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COMPANY PROFILE
- Company: ASPCA Pet Insurance (provided by Petsmarketing Insurance.com Agency, Inc., a subsidiary of the Hartville Group, Inc.)
- Market Share: 9.6%*
- Insurance Underwriter: United States Fire Insurance Company
- Underwriter A.M. Best Insurance Rating: A (Excellent)
- Headquarters: Canton, Ohio
- Year Founded: 1997
- Leadership: Dennis Rushovich
THIRD PARTY REVIEWS
- BBB Rating: A+
- BBB Accredited? Yes
- BBB Complaints Last 12 Months: 13
- BBB Complaints Last 3 Years: 57
- Avg Pet Insurance Review Score: 7.8**
- Total Pet Insurance Reviews: 750**
- Facebook Page: 147 like this
- Twitter Page: n/a
- AAHA Accepted? No
- NAPHIA Member? Yes
POLICY & SERVICE HIGHLIGHTS
- Dog Insurance & Cat Insurance Available? Yes
- Customizable Deductible & Co-Payment? Yes
- Per Incident Deductible? No
- Annual Deductible? Yes
- Hereditary & Congenital Coverage Available? Yes
- Wellness & Routine Care Coverage Available? Yes
- Alternative Therapies Coverage Available? Yes
- Pre-Existing Conditions Coverage? No
- Benefit Schedule for Accidents & Illness Coverage? No
- Per Incident Limit? $2,500 to $7,000
- Annual Benefit Limit? None
- Lifetime Benefit Limit? None on the base plan
- Minimum Age for Coverage: 8 weeks
- Maximum Age for Coverage: For illness coverage 12 years-old for dogs, 14 years-old for cats; No upper age limit for accident only coverage
- Cruciate Ligament & Orthopedic Policy: 12-month waiting period for ligament and knee conditions
- Policy Exclusions: View the first list of exclusions in sample plans at www.aspcainsurance.com
- Waiting Period: No wait for accidents or wellness coverage, 30 days for illnesses
- Claims Reimbursement: 30 days
- Multiple Pet Discount: 10% for additional pets on Levels 2-4
- Vet Policy: Use any licensed veterinarian in the U.S.
- Phone: 1-866-861-9092
- Hours of Operation: Mon - Fri: 8:00 am - 9:00 pm EST, Sat: 9:00 am - 5:00 pm EST
- Trial Offer: 30-day moeny back guarantee
- Click Here To Get ASPCA Pet Insurance Quotes
ADDITIONAL PET INSURANCE POLICY & COVERAGE DETAILS
- ASPCA offers pet health insurance coverage for both dogs and cats
- Initial enrollment for Levels 2, 3, and 4 is limited to dogs 12 years and under and cats 14 years and under. There is no upper age limit for enrollment in Level 1 accident coverage.
- Premiums vary based on the pet's breed and age as well as the customer's zip code.
- ASPCA Pet Health Insurance has four increasing levels of pet insurance coverage:
- Level 1
- Accidents
- Hospitalizations – related to accidents
- X-rays - related to accidents
- Surgery - related to accidents
- Ongoing conditions
- Annual deductible $100
- Maximum per incident $2,500
- 90% reimbursement of usual and customary covered costs
- Level 2
- Accidents
- Hospitalizations
- X-rays
- Surgery
- Illnesses
- Ongoing conditions
- Annual deductible $100
- Maximum per incident $3,000
- 90% reimbursement of usual and customary covered costs
- Level 3
- Accidents
- Hospitalizations
- X-rays
- Surgery
- Illnesses
- Hereditary & Congenital Conditions
- Alternative Therapies
- Behavioral Conditions
- Choice of Two Wellness Options for Extra Cost
- Annual deductible $100
- Maximum per incident $5,000
- 90% reimbursement of usual and customary covered costs
- Level 4
- Accidents
- Hospitalizations
- X-rays
- Surgery
- Illnesses
- Hereditary & Congenital Conditions
- Alternative Therapies
- Behavioral Conditions
- Choice of Two Wellness Options for Extra Cost
- Ongoing conditions
- Annual deductible $100
- Maximum per incident $7,000
- 90% reimbursement of usual and customary covered costs
- Policy Exclusions:
- Please note, this is not a complete description of all exclusions. View sample plans at www.aspcapetinsurance.com
- Pre-existing Conditions - Illnesses or injuries that show symptoms, which may or may not have been diagnosed or treated, prior to a plan's effective date, coverage excludes these conditions
- Costs associated with the treatment of ligament or knee conditions are not covered during the inital plan period following enrollment (12 months)
- Hereditary, Genetic, or Congenital Disorders - These are diseases or disorders inherited by your pet, or that your pet is predisposed to getting. New instances of these conditions are covered 180 days after initial enrollment in a Level 3 or 4 plan.
- Ongoing Conditions - Continuing Care covers ongoing conditions, or conditions that need care across multiple plan periods. If your pet is not eligible for Continuing Care, ongoing conditions are not covered unless 180 days have passed since cure and last treatment.
- Inhumane Treatments - Elective procedures the ASPCA opposes like tail docking, ear cropping, and dewclaw removal are not covered.
www.petinsurance.com*
As of 1/5/2012 www.petinsurancereview.com**
DISCLAIMER - This information is provided for general information and educational purposes only and is subject to change without notice. You should contact each Insurance provider for the latest information, availability of products and services and confirm all terms and conditions that apply before making a purchase decision. Except as expressly stated by PetInsuranceQuotes.com, no affiliation, endorsement or sponsorship of third party products and services is intended or implied.
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