Figo Pet Insurance stands out with its faster accident coverage waiting period and higher customer satisfaction ratings. ASPCA Pet Health Insurance offers the convenience of direct vet payments and comprehensive coverage options, making it a strong contender as well. The best choice depends on individual priorities, such as the importance of immediate accident coverage versus the convenience of direct vet payments.
| Attribute | Figo Pet Insurance | ASPCA Pet Health Insurance |
|---|---|---|
| Maximum Annual Payout Limit | $5,000, $10,000, or Unlimited | $2,500 to $10,000. Unlimited may be an option in some states. |
| Annual Deductible Options | $100, $250, $500, and $750. $1,000 and $1,500 are also available for pets aged 8+ and 10+ | $100, $250, $500, or $1,000 |
| Reimbursement Percentage Options | 70%, 80%, 90%, or 100%. The 100% reimbursement is available with deductibles over $500 and annual coverage of up to $10,000. | 70%, 80%, 90%, or 100% |
| Coverage for Hereditary and Congenital Conditions | Covers these conditions as long as they are not pre-existing and have not occurred during the waiting period. | Covered under the Complete Coverage plan, provided the condition is not pre-existing and the waiting period has been met. |
| Waiting Period for Accident Coverage | 1 day (3 days in AK, CO, FL, ID, MO, NJ, NY, UT, and WA) | 14 days |
| Waiting Period for Illness Coverage | 14 days | 14 days |
| Coverage for Exam Fees | Available as an add-on | Covered as part of the policy when related to a covered condition. |
| Coverage for Alternative Therapies | Alternative and holistic therapies are covered when performed by a licensed veterinarian. Experimental procedures are not covered. | Covered under the Complete Coverage plan when used to treat a covered condition. |
| Coverage for Behavioral Therapies | Covered with the 'wellness' add-on package, and the amount of coverage can be increased with the 'veterinary exam fee' add-on package. | Covered under the Complete Coverage plan. |
| Direct Pay Option with Veterinarians | No | Yes, in most states |
| 24/7 Vet Telehealth Access | Yes, via the Pet Cloud app | Yes, via The Vet Connection |
| Customer Service Availability and Responsiveness | Available via phone, email, text, and social media. Monday-Friday 7 a.m. to 7 p.m., Saturday 8 a.m. to 6 p.m., Sunday 11 a.m. to 3 p.m. (all times Central). | Customer service is available Monday to Friday, 8 am to 8 pm Eastern time. Some reviews indicate positive experiences, while others mention long claim processing times. |
| Claims process satisfaction | 81% | Not available |
| Pricing and customer service satisfaction | 85% | Not available |
| Recommendation likelihood | 90% | Not available |