Pet insurance policies are underwritten by Markel American Insurance Company.
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Figo vs. ASPCA

See How We Compare

In searching for the best pet insurance plans, pet parents should pay close attention to the following differences when comparing Figo to ASPCA’s pet medical coverage.

Figo Pet Insurance vs. ASPCA

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Insurance Plan Coverages Figo Pet InsuranceASPCA
Unlimited Lifetime Benefit PlanIncludedIncluded
Three Flexible Plans for Illness & InjuryIncludedIncluded
One Annual DeductibleIncludedIncluded
100% Reimbursement CoverageIncludedNot included or some inclusions
Exam Fee for Illness & Injury (optional)IncludedIncluded
Copay & Deductible Waived for Life-Saving TreatmentIncludedNot included or some inclusions
No Per Incident Cap on ClaimsIncludedIncluded
Alternative & Holistic Treatment Without RestrictionsIncludedIncluded
No Upper Age Limits on PetsIncludedIncluded
Lost Pet CoverageIncludedNot included or some inclusions
Hip Dysplasia Without RestrictionsIncludedIncluded
Chronic Conditions Without RestrictionsIncludedIncluded
Hereditary Conditions Without RestrictionsIncludedIncluded
Mobility Devices Without CapIncludedIncluded
Ability to Waive Waiting Period for Healthy KneesIncludedNot included or some inclusions
No Extended Waiting Period for Hip DysplasiaIncludedIncluded
14 Days or Better Waiting Period for All IllnessesIncludedIncluded
Pre-Existing ConditionsNot included or some inclusionsNot included or some inclusions
Add Pets via Online Account PortalIncludedIncluded
View Policy Records OnlineIncludedIncluded
Full Mobile App for iOS & Android (Not Just Claims)IncludedNot included or some inclusions
Return to Comparison Page
included
not included or some inclusions

Compare Figo to ASPCA:

  • Copay & Deductible Waived for Life-Saving Treatment. Figo may waive the co-pay and deductible for covered life-threatening treatment. ASPCA does not offer a life-saving treatment waiver.
  • 100% Reimbursement Coverage. ASPCA does not offer a 100% reimbursement option, while Figo offers 100% reimbursement with all three plans, allowing pet parents to recoup their total covered pet medical expenses.
  • Waiting Period Waiver for Healthy Knees. Figo maintains that if have your pet examined by a veterinarian within the first 30 days of the policy, and the medical record specifically notes that your pet does not have any pre-existing conditions relating to its knees, the 6-month exclusion may not apply. ASPCA does not offer a waiting period waiver for healthy knees.

If you have questions regarding our pet insurance plans and coverages, visit the Figo FAQ page, or contact our customer service team.

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