ASPCA Pet Health Insurance summary
- Discounts for multiple pets
- Preventative care options
- Up to 90% of costs covered
- Pregnancy-related costs excluded
- Not a direct underwriter
Great site with learning resources
Customizable rates and services
Customizable plans and rates, 50-90% reimbursement No upper age limit
Claims payout waiting period
Over 2 weeks
Evening and weekend customer service available
Multi-pet and multi-policy bundles available
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.
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.
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.
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.
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.
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 firstname.lastname@example.org.
Crum & Forster, who administer ASPCA’s insurance, are headquartered at:
6404 International Pkwy # 1000,
Plano, TX 75093
How ASPCA Pet Health Insurance Compares
|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 or $15,000 for cats,|
$10,000 or $20,000 for dogs
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.
To evaluate ASPCA’s services, we explored the company’s website, requested quotes, and researched the experiences of previous customers via review aggregation services.
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.