ASPCA Pet Health Insurance vs. Figo Pet Insurance
Figo Pet Insurance is the newest company offering pet insurance in the US, launching in April 2015. Our company has been selling pet insurance policies since 1997.
With Figo, customers have to give their pets an annual health check and an annual dental exam. They also have to provide any treatments normally suggested by a veterinarian to prevent illnesses and injuries. Some conditions may not be covered if these conditions are not met.
With ASPCA Pet Health Insurance Complete CoverageSM, you aren't required to perform any medical exams on your pet.
 |  | |
|---|---|---|
| Reimbursement | Choice of 90%, 80% or 70% of covered vet costs |
Choice of 100%, 90%, 80% or 70% of covered vet costs |
| Type of Deductible | Annual | Annual |
| Unlimited Plan Available | Yes | Yes |
| Illness Waiting Period | 14 Days | 14 Days |
| Accident Waiting Period | None | 5 Days |
| Preventive Care | Optional add-on | No |
| Coverage Includes: | ||
| Exam Fees | Yes | Yes |
| Lab Tests, X-rays, Hospitalization, Surgery, Diagnostics, etc. | Yes | Yes |
| Prescription Medications | Yes | Yes |
| Hereditary and Congenital Conditions | Yes | Yes |
| Alternative Therapies | Yes | Yes |
| Behavioral Issues | Yes | Yes |
| Dental Illnesses | Yes | No |
| Chronic Conditions | Yes | Yes |
| Specialists | Yes | Yes |
| Stem Cell Treatments | Yes | Yes |
| Prescription Food & Supplements To treat a covered condition (not for general maintenance or weight management) |
Yes | Yes, limited to treatment for bladder stones/crystals for 6 months |
| Microchip | Yes | No |
| No Vaccination Requirements for Coverage of Certain Conditions | Yes | No |
| Multiple Pet Discount | 10% for each additional pet | 10% for each additional pet |
| Age Limits for Illness Coverage Enrollment This is the age at which illness coverage is no longer available for new enrollments. Typically, a pet’s plan won’t be cancelled because of age. |
None | None |
| All Pets Eligible, Regardless of Health | Yes | Yes |
| Accident-Only Plan Available for All Pets | Yes | Yes |
| Money Back Guarantee | 30 Days | 30 Days |
| Experience | The agency that provides ASPCA Pet Health Insurance was founded in 1997. | Figo Pet Insurance launched in April 2015. |
| Better Business Bureau Rating | A+ | A+ |
