The ASPCA Pet Health Insurance Program Information & Review: Everything You Need To Know
The American Society for the Prevention of Cruelty to Animals® (ASPCA®) was the first humane society established in North America. Today, they're a leading voice for animal welfare in the US with more than 1 million supporters across the country.
ASPCA Pet Health Insurance plans are produced and administered by C&F Insurance Agency, Inc. as part of a strategic partnership with the ASPCA. The ASPCA is not an insurer and is not engaged in the business of insurance. Through a licensing agreement, the ASPCA receives a royalty fee in exchange for the use of their marks, and is not a charitable contribution.
What kinds of pets are eligible for ASPCA Pet Health Insurance?
The ASPCA Pet Health Insurance program covers accidents, illnesses, and other health issues in dogs, cats, and horses. Unfortunately, no other types of pets are covered through their plans at this time. However, there are plans available through other pet insurance companies that cover pets like rabbits, amphibians, and reptiles.
What insurance plans are available through ASPCA Pet Health Insurance?
The ASPCA Pet Health Insurance program offers pet owners its Complete Coverage℠ plan for dogs and cats. You can also include preventive care coverage as an add-on feature for a little more each month. Preventive care coverage reimburses a set amount of money each month for services that help protect your pet from getting sick, including vaccines and screenings.
How Much Does It Cost?
Pet insurance prices for the ASPCA Pet Health Insurance program vary based on your pet's breed, age, gender, and the zip code you live in. Use Pawlicy Advisor to lock in the best price, and compare the ASPCA Pet Health Insurance program to other leading pet insurance brands for free.
The ASPCA Pet Health Insurance program lets customers customize their pet’s health insurance plan based on the percentage they are reimbursed for costs, their annual deductible, and their annual limit. All these factors will impact how much you pay monthly as well.
For example, a plan with an unlimited annual limit will provide substantial reimbursement for your pet’s healthcare costs, but you can also expect to pay more per month. Likewise, a lower reimbursement percentage will save you on monthly costs, but you’ll end up paying more out of pocket for care.
*You can find an ASPCA Pet Health Insurance policy that fits your budget and unique coverage needs by using Pawlicy Advisor’s pet insurance analyzer.
What makes ASPCA pet insurance worth it?
The ASPCA Pet Health Insurance program includes some benefits that other insurers lack, which might make it worth it for you. All cats and dogs older than 8 weeks are eligible for the ASPCA Pet Health Insurance program regardless of their health, although it doesn’t cover pre-existing conditions. The program covers alternative therapies, behavioral issues, and prescription food and supplements, which are only add-on features on some other plans.2
There is a minimum age limit of 8 weeks old. Further, the age of your pet may impact the cost of your plan.
How does the price compare to other plans?
The ASPCA Pet Health Insurance plan tends to be slightly more expensive than other plans, but not by much. The ASPCA Pet Health Insurance program builds custom plans to help fit anyone's budget. You can use Pawlicy Advisor to find and compare a range of affordable coverage options from the ASPCA Pet Health Insurance program.
Important Information to Know About ASPCA Pet Health Insurance
How good are ASPCA Pet Health Insurance reviews?
As of 2020, the ASPCA Pet Health Insurance program reviews have an average rating of 4.5 out of 5 on Trustpilot (from 1948 reviews).
*Keep in mind that pet insurance reviews only offer a shade of context. Simple review aggregators do not illuminate the real data points and fine print as it relates to your unique pet, location, and financial standing. To get a data-driven, personalized recommendation you can use Pawlicy Advisor’s free policy scanner.
What to know before purchasing a ASPCA Pet Health Insurance plan
When should you consider insurance for your pet?
The sooner the better, as earlier consideration will also help prevent future exclusions due to pre-existing conditions. In other words, you should consider pet insurance before injuries, diseases, or illnesses arise to ensure that any future veterinary bills will be covered by your chosen plan.
Ideally, you should consider pet insurance within the first six months of adopting your pet - regardless of whether you adopt from a shelter, rescue, or breeder.
The ASPCA Pet Health Insurance program has several phone numbers to call for customer service. They accept email and fax inquiries, and they have separate channels for veterinary staff, media professionals, and sales inquiries.
They also include easy account management through its Member Center, where policyholders can submit and track claims, find nearby vets, sign up for direct deposit, and review benefits.
In addition to their discount for insuring multiple pets, the ASPCA Pet Health Insurance program offers an employee benefit program for veterinary practices in available states. Veterinary staff can save 10% on their base plan premium for every pet they insure. This discount stacks with the multiple pet discount.
The ASPCA Pet Health Insurance program covers accidents, illnesses, hereditary and congenital conditions, alternative therapies, chronic conditions, prescription medications, prescription food and supplements2, and even microchip implantation.
The ASPCA Pet Health Insurance program also has pet exam fees built into its coverage. There are no vaccine requirements for coverage of certain conditions associated with this plan.
Like other pet health insurance plans, ASPCA Pet Health Insurance plans do not cover pre-existing conditions. They provide insurance for dogs, cats, and horses, so you'll need to look elsewhere to insure another type of pet.
List of treatment and conditions covered by ASPCA Pet Health Insurance plans
*Veterinarians use Pawlicy Advisor to streamline the pet insurance conversation. There’s simply too many variables for any one person to truly understand what’s covered and what’s cost-effective across the hundreds of policy variations that exist.
Routine Care Addons
The ASPCA Pet Health Insurance program provides several basic and prime preventive care add-ons for an additional monthly cost.
Basic Preventive Care
Rabies or Lyme Vaccine/Titer
Prime Preventive Care
Dental Cleaning or Spay/Neuter
Rabies or Lyme Vaccine/Titer
What's Not Covered
The ASPCA Pet Health Insurance program doesn’t cover cosmetic procedures or breeding costs, including animal pregnancy costs. Cosmetic procedures include tail docking, ear cropping, claw removal, and others.
As mentioned above in "What's Covered", the ASPCA Pet Health Insurance program does not cover pre-existing conditions (any medical condition that exists before benefits go into effect). Also, they do not cover preventive care unless you include it as an add-on service for an additional monthly cost.
For full list of terms and exclusions visit aspcapetinsurance.com/terms.
You can submit a claim with the ASPCA Pet Health Insurance program online through the Member Center or through the ASPCA Pet Health Insurance app for iPhone and Android. When signing up for your ASPCA Pet Health Insurance program, you have the choice of having 90%, 80%, or 70% of covered vet costs reimbursed.
To submit your claim, the following information is needed:
Your name, address, contact information, and signature on the claim form. A description of the condition and treatment you are claiming. All applicable receipts including an itemized breakdown of the fees incurred.
The ASPCA Pet Health Insurance program has a 30-Day money back guarantee if no claims are filed.1 Below is their official cancellation policy:
The ASPCA Pet Health Insurance program has next-day cancellation with pro-rated refund depending on if you have received a claim. Cancellation may be dependent on you providing 60-day notice to the insurance company.
The ASPCA Pet Health Insurance program renews policies and has continuous coverage over the lifetime of a pet so long as the pet owner does not break the rules of ASPCA's contract.
Pre-existing conditions are not covered by ASPCA Pet Health Insurance. However, they don’t exclude you from being eligible for pet insurance. Pets with pre-existing conditions should still be covered in case other injuries or illnesses arise.
The specific language used to describe what is considered a pre-existing condition is specified per-policy. Below is the ASPCA Pet Health Insurance program's latest definition of a "pre-existing condition":
Illness, disease, injury, or change to your pet's health that first occurs or shows symptoms before coverage is effective or during a waiting period. This includes conditions that are related to, secondary, or resultant from a pre-existing condition.
Compare ASPCA Pet Health Insurance To Other Top Providers
If you'd like to see how the ASPCA Pet Health Insurance program stacks up against other top providers, we've made it easy. Take a look at the links below:
Disclosure from the ASPCA Pet Health Insurance program:
1We offer a 30-day money back guarantee if no claims are filed. Not available in NY.
2Coverage for prescription food does not include prevention or general health maintenance (including weight loss).
Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Preventive and Wellness Care reimbursements are based on a schedule. Complete Coverage℠ reimbursements are based on the invoice. Levels 1-4 reimbursements are based on usual and customary eligible costs. Products, schedules, and rates may vary and are subject to change. Discounts may vary and are subject to change. More information available at checkout.
The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ). Insurance products are produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227), a Crum & Forster company. Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.