Head-to-Head
ASPCA vs Figo
Side-by-side comparison of coverage, pricing, waiting periods, and overall value.
Coverage comparison
| Feature | ASPCA | Figo |
|---|---|---|
| Hereditary | ✓ Yes | ✓ Yes |
| Congenital | ✓ Yes | ✓ Yes |
| Bilateral | ✓ Yes | ✓ Yes |
| Dental | ✓ Yes | ✗ No |
| Behavioral | ✓ Yes | ✓ Yes |
| Prescription | ✓ Yes | ✓ Yes |
| Alternative Therapies | ✓ Yes | ✓ Yes |
| Exam Fees | ✓ Yes | ✗ No |
Pricing comparison
| Dog type | ASPCA | Figo |
|---|---|---|
| Small (young) | $25–$50/mo | $20–$45/mo |
| Medium (young) | $35–$65/mo | $28–$60/mo |
| Large (young) | $45–$85/mo | $38–$82/mo |
| Brachycephalic | $50–$95/mo | $45–$95/mo |
| Large (senior) | $60–$120/mo | $55–$120/mo |
Plan flexibility
| Option | ASPCA | Figo |
|---|---|---|
| Deductibles | $100, $250, $500 | $100, $250, $500, $750, $1000, $1500 |
| Reimbursement | 70%, 80%, 90% | 70%, 80%, 100% |
| Annual limits | $5000, $10000, Unlimited | $5000, $10000, Unlimited |
Waiting periods
| Type | ASPCA | Figo |
|---|---|---|
| Accidents | 14 days | 1 days |
| Illness | 14 days | 14 days |
| Orthopedic | None | 6mo |
Strengths & weaknesses
ASPCA
✓ Optional preventive care wellness plan
✓ Behavioral coverage included
✓ No upper age limit for enrollment
✓ Comprehensive coverage including dental illness
✓ Backed by trusted ASPCA brand
✗ 14-day accident waiting period
✗ 6-month cruciate ligament wait
✗ Underwritten by Crum & Forster not ASPCA directly
✗ Wellness add-on costs extra
Figo
✓ Pet Cloud app for managing everything
✓ 100% reimbursement option
✓ 1-day accident waiting period
✓ Wide deductible range up to $1500
✓ No upper age limit
✗ 6-month orthopedic waiting period
✗ No dental coverage
✗ No exam fee coverage
✗ Lower BBB rating than competitors
✗ Small multi-pet discount
Frequently asked questions
Which is better, ASPCA or Figo?
ASPCA has a higher overall rating. ASPCA scores 4.2/5 while Figo scores 4.1/5. The best choice depends on your dog's breed, age, and your coverage priorities.
How much does ASPCA cost vs Figo?
For a medium-sized young dog, ASPCA costs $35–$65/month while Figo costs $28–$60/month. Figo is generally more affordable.
Which has better coverage, ASPCA or Figo?
Both providers cover core accident and illness expenses. ASPCA processes claims in 10 days on average, while Figo takes 5 days. Review the coverage table above for detailed feature-by-feature differences.
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