ASPCA Review

ByJacob ParkerJan. 17, 2021
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In a Nutshell

ASPCA, which is frequently referred to as the American Society for the Prevention of Cruelty to Animals, was founded in 1866 and is one of the oldest humane societies operating today in the United States. With a flexible choice of vet networks and diverse coverage levels, it’s worth considering ASPCA when purchasing your next pet insurance package.

pros

  • Discounts for multiple pets
  • Preventative care options
  • Up to 90% of costs covered

cons

  • Pregnancy-related costs excluded
  • Not a direct underwriter

ASPCA ASPCA Visit Site

ASPCA at a Glance

Pets covered Cats, dogs, and horses
Waiting period 14 days
Deductible $100 or $500
Reimbursement model 70% to 90%
Suitable for A range of different coverage levels

What’s Covered? 

Depending on the specific plan you go for, ASPCA’s pet insurance will cover the cost of a variety of treatments for your furry friends. If you go for the highest level of coverage offered by this provider, costs relating to accidents, illnesses, and behavioral problems will be covered.

ASPCA even pays out for alternative therapies and congenital condition-related costs. What’s more, if you select the right add-on to your plan, the company will also cover preventative care services.

Insurance Plans & Pricing

ASPCA’s pricing system is relatively straightforward. There are two basic plans to choose from as well as a handful of preventative care add-on packages. Whichever one you opt for, it’ll cost less if you pay upfront for a year because ASPCA adds on a $2 transaction fee to monthly bills.

Accident-Only

The cheapest ASPCA plan is the Accident-Only Coverage package. Depending on your pet’s characteristics, like breed and age, and the deductible, coverage limit, and reimbursement levels you select, this plan could cost as little as $14 per month.

Complete Coverage

Customers looking for additional peace of mind might want to select ASPCA’s Complete Coverage package. Besides accidents, the Complete Coverage plan will pay out for costs incurred due to illness, behavioral issues, and more.

If needed to treat a covered condition, the Complete Coverage package can even be used to pay for prescription foods and supplements. ASPCA quoted us $26.97 per month to cover our three-year-old medium-sized mutt, with a low coverage limit and a $500 deductible, under the Complete Coverage plan.

Preventative Care

For $9.95 per month, you can add ASPCA’s Basic Preventative Care package to your Accident-Only or Complete Coverage plan. Doing so will get you a total of $250 worth of annual benefits to go towards things such as a rabies vaccine, deworming, and wellness exams.

Also available is a $24.95 per month Prime Preventative Care plan which bumps your benefits up to $450 annually and adds coverage for flea prevention treatments and blood tests.

What's Not Covered

Even with ASPCA’s Complete Coverage subscription, some costs won’t be covered. Pre-existing conditions, cosmetic procedures, and breeding costs are all excluded from this provider’s plans.

Waiting Periods

Once you start an ASPCA subscription, you’ll have to wait at least 14 days before the policy kicks in and your costs begin to be covered by the service. Claims and reimbursements are processed by ASPCA in 30 days or less.

Coverage Limits

When configuring your plan, you’ll need to choose a coverage limit between $3,000 and $10,000. This is an annual cap that gets reset on the anniversary of your subscription.

Reimbursement and Deductibles

ASPCA reimburses 70% to 90% of costs for covered treatments and deductibles of $100, $250, and $500 are on offer. For example, if you were to opt for a $250 deductible with an 80% reimbursement rate, and then incurred $1,000 of treatment costs in the first year of your plan, you’d end up being paid back $600.

Claims and Service

All you have to do to submit a claim with ASPCA is log in through the company’s mobile app, write a summary detailing your expenses, and attach a picture of your invoice.

The ASPCA customer service team is available during standard ET business hours. You can get in touch over the phone or via email.

What You Might Like

Even though ASPCA’s insurance is technically underwritten by the United States Fire Insurance Company, by taking out coverage with this provider, you’ll be contributing to a reputable humane charity.

What ASPCA Could do Better

Although many previous customers report having positive experiences with ASPCA’s pet insurance service, others complain of justified claims being rejected and long waits for reimbursements.

Contact Details and Address

You can get in touch with ASPCA’s customer service team by calling 1-(866)-204-6764 or emailing cservice@aspcapetinsurance.com.

Crum & Forster, who administer ASPCA’s insurance, are headquartered at:

6404 International Pkwy # 1000,

Plano, TX 75093

How ASPCA Compares


ASPCA Pumpkin
Waiting period 14 days 14 days
Reimbursement rate 70% to 90% 90%
Annual deductible $100 to $500 $100 to $500
Coverage limit $3,000 to $10,000 $7,000 to $20,000

Bottom Line

ASPCA can help you to feel confident that you’ll be able to afford unforeseen costs related to your pet’s health while supporting an important nationwide humane society.

Methodology

To evaluate ASPCA’s services, we explored the company’s website, requested quotes, and researched the experiences of previous customers via review aggregation services.

ASPCA ASPCA Visit Site

Disclosure

Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Preventive and Wellness Care reimbursements are based on a schedule. Complete Coverage℠ reimbursements are based on the invoice. Levels 1-4 reimbursements are based on usual and customary eligible costs. Products, schedules, and rates may vary and are subject to change. Discounts may vary and are subject to change. More information available at checkout.

The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by the United States Fire Insurance Company, produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227), a Crum & Forster company. Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2018.

ASPCA customer testimonials

ExcellentReviews 2,194
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Excellent
83%
Great
9%
Average
3%
Poor
2%
Bad
3%
  • author
    Noor Khalaf
    4 days ago
    Easy to use

    Easy to use as a first-time pet owner. Relatively cheap for a college student.

    ...

  • author
    Michele Mitchell
    20 hours ago
    It would be nice to be able to make a…

    It would be nice to be able to make a claim even though the insurance hasn’t kicked in yet.

    ...

  • author
    Rhonda Pimentel
    12 hours ago
    I have had this insurance for years…

    I have had this insurance for years with very few problems. As a widow on a pension, my funds are limited but I will do whatever it takes to take care of my dogs and they are getting old. I am still waiting for reimbursement for one of my dogs that passed away in December but had to have lab work done. My animals are my life and I need to get reimbursed. Also, I am still waiting for reimbursement from late November and numerous dates in December.

    ...

  • author
    Missy
    3 days ago
    Tooooo pricey.

    Tooooo pricey.

    ...

  • author
    Rochelle Fox Larenarde
    Jan 18, 2021
    I submitted a claim over a month ago…

    I submitted a claim over a month ago and it still says "processing". I called them and someone was supposed to call me back by the end of the day, but no one did. This was a few days ago. I'm not sure if this company can give me the coverage I need.

    ...