ASPCA Pet Health Insurance Review – 2022 Coverage And Cost – MarketWatch

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In This Article: Pros & Cons | Plans & Coverage | Exclusions | Customizations | Pricing | Reviews | Alternatives | FAQs
ASPCA Pet Health Insurance is one of the oldest pet insurance companies available. Through a strategic partnership with the American Society for the Prevention of Cruelty to Animals (ASPCA) established in 2006, Crum & Forster Pet Insurance Group provides ASPCA Pet Health Insurance policies that are underwritten by the United States Fire Insurance Company to pet owners across the country.
Keep reading to learn about ASPCA Pet Health Insurance policies and premiums to determine if it’s the best pet insurance company for you and your pet.
 
+ Includes coverage for exam fees and microchip implantation in standard policies
+ Offers an accident-only plan at a low monthly cost
+ Provides two wellness care options to choose from with different levels of coverage and monthly rates
– Max annual coverage limit of $10,000, which is lower than most providers
– Has a waiting period of 14 days for accidents, which is longer than some competitors
 
Here are the most current pet insurance plans that ASPCA has to offer:
This plan is ASPCA Pet Health Insurance’s most affordable option and covers injuries and emergencies related to accidents, such as bite wounds, cuts, broken bones, toxic ingestions and torn ligaments. With this plan, you’ll be reimbursed for vet bills from procedures, treatments, diagnostics and exam fees that you pay after a covered accident.
This plan is ASPCA Pet Health Insurance’s most comprehensive option. It covers treatments, procedures, diagnostics and exam fees related to the accidents listed in the Accident-Only plan in addition to illnesses and other conditions. These conditions can include cancer, arthritis, hip dysplasia, digestive problems, UTIs, heart disease, behavioral disorders and more.
This is the provider’s cheapest preventative care add-on that costs $9.95 per month for a total of $250 of annual coverage on routine care.
Here is each covered item and its maximum annual limit:
Treatment
Maximum Annual Benefit
Dental cleaning
$100
Wellness exam
$50
Deworming
$20
DHLPP vaccine*
$20
Rabies or lyme vaccine
$20
Fecal test
$20
Heartworm test
$20
*distemper, hepatitis, parainfluenza and parvovirus vaccine
 
Preventative Prime add-on: This is the more comprehensive preventative care option that costs $24.95 per month and includes the following procedures and annual limits for total annual coverage of $450.
Here is each covered item and its maximum annual limit:
Treatment
Maximum Annual Benefit
Dental cleaning or spay/neuter procedure
$150
Wellness exam
$50
Deworming
$25
DHLPP vaccine
$25
Rabies or lyme vaccine
$25
Fecal test
$25
Heartworm test
$25
Health certificate
$25
Flea or heartworm prevention
$25
Bordetella vaccine
$25
Blood test
$25
Urinalysis
$25
 
Like all other pet insurance providers, ASPCA Pet Health Insurance doesn’t cover pre-existing conditions, which it defines as an “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.”
Any illness, condition or injury that occurs before or during your policy’s 14-day waiting period won’t be covered. For example, if your pet breaks a bone two days after you sign up for your policy, the injury would be considered a pre-existing condition and won’t be eligible for a claim.
ASPCA Pet Health Insurance also excludes a few other services such as boarding, breeding, anal gland expression, cosmetic or elective procedures, funeral services, grooming, organ transplants and herbal medications.
For a full list of coverage, exclusions and policy limitations, review ASPCA Pet Health Insurance’s sample policy.
 
ASPCA Pet Health Insurance customers can choose from the following options to customize their pet’s policy coverage and pricing:
 
Like most other pet insurance providers’ premiums, ASPCA Pet Health Insurance’s premiums vary depending on your pet’s species, age and location. Get a free quote from the company’s website to get the most accurate pricing for your policy. ASPCA Pet Health Insurance currently offers a 10% multi-pet discount if you purchase a policy for more than one pet.
To give you an idea of plan pricing with ASPCA Pet Health Insurance, the table below shows sample monthly premiums for the Complete Coverage Plan with a $5,000 annual limit, an 80% reimbursement rate and a $250 deductible for animals in Columbia, S.C.
Breed
1 Year Old
4 Year Old
6 Year Old
9 Year Old
Labrador retriever
$47.49
$54.28
$67.85
$108.56
Medium mixed dog
$34.17
$39.05
$48.81
$78.10
Miniature poodle
$34.17
$39.05
$48.81
$78.10
Border collie
$30.20
$34.51
$43.14
$69.02
Mixed cat
$19.69
$22.98
$26.26
$36.11
Maine Coon cat
$29.27
$34.14
$39.02
$53.66
Persian cat
$29.27
$34.14
$39.02
$53.66
Abyssinian cat
$19.69
$22.98
$26.26
$36.11
 
To assess ASPCA Pet Health Insurance’s customer satisfaction, we at the Home Media reviews team read more than 100 customer reviews of the provider on the company’s Trustpilot page. While some customers appreciated the company’s fast claims filing, easy billing, direct deposit options and responsive customer service, others referenced poor experiences with reimbursements that were lower than expected and slow response times.
We reached out to ASPCA Pet Health Insurance for a comment on the negative reviews and received the following comment in response:
“We receive great feedback from customers relating stories about how the ASPCA Pet Health Insurance program has helped them cover the costs to keep their dog or cat healthy. The bond between pet and pet parent is powerful, and we frequently receive very heartfelt, emotional emails and phone calls thanking us. In addition, we’re proud of the Excellent rating we have on Trustpilot.com (4.3 out of 5 stars).
“We make every effort to provide the best customer experience. Regarding coverage, customers choose a deductible and reimbursement percentage when signing up and claims are handled in accordance with the terms and conditions of the policy.* Therefore, depending on those factors and covered conditions, reimbursement will not be the full cost of the invoice. In addition, our teams work very hard to process claims as quickly as possible.”
Here are some ASPCA Pet Health Insurance reviews from Trustpilot:
“We submitted our claim for our two cats on Tuesday, got a response right away and money was in our checking account on Thursday.”
— Jeff F.
“The offering is OK given the cost. Looking at the invoices we’ve received on our dog, the reimbursement is lower than the actual cost, and in the case of the spaying, significantly less. The items we can claim do not seem to cover all the usual conditions applicable to a pup.”
— JB
“Dependable coverage and easy to make a claim! My dog was terribly sick with a sudden tick-borne illness that required many visits between his regular vet and emergency clinic in a 1.5-week time frame. All claims were processed sooner than expected. Glad to have the coverage plan I have.”
— Susan
“This has been a tough sell for me. ASPCA [Pet Health Insurance] has paid out our major claims, but reimbursement has not been fast and I’ve had to have multiple communications with ASPCA [Pet Health Insurance] for each claim, asking for duplicate copies of documents they already have and having the portal say more information [is] needed but [receiving] no indication of what information was needed.”
— Jessica
*Pre-existing conditions are not covered. For all limitations visit www.aspcapetinsurance.com/terms. Insurance is underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ) and produced by C&F Insurance Agency, Inc. (NPN # 3974227).
 
 
Choosing ASPCA Pet Health Insurance may be a good decision if you’re looking for an established, well-known brand with multiple years of industry experience. Its policies also come with coverage for exam fees and microchipping, which typically aren’t included in pet insurance policies.
Since pricing can vary based on the type of pet you have and where you live, request a free quote on the ASPCA Pet Health Insurance website to compare plan prices in your area.
If you don’t want to wait 14 days for accident coverage or you want higher annual limit options than $10,000, we recommend Lemonade or Embrace as alternatives.
 
See how ASPCA Pet Health Insurance compare to other pet insurance providers on the market today:
ASPCA
Lemonade
Embrace
Spot
Waiting Periods
14 days for all conditions
2 days for accidents; 14 days for illnesses
2 days for accidents; 14 days for illnesses
14 days for all conditions
Multi-Pet Discount
10%
5%
10%
10%
Mobile App
✔
✔
✔
✔
Wellness Add-On
✔
✔
✔
✔
 
You can contact ASPCA Pet Health Insurance by calling 1-866-204-6764 or emailing [email protected] during the following hours: Monday through Friday, 8:00 a.m. to 8:00 p.m. EST.
Yes. You have to wait 14 days after you sign up for a policy before you can make claims on any of your pet’s conditions, including orthopedic and ligament conditions such as hip dysplasia or knee issues.
No. ASPCA Pet Health Insurance covers only dogs and cats with its standard pet insurance plans. However, the provider offers horse insurance in some states, including New York, New Jersey, Virginia, California and a few more. Horse insurance policies are considerably different from the provider’s dog and cat policies, but you can visit the ASPCA website to learn more.
No. You don’t need to provide documentation of a veterinary exam, physical or any other medical records when signing up for a policy.
ASPCA Pet Health Insurance premiums vary based on your pet’s species, breed, age and location. Based on the various sample quotes we received, you can expect to pay between $20 and $80 per month for most pets.
Crum & Forster Pet Insurance Group has been around since 1997 as one of the oldest pet insurance providers. It also has an A+ rating and accreditation by the BBB, making it a reputable company in the industry. It administers ASPCA Pet Health Isnurance’s policies.
 
Our review of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, simulating the quote and purchasing process, speaking to representatives on the phone to assess the customer service experience and surveying 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage. We have scored each provider on a 100-point scale based on those elements.
Here are more details about each factor and how they’re weighted: 
We use our rating system to compare and contrast each company against key factors to help us determine the best pet insurance companies in the industry. Additionally, we keep our research up to date and revisit our reviews on a regular basis.
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