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.

Example Monthly Cost*
Complete CoverageSM
$10,000 Annual Limit:
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+