Head-to-Head Comparison
ASPCA vs. Figo
Trusted nonprofit brand vs. tech-forward newcomer
Our Verdict
Both ASPCA and Figo are strong options with different strengths. ASPCA excels in some areas while Figo leads in others — the best choice depends on your priorities.
ASPCA
3.9/5
Brand trust with competitive mid-tier pricing
Figo
3.9/5
100% reimbursement and tech-forward experience
Category-by-Category Breakdown
Coverage Limits
ASPCA
$5K–Unlimited
Figo
$5K–Unlimited
Both carriers offer comparable coverage limit options.
Monthly Premiums
ASPCA
$20–$75
Figo
$20–$80
Both carriers offer similar premium ranges.
Accident Waiting Period
ASPCA
14 days
Figo
1 day
Figo's 1 day accident waiting period is shorter.
Claims Speed
ASPCA
5–14 days
Figo
3–10 days
Both carriers have comparable claims processing times.
Financial Stability
ASPCA
Crum & Forster (A (Excellent))
Figo
Independence American (A- (Excellent))
Both carriers have comparable financial stability ratings.
Wellness Coverage
ASPCA
Available
Figo
Not available
ASPCA offers wellness coverage; Figo does not.
Deductible Options
ASPCA
$100, $250, $500
Figo
$100–$1,500
Both carriers offer deductible options to fit different budgets.
Expert Take
Mike
Licensed Insurance Professional (AAI, PRC, SBCS, CCIC)
ASPCA is the budget option; Figo is the feature-rich alternative at a higher price point. Figo's 100% reimbursement, 1-day accident waiting period, and Pet Cloud app justify the 20–30% premium over ASPCA for pet owners who want more from their insurance. ASPCA's strength is pure affordability — their base premiums are among the lowest available, making pet insurance accessible to more pet owners.
ASPCA's 14-day accident waiting period is a significant disadvantage compared to Figo's 1 day. Both carriers cap annual coverage, but Figo's limits tend to be higher. For budget-conscious pet owners who want basic coverage, ASPCA works.
For those willing to invest more in a premium experience with higher reimbursement and faster coverage activation, Figo is worth the upgrade. The right choice depends on whether you are optimizing for price or for coverage quality.
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