ASPCA Pet Insurance Review 2023

ASPCA, which is short for the American Society for the Prevention of Cruelty to Animals, is a pet health insurance company and a non-profit organization based in the United States. The company operates on the belief that animals deserve humane treatment, and serves to prevent animal cruelty in the United States. According to ASPCA Pet Insurance reviews, it has over one million members and is one of the largest animal welfare societies in the world.

ASPCA was founded by Henry Bergh in 1866 and furthers its animal welfare missions through various programs, including pet insurance centers, adoption centers, and neutering and spaying clinics. In 2006, the company partnered with Hartville Pet Insurance and started selling pet insurance policies. It is administered by the C&F Insurance Agency and is underwritten by the United States Fire Insurance Company.

In this guide, let us take a look at why ASPCA Pet Insurance is regarded as one of the top pet insurance companies in the United States.

How We Reviewed

We reviewed ASPCA Pet Insurance by analyzing many of its quantitative and qualitative factors in an unbiased manner. Here is a list of things we checked out:

• What kind of coverages ASPCA Pet Insurance sells
• Pre-existing conditions and exclusions
• Pet Insurance pricing quotes
• Its deductibles and reimbursements
• Discounts
• Its claims process and turnaround time
• ASPCA rating and reviews
• Comparison with competitors
• Customer service
• Financial stability
• Pros and cons 

Where Is It Available

ASPCA is available in all 50 states. The company is based in New York and is located on 424 E. 92nd St, New York, NY 10128-6804.

ASCPA Pet Insurance Review

Types of Coverages

There is no age limit for pets enrolled at ASPCA. You can sign up your cat and dogs when they are as young as 6 weeks, without any upper age limit- one of the biggest benefits of ASPCA.

There are two major types of ASPCA Pet Insurance for cats and dogs: complete coverage and accident-only coverage.

Complete Coverage

ASPCA’s Pet Insurance Complete Coverage plan is their most comprehensive policy. The plan includes coverage for exam fees, diagnostics, lab tests, treatment, and therapy for:

Accident: Pet accident insurance covers the cost for pet emergency care including bite wounds, poisoning, torn ligaments, and broken bones. The coverage can be used to reimburse the cost of pet medication and IV fluid, medical supplies, MRI scans, X-rays, CT scans, ultrasounds, blood tests, urinalysis, exam fees, surgery, and hospitalization fees.

Illnesses: The insurance plan covers the costs of illnesses that are immediately life-threatening and include reimbursement for allergies, arthritis, cancer, and urinary tract infections.

Vet exam fee: This includes medical exams and consultation fees for accidental injuries and illnesses, but not preventive ones. This also includes the consultation fee and overseeing your pet’s treatment.

Hereditary and congenital conditions: This coverage compensates you for the cost of treatment of pet hereditary conditions like heart, intervertebral disc, and eye diseases, as well as hip dysplasia insurance coverage which is often excluded from many types of pet insurances.

Chronic conditions: Pet chronic conditions include conditions like diabetes, arthritis, and cancer, and they are covered continuously under the ASPCA plan. 

Cancer treatment: Coverage for pet cancer treatment includes chemotherapy and radiation therapy.

Behavioral modification therapy: This compensates pet parents for the cost of pet behavioral therapy for issues like aggressiveness, excessive licking, and fur pulling.

Alternative Therapies: These include covering the cost of pet physical therapy and pet rehabilitation, hydrotherapy, chiropractic, acupuncture, homeopathy, and naturopathy.

Dental Coverage: Pet dental insurance coverage at ASPCA includes reimbursement for tooth extractions, illness-related cleaning, periodontal disease, cysts, enamel, deciduous teeth, and unerupted teeth issues.

Prescription food and medication: This includes pet prescription drug coverage, as well as coverage for prescription food for a covered illness or injury and nutritional supplements prescribed by the vet.

Emergency veterinary care: ASPCA covers all emergency hospital trips and vet visits in case of unexpected injuries or illnesses.

Other: This includes coverage for stem cell therapy, laser therapy, microchip implantation, vet administered euthanasia, and cremation and burial expenses.

ASPCA Pet insurance reviews praise the wide variety of issues covered by this plan.

Accident-Only Pet Insurance

The accident-only coverage plan will reimburse pet parents in case of an accident but not in the case of an illness. This includes coverage for accident-related fees, plus alternative therapies, pet exam fees, and vet labor. However, it excludes coverage for hereditary, chronic, and congenital diseases, cancer treatment, behavioral therapy, and dental issues resulting from oral diseases.

Aside from this, ASPCA also has a routine preventive care add-on package.

Preventive Pet Wellness Plans as Add-On

For an additional monthly cost, you can tack on a preventive care add-on that will reimburse your pet for routine wellness care. The coverage can be added in the form of basic or prime pet wellness plans. Add-ons do not have a waiting period and do not require deductibles.

These rider packages cover routine preventive pet insurance for dogs and cats and can be added to your coverage for as little as $9.95 to $24.95 per month.

Basic preventive care: This rider package offers the set maximum annual reimbursement amount for:

• Dental cleaning: $100
• Wellness exam: $50
• Deworming: $20
• DHLPP Vaccine/ titer: $20
• Rabies or Lyme Vaccine/ Titer: $20
• Fecal test: $20
• Heartworm test: $20

Prime preventive care: Prime care package includes all the coverage elements of the basic care rider but offers higher reimbursements. Additionally, this package also includes cover for:

• Pet blood work/test: $25
• Urinalysis: $25
• Flea/ heartworm prevention: $25
• Bordetella vaccine/ Titer: $25
• Health certificate: $25

What’s Not Covered by the ASPCA

Like all pet insurance providers, ASPCA also has a few exclusions:

Pre-existing conditions

ASPCA Pet Insurance pre-existing conditions policy states that if a pet shows signs of an illness or injury before the coverage is effective or during the waiting period, the condition will not be covered. However, if a condition resolves itself and your pet becomes free of the symptoms and treatments for 180 days, it will no longer be regarded as a pre-existing condition, with the exception of knee or ligament conditions.

Pre-existing conditions, however, will not bar your pet from enrolling in ASPCA and getting coverage for other unrelated non-pre existing illnesses and injuries.

Other exclusions are:

Cosmetic Procedures: ASPCA also does not cover cosmetic pet grooming procedures like declawing, tail docking, and ear cropping.

Breeding: Costs associated with pet pregnancy, breeding, queening, and whelping are not covered.

ASPCA Pet Insurance Pricing

ASPCA Pet Insurance cost is determined by several pet variables like its age, gender, breed, health conditions, locations, and more. The company also offers customizable options that can affect the pricing of your ASPCA Pet Insurance coverage:

Annual limit: ASCPA offers an unlimited claim limit but pet parents also have the option of choosing a minimum annual limit of $2,500 to $20,000.

Reimbursement Percentage: Pet parents also have the option of choosing reimbursement percentages from options of 70%, 80%, and 90%. This is the percentage amount you will get from ASPCA once your vet has billed you.

Annual Deductible: You can choose from three different deductible amounts: $100, $250, and $500. The higher the deductible, the lower will be your monthly premium.

If you want to get an estimate of your ASPCA Pet Insurance quote, here is an example:

• A 1-year-old dog will cost an average of $41.62 for complete coverage
• A 3-year-old dog will cost an average of $44.6 for complete coverage
• A 6-year-old dog will cost an average of $59.5 for complete coverage
• A 12-year-old dog will cost an average of $133.8 for complete coverage
• A 1-year-old cat will cost an average of $24.34 for complete coverage
• A 3-year-old cat will cost an average of $24.34 for complete coverage
• A 6-year-old cat will cost an average of $23.7 for complete coverage
• A 12-year-old cat will cost an average of $71 for complete coverage

Additionally, accident-only pet insurance for dogs can cost anywhere between $13.9 to $33.20, while pet insurance for cats can cost anywhere between $9.87 to $22.26.

You will also be charged a $2 transaction fee per month if you opt for the monthly, quarterly, or six-monthly payment option instead of the annual payment option.

ASPCA Pet Insurance Discounts

ASPCA also offers discounts for certain members:

Employee Discount: ASPCA Pet Insurance offers employee benefit programs for vet clinics in certain states. Staff in these clinics can get a 10% discount on their base plan premium package for every pet they enroll.

Multi-Pet Discount: ASPCA also offers a 10% discount if a member enrolls multiple pets with them.

Both these discounts are stackable and offer even more savings for members. ASPCA Pet Insurance reviews reveal that clients are very happy about this one.

ASPCA Discount Codes: You can also find ASPCA discount codes on coupon sites like retailmenot.com, coupons.com, sociablelabs.com, and more.

ASPCA Pet Insurance Claims

ASPCA’s claim process is very simple. Here is what you need to do:

• Go to ASPCA’s My Pet Insurance App or the Member Center at www.aspcapetinsurance.com.
• Fill out the ASPCA Pet Insurance claim form with your name, contact information, address, and signature as well as the vet’s invoice.
• Submit the form electronically or print out a hard copy and send it through email, mail, or fax.
• You can track the status of your claim through the app or the website.
• Once an ASPCA expert reviews your claim and approves it, you may get a reimbursement in less than 16 days, although the average timeline is 9 days. As per some ASPCA Pet insurance reviews, customers even had to wait 30 days to get their money.

ASPCA also has a claim expiration date of 270 days.

ASPCA Pet Insurance Waiting Period

Like most pet insurance companies, ASPCA also has a waiting period during which you are not eligible for coverage. The waiting duration for illnesses, injuries, cruciate ligaments events, and hip dysplasia is 14 days.

Customer Satisfaction And Financial Strength Review

Since ASPCA isn’t an insurance provider itself, its policies are administered by Crum & Forster

ASPCA BBB rating (Better Business Bureau) is A- but it could be better if they were quick to respond to ASPCA Pet Insurance complaints. On TrustPilot and Consumer Affairs, the company has a high 4.7-star rating and reviewers say the company is fast and efficient.

Crum & Forster all administer insurance policies on behalf of ASPCA. AM Best rating company, which rates financial stability, has marked C&F as “A” or “Excellent,” the third-highest category, since 2005.

ASPCA Customer Service

There are several ways you can get in touch with the customer support department. If you already have a profile on ASPCA, you can contact the support team by messaging them through the Member Center.

You can also reach the support team by phone. ASPCA customer service number is 866-204-66764 and is open on weekdays from 8 am to 9 pm EST, Saturday from 9 am to 5 pm EST, and Sunday from 11 am to 3 pm.

You can also send an email at [email protected] or fax the support department at 866-888-2497.

You can also send a post mail at ASPCA Pet Insurance address 424 E. 92nd St, New York, NY 10128-6804.

Comparison With Competitors

ASPCA Pet Insurance Vs Embrace

Both ASPCA and Embrace pet insurance offer similar pet insurance policies, though ASPCA takes the cake when it comes to wellness coverage. Embrace also has a wellness add-on, though that is not an insurance policy but rather a sort of savings account to spread the expenses of preventive care over the year.

Both ASPCA and Embrace have a waiting period of 14 days for illnesses, but Embrace has a 2-day waiting period for accidents as compared to ASPCA’s 14 days.

Additionally, ASPCA does not have an age limit for pets while Embrace only allows pets less than 15 years old to enroll.

ASPCA Pet Insurance Vs Healthy Paws

Like ASPCA, Healthy Paws pet insurance is also committed to animal welfare and dominated by non-profit organizations with every quote. However, it does not cover regular veterinary care and does not provide coverage for hip dysplasia for pets over 6 years. In this regard, ASPCA Pet insurance reviews show it to be the better choice since there is no upper age limit for hip dysplasia coverage and it also offers a decent wellness plan.

However, Healthy Paws pays 995 of its claims in 2 days while ASPCA claims it offers payout in 16 days.