Compare ASPCA® Pet Health Insurance vs. Figo Pet Insurance
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.
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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 | 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.
Experience
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 socialmedia@cfinspet.com or mailing Marketing Department 1208 Massillon Road, Suite G 200, Akron OH 44306.
