ASPCA Pet Health Insurance
Overall Rating:
Total Reviews:
7,503
Accident & Illness Coverage:
Included
Wellness Coverage:
Optional
Average Price Range:
$37-64/month

ASPCA Pet Health Insurance

ASPCA Pet Health Insurance Program has Complete CoverageSM, Accident-Only Coverage and Preventative Care Coverage for dogs and cats.

ASPCA Pet Health Insurance is one of the most respected pet insurance brands in the U.S. The program is underwritten by United States Insurance Company, rated A by A.M. Best (2018).

ASPCA Reviews

Overall Rating

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Coverage

ASPCA Pet Health Insurance Program has accident & illness coverage as well as accident-only and preventative care options.

Coverage Notes

ASPCA Pet Health Insurance has coverage for dogs and cats in all 50 states and the District of Columbia. Pet Owners can customize their plan by choosing a deductible and co-insurance that meets their needs. Additionally, they offer preventative coverage for routine and annual care expenses for an additional cost.

Coverage Highlights

ASPCA Pet Health Insurance has coverage for dogs and cats in all 50 states. Pet Owners can customize their plan by choosing a deductible and co-insurance that meets their needs. Additionally, they provide preventative coverage for routine and annual care expenses for an additional cost.

 

Preventative Care Coverage

The ASPCA Pet Health Insurance program provides two levels of preventative coverage.

 

Prime ($24.95/mo.)

TreatmentPrime
Dental Cleaning (If Prime – OR Spay/Neuter)$150
Wellness Exam$50
DHLPP Vaccine/Titer or Feline FVRCP Vaccine/Titer$25
Rabies and/or Canine Lyme or Feline FIP Vaccine/Titer$25
Fecal Test$25
Heartworm or Feline FELV Test$25
Deworming$25
Flea / Heartworm Prevention$25
Blood Test$25
Urinalysis$25
Bordatella or FELV Vaccine/Titer$25
Health Certificate$25
Total Annual Benefit$450

 

Basic ($9.95/mo.)

TreatmentBasic
Dental Cleaning$100
Wellness Exam$50
DHLPP Vaccine/Titer or Feline FVRCP Vaccine/Titer$20
Rabies and/or Canine Lyme or Feline FIP Vaccine/Titer$20
Fecal Test$20
Heartworm or Feline FELV Test$20
Deworming$20
Flea / Heartworm Prevention
Blood Test
Urinalysis
Bordatella or FELV Vaccine/Titer
Health Certificate
Total Annual Benefit$250

 

Coverage Details

 

Complete CoverageSM

Complete Coverage provides coverage for any unexpected health issues your dog or cat may encounter. From emergency care to surgery to long-term medications for chronic conditions, Complete Coverage is a great way to protect your pet and your wallet from expensive accidents and illnesses.

 

Accident-Only Coverage

The accident only plan covers accidents only and excludes illnesses. That is why we do not recommend this level of coverage. The details in this chart are reflective of Complete CoverageSM which is the recommended and most popular option.

 

Deductible:
$100 - $500
Reimbursement Options:
70% - 90%
Annual Limit:
$5,000 - Unlimited
Waiting Period - Accidents:
14 days
Waiting Period - Illnesses:
14 days
Waiting Period - Orthopedic :
14 days
Policy Exclusions:
Listed Below

Enrollment Requirements

There are no enrollment requirements. However, when you submit a claim, you authorize us and our administrator to access all medical information that we need to assess your pet’s health. For example, we may ask you for the name and contact information of any veterinarian that has ever seen or treated your pet. You must also provide proof of identity for your pet when we request.

Cost

ASPCA Pet Health Insurance is competitive with regard to pricing but slightly more expensive than some other providers in the market. From a value standpoint (price vs. quality) it's near the top of the heap.There is a $2/mo. transaction fee if you opt for monthly, quarterly or semi-annual payments. There is no transaction fee if you select annual payment.

Avg. premium costs based on Accident & Illness coverage with $10k annual limit, $250 deductible and 90% reimbursement. Prices vary based on coverage, breed, pet age and zip code.

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Sample Premiums

Dogs

Average for dogs:
$64/month

Cats

Average for cats:
$37/month

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About ASPCA Pet Health Insurance

Founded in 1997, Crum & Forster Pet Insurance Group is one of the original pet insurance providers in the U.S. In 2006, as part of a strategic partnership with the American Society for the Prevention of Cruelty to Animals® (ASPCA®), Crum & Forster introduced ASPCA Pet Health Insurance. In the past 20 years Crum & Forster Pet Insurance Group has insured more than 400k dogs and cats and processed over 1.6 million claims.

Company:
Policy Options:
Service:

Company Profile

ASPCA Pet Health Insurance is administered by C&F Insurance Agency, Inc., which is based in Akron, Ohio. The agency 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).

www.aspcapetinsurance.com

Year Founded:
1999
Headquarters:
Akron, Ohio
Underwriter:
A (Excellent)
Leadership:
Liz Watson, Dennis Rushovich
Vet Policy:
Any licensed vet in U.S.
Service Hours:
Monday to Friday, 8:00am – 9:00pm EST Saturday, 9:00am – 5:00pm EST Sunday, 11:00am – 3:00pm EST

Policy Exclusions

We will not pay for costs associated with or resulting from the following:

a. Aesthetic, cosmetic, endodontic, or orthodontic dental services such as caps, crowns or crown amputation, fillings, implants and root canals or planing.

b. Anal sac (gland) expression and/or resection when no infection or disease is present.

c. Boarding.

d. Breeding, pregnancy, whelping or nursing.

e. Conditions that occur during a waiting period.

f. Cosmetic and elective prostheses or procedures (including but not limited to claw removal, ear cropping and tail docking).

g. Dental cleanings unless used to treat a covered illness or covered by an applicable endorsement.

h. Experimental or investigational treatment or medication (including clinical trials) that is not generally accepted in the veterinary medical community as effective or proven.

i. Funeral services, memorial items, urns, caskets, or burial plots/fees.

j. Grooming or grooming supplies (including but not limited to non-prescription baths, ear cleanings, non-prescription shampoos and nail trims).

k. Herbs.

l. House call fees, time and travel expenses to and from the veterinarian’s premises or hospital.

m. Illness or injury that results from intentional, malicious, or grossly negligent activities or from failure to perform actions commonly accepted as responsible pet care by you, a member of your household or a caregiver for your pet.

n. Ligament and knee conditions, if any ligament and knee condition occurred prior to the first effective date of the applicable coverage or during a waiting period.

o. Non-medical supplies such as but not limited to toys, leashes, ramps, bedding or other devices intended to prevent injury or illness, but that do not treat a condition.

p. Non-veterinary services (including but not limited to administrative fees, medical records expenses, medical waste, discount package or membership fees, postage and tax).

q. Organ or heart valve transplants.

r. Pre-existing conditions that occurred on or before the first effective date of the applicable coverage or during a waiting period.

s. Prescription food, pet food, commercial diets or treats used for prevention or general health maintenance (including weight loss) even if prescribed, dispensed, or recommended by a veterinarian; including foods such as life stages (puppy, senior, etc.), low calorie, sensitive stomach, or limited ingredients.

t. Preventive care without an occurrence (including but not limited to general health maintenance diagnostics, laboratory procedures, medications, physical examinations and surgery) unless covered by an applicable endorsement.

u. Supplements and vitamins used for prevention or general health maintenance (including weight loss) even if prescribed or dispensed by a veterinarian.

v. Training or training devices.

w. Treatment when the veterinarian conducting or supervising is you or a co-owner on your account.

x. Treatment arising from avian influenza; intentional slaughter by, or under, the order of any government or public or local authority; epidemics or pandemics as declared by the U.S. Department of Agriculture; nuclear reaction, radiation, radioactive contamination or the discharge of a nuclear device, whether controlled or uncontrolled, accidentally or otherwise; chemical, biological, bio-chemical or electromagnetic weapon, device, agent or material whether controlled or uncontrolled, accidentally or otherwise; war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped, strikes, riots, or civil commotion and terrorism.

y. Veterinary expenses related to coursing, organized fighting, law enforcement or guarding, personal protection or racing.

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