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ASPCA Pet Health Insurance

62 Customer Comments & Reviews - see all comments
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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
What We’re Hearing From Our Readers
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Customer Comments

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K
kpazmann

10/22/2018
I was a customer, but dropped them after years of paying premiums and was denied a claim that they said was allergy related and pre existing condition from when she was a pup.
4 People found this helpful.
HelpfulNot Helpful

S
SH

11/4/2016
This is totally a rip-off -- put your premiums in a savings account. Insurance is supposed to collect premiums from many people, and then help pay large expenses for the few people that need them. ASPCA insurance does everything it can to pay virtually nothing. We have been paying for level-3 insurance (i.e. one of their better plans) for 9 years, costing thousands of dollars. This insurance has been useless for both the many "smaller" medical bills ( $200-$500) that we've had over the years, AND the large bill we just had. I was OK overlooking the "small" ones, assuming they would actually pay up when a big expense came. The do not. Between the deductibles, fee limits, and... Read More
4 People found this helpful.
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K
Kathleen

11/4/2016
Never would I recommend anyone to take this insurance. My vet charges the lowest prices in my area and they continuously came back saying that the allowed amount was always "just a tad" lower than what my vet charged. It's nonsense. My dog was diagnosed with lymphoma 1 week before out yearly policy was up. When we renewed they gladly took my money but then told me they could not pay out any more claims for my dog until she was well for 6months. Dogs who are diagnosed with lymphoma will never "be well" again. On top of the usual insurance company issues, their phone reps are rude and tight lipped.
4 People found this helpful.
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B
Blake C

9/21/2016
Most heartless and greedy pet insurance in existence. My dog had a stomach virus causing him to vomit and poop constantly to the point he was so dehydrated he could barely move. He had a fever of 103 and had to be put on special food and medication. They linked this to puppy poops from puppy food he had several months prior. These people will do everything in their power not to help you DO NOT pick them for insurance they will fuck you when you need them most.
4 People found this helpful.
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J
Jeanne K

9/20/2015
I have 3 Shelties and purchased a level 2 pet insurance through ASPCA when my girls were all 2 months old. They are now all close to 13+. I have rarely used my policy as they have been well. Until summer of 2014 when one of my girls got kidney disease. Also high blood pressure. This required vet visits, IV therapy, blood work and constant blood pressure monitoring. The initial visit required in hospital stay 2 days. I submitted this claim with her diagnosis. ASPCA processed the claim. I had many more vet visits and follow up. I ran into a problem when 2 issues arose. 1. If you don't submit your claim within a certain time they will not process and pay. 2. After the calendar year and your... Read More
4 People found this helpful.
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M
manne42553

7/4/2016
The fine print states when renewing, you are starting as if a brand new policy. If anything was wrong prior to anniversary date it is considered pre-existing. DO NOT PURCHASE THIS INSURANCE. There are so many much, much better. Even though I asked and read the policy when purchasing 8 years ago, it was not clear to me about pre-existing rules. Pay the same thing with other insurances and if your pet gets sick while under the policy they are always covered as long as you pay the premium.
4 People found this helpful.
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G
graciane b

4/11/2018
After paid for more than 5 years, they denied my first claim, and after took more 2 months for come the appeal answer.
3 People found this helpful.
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D
Dyanna P

12/8/2016
I have 3 cats and 2 dogs. I have been a member of ASPCA PET Insurance for 10 years. They are awesome. They pay really quick and always respond to my inquiries immediately. They have saved me sooo much in vet bills. I give them a 5 star rating. I recomend them to everyone I know that has pets and I will use ASPCA Pet Insurance forever. They are so reasonable and offer a variety of plans to choose from. Dyanna Pratt
3 People found this helpful.
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D
D

7/11/2016
Horrible customer service, when speaking about claims not referring to a pre-existing condition, it was always answered as either we never got it or it has to do with her pre-existing condition
3 People found this helpful.
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D
donna f

2/1/2016
I give this insurance a poor rating. This is what happened to me: I bought the fancy Level 4 plan with a $7000 annual maximum. About $900/year. Plan period runs January 1-January 1. On December 14, my dog presented with severe anemia. The vet did some tests, with no causation, and sent me to a specialist who did additional tests-no causation. Her anemia is worsening. Now, at the very end of the year, the specialist recommends a bone marrow aspiration, at the cost of about $1200. It is scheduled for the following week, first week of January. It turns out she has an autoimmune disease, and now is being treated successfully. My $1200 claim is DENIED. Why? "Any illness... Read More
3 People found this helpful.
HelpfulNot Helpful

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