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ASPCA Pet Health Insurance

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The ASPCA is a non-profit organization in the US with the mission to prevent cruelty to animals.

In 2006, as part of a strategic partnership with the ASPCA®, C&F Insurance Agency, Inc. launched ASPCA® Pet Health Insurance.

The agency is based in Akron, Ohio, and was founded in 1997, making it the second oldest pet insurance provider in the United States.

Products are underwritten by the United States Fire Insurance Company, which has an A.M. Best Insurance rating of A (Excellent).

ASPCA Pet Health Insurance program features customizable plans that reimburse 70%-90% of covered vet bills, and the option of an unlimited annual coverage limit.
 
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How is ASPCA rated?

Breakdown

4.0/5
Coverage
2.5/5
Cost
3.5/5
Extras

Overall Rating: 3.8 / 5 (Very good)

ASPCA Pet Health Insurance has multiple plans that offer either accident and illness coverage or accident only coverage.

The organization's flagship plan, Complete Coverage®, features annual benefit caps of $5,000 up to unlimited, as well as no per condition caps or special caps for eligible congenital and hereditary conditions.

ASPCA Pet Health Insurance program also has Accident-Only coverage and Preventative Care Coverage options for an additional cost.

The online quote process is user-friendly and easy, but customers should understand that their premium will ultimately be affected by factors such as their pet's breed and age, as well as their physical location.

ASPCA Coverage

Coverage - 4 / 5

ASPCA Pet Health Insurance Plans can cover accidents, dental disease, behavioral issues, illnesses, and hereditary conditions (not pre-existing).

Each coverage includes diagnostics, treatment, and exam fees related to covered conditions.

Plans also cover non-traditional treatments like acupuncture and stem cell therapy.

In addition to its Complete Coverage plan, ASPCA Pet Health Insurance has an Accident-Only plan as well as preventive care add-ons at an additional cost.

Like all pet insurance, ASPCA Pet Health Insurance plans do not cover pre-existing conditions that occur or show symptoms before the policy effective date or during any applicable waiting period.

However, if the pet is free from symptoms, treatment, and cured for 180 days, the condition will no longer count as pre-existing, with the exception of knee and ligament conditions. If a knee and ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.

For all exclusions, terms, and conditions visit the organization's website, to view sample plans.
Pets Covered
Dogs
Cats
Coverage Types
Medical
Wellness
Vet Selection
Unrestricted
Out-of-State Coverage
Yes

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Dental Illness

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Behavioral Therapy

Benefit Limits

Benefit Limits - 4 / 5

ASPCA Pet Health Insurance's Complete Coverage℠ plan not only has no per incident limits, but allows customers to set an annual cap from $5,000 up to unlimited.

This plan also does not have a separate limit for eligible congenital and hereditary conditions.

They are subject to the same annual limit as chosen in the plan.
Benefit Limit Types
Annual
Unlimited

Reimbursement & Deductibles

Reimbursement - 4 / 5

ASPCA Pet Health Insurance program offers the standard reimbursement percentages of 70%, 80%, and 90%.

This pays out on the actual cost of your covered vet bill and is standard among the best providers.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
70%
Maximum Percent Reimbursement
90%

Deductibles - 5 / 5

ASPCA Pet Health Insurance program allows customers to set their deductible level at $100, $250, or $500.

This is a pretty much standard feature now among the best pet insurance plans.
Deductible Type
Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$500

Pricing: How much does ASPCA cost?

Cost - 2.5 / 5

ASPCA Pet Health Insurance plans are about average price when compared to other similar providers.

For example, the starting monthly premium for a 1 year old male Golden Retriever in Orange County, CA is of $50.03, and the starting monthly premium for a 1 year old male American Shorthair in Orange County, CA is of $21.67.

With coverage, deductible, and reimbursement options more or less in line with the biggest industry players, this could be a deciding factor particularly for animal lovers.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$50.03
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$21.67
Rate Details: Annual Deductible: $250, Benefits Cap: $5,000, Reimbursement Model: 90% of Actual Cost
Available Discounts: 10% Multiple Pet Discount for every pet enrolled, after your most expensive pet

Enrollment & Waiting Periods

Enrollment - 4 / 5

ASPCA Pet Health Insurance has a minimum enrollment age of 8 weeks and no maximum enrollment age.

There is no waiting period for preventive care coverage and a 14-day waiting period for accidents and illnesses.

Additionally, there is a 14-day waiting period for treatment or surgery related to ligament and knee conditions, as well as treatment for hereditary and congenital conditions.
Min Enrollment Age
8 weeks
Accident Waiting Period
14 days
Illnesses Waiting Period
14 days
Free Look Period
30 days

Claims & Service

Extras - 3.5 / 5

ASPCA Pet Health Insurance allows you to download their claim form on their website.

You can also submit a claim online, via My Pet Insurance mobile app, or by email, mail, and fax with the completed form and relevant invoice from the organization.

They offer direct deposit, which speeds up the process.

You are also able to track the status of a claim online.
Advertised Response Time
16 days
Claim Form
Mail
Email
Fax
Online Portal
Mobile App

Contact & Additional Information

Homepage URL
https://www.aspcapetinsurance.com/
Headquarters Address
1208 Massillon Rd Suite, Akron, OH, 44306
Year Founded
1997
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Customer Comments

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drichson.rad

8/19/2020
They won't cover claims if you don't submit them right away. I've lost over $1000 because of a hidden clause in the policy. If my pet didn't have pre-existing conditions I would switch companies. I won't buy form them again with any new pets.
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Rebecca J

4/14/2020
My experience with ASPCA Pet Health Insurance has been excellent. I enrolled my new puppy in April 2019, and she had surgery for a shoulder injury in November 2019. I submitted a detailed claim which ASPC paid promptly and fully, after my deductible was met. ASPCA requested further information from my veterinarian and the surgeon, but never questioned me directly or disputed any of my charges. I received a check within a reasonable time. I believe the rates and coverage are fair and reasonable and I will certainly continue my coverage when it is time to renew.
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