Value Plus
Everything listed in the Popular plan is covered. The difference is that the Value Plus plan covers 70% of approved medical costs of up to $10,000 a year after you meet a $500 deductible.
Custom
Everything listed in the Popular is covered. The difference is that with a custom plan, you can configure your annual coverage limit, reimbursement, and deductible to fit your budget.
Optional Add-Ons
Figo does not cover vet exam fees for accidents and illnesses, including telehealth consultations unless you add it to a main insurance plan. Additionally, routine care is not covered in the main insurance plans but can be added on.
Vet Exam Fees
This add-on enables reimbursement for exam and consultation fees related to accidents and illnesses.
Wellness Coverage
This add-on covers you up to the annual limit that Figo will reimburse you per year on each eligible expense.
Wellness Exams - $40 annual limit
Vaccines -$50 annual limit
Flea, Tick, and Heartworm
Heartworm Preventative
Rabies
DHLP (Distemper, Hepatitis, Leptospirosis, Parainfluenza)
Parvovirus/Corona
Bordetella
Lyme
Canine Influenza
FVRCP (Feline Viral Rhinotracheitis, Calicivirus, Panleukopenia)
Leukemia
FIP (Feline Infectious Peritonitis)
Other Vaccines as approved for general use by AVMA (American Veterinary Medical Association), or equivalent industry regulating entity
Spay/Neuter or Teeth Cleaning - $75 annual limit
Tests - $45 annual limit
Blood Panel
Heartworm Test
Fecal Test
Urinalysis Test
FeLV Test (Feline Leukemia Virus)
Microchip / Health Certificate - $30 annual limit
Deworming - $10 annual limit
* 100% reimbursement is available with deductibles of $500 and $750 but is not available with an unlimited annual limit.
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for ASPCA Pet Health Insurance Program and Figo.
ASPCA Pet Health Insurance Program Claims Details
The ASPCA Pet Health Insurance Program has an app you can use to submit your claims directly. Alternatively, you can fax, mail, or email your claim form with invoice(s) within 270 days of treatment.
Quick claims process with an easy-to-use app
Trackable claim status using the app
Direct deposit option for receiving reimbursements
Figo Claims Details
Figo Pet Insurance has an app you can use to submit your claims directly. Alternatively, you can fax, mail, or email your claim form with invoice(s) within 180 days of treatment.
Direct deposit option for receiving reimbursements
Convenient claim submission with Figo Pet Cloud
Most claims are processed within 3 business days
Our ASPCA Pet Health Insurance Program vs. Figo Review
The ASPCA Pet Health Insurance Program and Figo Pet Insurance offer comprehensive coverage for accidents, illnesses, and various health issues like cancer and breed-specific conditions. Both providers also offer optional wellness coverage add-ons to their base plans. You can configure plans based on your pet's needs and budget with the ASPCA Pet Health Insurance Program and Figo. But there are some differences in customization to note, like deductible and annual limit options. Overall, both providers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
