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.

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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 14 Days 5 Days
Preventive Care Optional add-on No
Coverage Includes:    
Exam Fees Yes Optional add-on
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 Yes
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+

Comparison information is provided using publicly available information as of 12/1/2018 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing socialmedia@cfinspet.com or mailing Marketing Department 1208 Massillon Road, Suite G 200, Akron OH 44306.