For most people, the name ASPCA is associated with heart-wrenching commercials featuring celebrity spokespeople that draw attention to animal cruelty.
What you may not know is that the ASPCA is also a premier pet insurance provider.
While pet insurance shoppers might automatically be drawn to the company based on its noble efforts to confront animal abuse, there’s more to choosing a good pet insurance provider.
You also need to examine the company’s financial strength, policy options, and the cost of coverage.
Our ASPCA pet insurance review does just that, presenting you with all the details you need to assess ASPCA.
Table of Contents:
- About ASPCA Pet Insurance
- ASPCA Insurance Options
- Waiting Periods
- Sample Quotes
- Pros and Cons
- Alternatives to ASPCA Pet Insurance
About ASPCA Pet Insurance Company
ASPCA Pet Health Insurance opened its doors in 1997, though its parent company Crum and Forster has been in business since 1822.
It is the face of the Crum & Forster Pet Insurance GroupTM, formerly known by the name Hartville Pet Insurance GroupTM.
ASPCA’s policies are underwritten by the United States Fire Insurance Company, lending to its credibility and financial strength.
The United States Fire Insurance Company has an “A” rating from A.M. Best.
In 2006, Crum and Forster joined forces with ASPCA in an attempt to further its impact and support the ASPCA’s mission.
Crum and Forster has an “A+” rating from the Better Business Bureau, as well as BBB accreditation, further solidifying its upstanding reputation and relationship with policyholders.
Today, ASPCA has insured over 400,000 pets, with more than 1.6 million claims settled.
ASPCA Pet Insurance Plan Options
ASPCA offers one comprehensive accident and injury plan, called Complete CoverageSM.
We’ll spell out the coverages and exclusions below.
- Accidents and injuries
- Alternative treatments
- Behavioral therapy
- Cancer treatment
- congenital, and hereditary conditions
- Diagnostic testing and treatments
- Emergency care for covered conditions
- Exam fees: Includes specialist visit and any non-routine appointments
- Hospitalization for covered conditions
- Illness, excluding pre-existing conditions
- Prescribed medications for covered conditions
- Surgery for covered conditions
You can also add wellness coverage to the plan at an additional cost, which can help foot the bill for routine or preventative checkups and treatments.
What’s Not Covered
Here are some of the most common exclusions from ASPCA’s accidental injury and illness coverage:
- Anal expression
- Breeding, pregnancy, and associated costs
- Cosmetic surgery
- Experimental treatments
- Food, vitamins, or supplements
- Funeral expenses
- General preventative and wellness care
- Herbal treatments
- Illness or injury from negligence or abuse by the owner
- Organ transplants
- Preventative dental cleanings
Accident Only Coverage
ASPCA’s accident-only plan allows you to access less coverage for a more affordable cost.
This policy option covers the following:
- Alternative therapy
- Final expenses
- Imaging: MRI, CAT scans, and X-rays
- IV fluids and medications
- Medical supplies
- Poison control consultation fees
- Prescription food for covered conditions
- Prescription medication
- Stem cell therapy
- Supplements for covered conditions
- Surgery and hospitalization
- Tooth extractions
- Veterinary fees: Exams, consultations, and lab testing
ASPCA Pet Insurance Waiting Periods
All pet insurance companies come with waiting periods, designated amounts of time from the policy’s activation date before coverage takes effect.
While many companies impose varying waiting periods for different conditions, ASPCA is different.
The company states it has one standard 15-day waiting period, after which all coverage is active.
ASPCA Pet Insurance Quotes
A lot goes into establishing the cost of your policy.
Pet insurers like ASPCA will weigh these factors to come up with your premiums:
- Maximum amount of annual benefits, from hundreds of dollars to unlimited
- Deductible amount of your choosing
- Reimbursement percentage, usually between 70% and 90%
- Pet’s age, species, breed, and gender
- Your location
ASPCA Pet Insurance Sample Quotes for a Dog
Here are a few sample quotes for a 3-year-old male beagle in South Carolina:
|Maximum annual benefits||$5,000||$10,000||Unlimited|
ASPCA Pet Insurance Sample Quotes for a Cat
Coverage for a mixed breed cat of the same age would be close to half the cost.
ASPCA’s policy details are flexible, so you can easily tweak the plan to meet your budget by adjusting factors like the deductible.
You can also save money by insuring multiple pets with ASPCA, which earns you a 10% discount on coverage.
Pros and Cons
There are some definite advantages and disadvantages to choosing ASPCA as your pet insurance provider.
Let’s take a moment to examine both.
- Flexibility: ASPCA’s policies are easy to customize, from the cost to coverage options. You can easily adjust your deductibles, reimbursement level, and maximum annual benefits.
- Unique Coverage: Along with the expenses you would expect to see from a top-tier provider, ASPCA covers final expenses, behavioral therapy, and more.
- Pre-existing Condition Policy: Whereas many companies deny pre-existing conditions outright, ASPCA will cover these conditions if the dog or cat has been symptom free for 180 days.
- Wellness Coverage: A lot of pet insurance companies only offer emergency accident and illness protection, while ASPCA adds preventative care to the mix.
- Waiting Period: ASPCA imposes a 15-day waiting period for all conditions across the board. Knee or ligament incidents during the waiting period exclude future cases from being covered.
- Cost: ASPCA’s policies probably aren’t the best options for budget-conscious insurance shoppers, as their prices are not the most competitive in most cases.
- Customer Complaints: Some policyholders report slower turnaround times than the industry average on claims and low reimbursements.
Alternatives to ASPCA
ASPCA is one of several excellent pet insurance companies.
To get the absolute best coverage for your cat or dog, you should shop around, comparing multiple options.
You can start with the list of pet insurance providers below:
- Embrace Pet Insurance
- Figo Pet Insurance
- Nationwide Pet Insurance
- Progressive Pet Insurance
Is ASPCA Pet Insurance for You?
Pet insurance could be essential to protecting your furriest family members if an unexpected illness or injury arises.
If you buy an ASPCA insurance plan, it could provide for their basic routine coverage, too.
And thanks to a rewarding 10% discount for multiple pets, you could protect all of your pets and earn savings in the process.
With strong financial ratings and the backing of one of the most commendable animal rights organizations in the world, ASPCA couldn’t be a more trustworthy provider.
Weigh your pet policy needs, set a budget, and get quotes from ASPCA today.
ASPCA Pet Insurance
- A.M. Best: A
- BBB: A+