ASPCA
Overall Rating:
Total Reviews:
Major Medical Coverage:
Included
Wellness Coverage:
Excluded
Average Price Range:
$25-54/mo.

ASPCA Pet Insurance

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

ASPCA Pet Health Insurance is one of the oldest and most respected pet insurance brands in the U.S. They’re also one of the highest rated from A.M. Best and customers.

x Note: Optional Wellness Coverage can be added for an additional monthly charge.

ASPCA Reviews

Overall Rating

ASPCA Pet Health Insurance has one of the highest customer ratings in the industry at 4.5 | 5.0 with 5,806 total reviews.

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Coverage

ASPCA offers Accident & Illness coverage as well as Accident-Only and Preventative Care options.

Accident & Illness:
Wellness Care:

Coverage Notes

ASPCA Pet Health Insurance offers 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 offer preventative coverage for routine and annual care expenses for an additional cost.

Coverage Highlights

ASPCA Pet Health Insurance offers 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 offer preventative coverage for routine and annual care expenses for an additional cost.

 

Preventative Care Coverage

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

 

Prime ($19.95/mo.)

Treatment Prime
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.)

Treatment Basic
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

ASPCA’s Complete Coverage covers 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 ASPCA’s 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. ASPCA does charge a $2/mo. transaction fee if you opt for monthly payments. There is no transaction fee if you select quarterly, semi-annual or annual payment.
Price:

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

Top 10 Dog Breeds

Mixed Breed Dog:
$46/mo.
Labrador Retreiver:
$58/mo.

Top 10 Cat Breeds

Mixed Breed Cat:
$27/mo.
Maine Coon:
$30/mo.

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Customer Reviews

About ASPCA

ASPCA Pet Health Insurance was founded in 1999 by Dennis Rushovich, one of the early leaders in the North American pet insurance market.

Company:
Policy Options:
Service:

Company Profile

ASPCA Pet 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).

ASPCA Pet Insurance is a Crum & Forster company, which is a wholly-owned subsidiary of Fairfax Financial.

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
Website:
www.aspcapetinsurance.com

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.

PET-P-20000-0918 [ACCIDENT POLICY/ ACCIDENT & ILLNESS POLICY] Page 6 of 8

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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