You should consider experience when you’re comparing pet insurance providers. One way to measure experience is by looking at the number of years a company has been in business. Figo launched in April of 2015. Our company has been selling pet insurance policies since 1997. Figo also has requirements around pet care that you’ll need to follow in order to get reimbursed for your claims.

ASPCA® Pet Health Insurance Figo Pet Insurance
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 3 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
Upper 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+ B+

Figo Insurance Plan Comparison

You should look carefully at experience and pet care requirements when you compare Figo pet insurance with ASPCA® Pet Health Insurance plans.


How much experience does a provider have in the pet insurance industry? That’s an important question to ask when shopping for plans. Figo began offering pet insurance plans in 2015. The agency that provides ASPCA® Pet Health Insurance was founded in 1997. Figo has a B+ rating from the Better Business Bureau, while we have an A+ rating.

Pet Care Requirements

Figo’s policy has a number of requirements concerning how you care for your pet. If you do not follow these requirements, some conditions may not be covered. For instance, you must get your pet a yearly check-up, annual dental exam, and dental cleaning (if recommended). You also need to keep your pet’s vaccinations up-to-date according to your veterinarian’s recommendations. Additionally, you must give your pet preventive mediations for fleas, ticks, lice, and other parasites. Their policy form states that you must provide “treatment normally suggested by a vet to prevent illness or injury” or your claims may be rejected.

ASPCA® Pet Health Insurance plans do not have any requirements around your pet’s exams, dental care, vaccinations, or preventive medications. We don’t want to interfere with any of your pet’s health care decisions. They are best left to you and your veterinarian. We also won’t refuse to pay a claim if you forget something like taking your pet to the veterinarian for a check-up or a teeth cleaning.

Preventive Care

While Figo requires you to take certain preventive care measures, such as a yearly exam, dental cleaning, and vaccines, they do not offer coverage to help you manage the costs of these services. With ASPCA® Pet Health Insurance coverage, you can add preventive care coverage to your plan at a low additional cost. This coverage reimburses you a set amount for a list of conditions with no deducible or co-insurance required.

Exam Fees

Pretty much every time you go to the veterinarian, you’ll be billed for an exam fee. Exam fees for eligible conditions are included in your coverage with ASPCA® Pet Health Insurance plans. If you choose Figo and would like to be reimbursed for exam fees, you’ll need to pay extra for it.

Prescription Food and Supplements

Figo only covers prescription food and supplements for bladder stones or crystals, and then just for up to six months. ASPCA® Pet Health Insurance plans cover these items when they’re used to treat covered conditions (not for general maintenance or weight management) up to your coverage limits without any time restrictions.

*We offer a 30-day money back guarantee if no claims are filed. Not available in NY.

Comparison information is provided using publicly available information as of 7/1/2019 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 or mailing Marketing Department 1208 Massillon Road, Suite G 200, Akron OH 44306.