ASPCA Pet Insurance Review

ASPCA offers pet insurance through a partnership with Hartville Pet Insurance. Its comprehensive accident and sickness and accident-only policies, generous wellness rider, and flexible pre-existing conditions policy contribute to the organization’s mission to improve the quality of life for pet owners. pets.

We’ve reviewed ASPCA’s coverage details and exclusions, add-on services, discounted rates, customer service, reviews, and more to help you decide if its plans are right for you.

Company Overview: Protecting Animals for Over 150 Years

Founded in 1866 to promote animal welfare, the ASPCA began offering health insurance policies through the Hartville Pet Insurance Group in 2005. Since then, the ASPCA has insured more than 400,000 dogs and cats and processed more than 1.6 million complaints.

The company offers a customizable policy builder with deductibles as low as $100, reimbursements of 70% to 90% of vet bills, and an optional wellness rider that covers prescription drugs and alternative treatments. You can also get a 10% discount for each additional pet you insure.

Consumer ratings from the ASPCA are mixed. Trustpilot gives the company an Excellent rating, while Yelp rates it below average. Yelp reviewers complain about long refund times and sudden increases in premiums. Trustpilot reviews acknowledge the company’s slow claims process but praise its friendly and helpful customer service.

ASPCA policies are underwritten by the United States Fire Insurance Company, which has an A rating for financial stability from AM Best.

Available policies: accident and sickness

ASPCA offers uniquely customizable accident and sickness insurance policies for cats and dogs. Simply enter your pet’s information along with your zip code into the online quote generator and you can create the plan of your choice in minutes with the following coverage options:

Deductible: $100, $250, $500
Annual coverage limit: $3000, $5000, $7000, $10000
Refund: 70%, 80%, 90%

Accident and illness

ASPCA requires you to wait 14 days after your policy begins before filing an accident or illness claim. Any claim filed before the expiry of the waiting period is automatically refused. ASPCA will also cover pre-existing conditions if your pet has had no symptoms or treatment for 180 days.

The following services and treatments are covered by ASPCA accident and sickness insurance:

Accidents
Diseases
Hereditary and congenital conditions
Behavioral problems related to anxiety or compulsive behavior
Prescription drugs
Prescription foods and supplements
Microchip implantation

Accident only

The ASPCA also offers accident-only coverage for cats and dogs with the same 14-day waiting period as its accident and sickness plans. This policy only covers diagnostic examinations and treatment resulting from injuries.

ASPCA covers prescriptions, prescription pet foods, and alternative therapies for conditions covered in its standard policies.

Other add-ons: wellness cover

In addition to accident and sickness and accident-only insurance, the ASPCA offers two optional wellness care plans that will reimburse you for preventive and routine pet care. You can choose between the Basic Preventive Care plan for $9.95 per month with an annual limit of $250 or the Premium Preventive Care plan for $24.05 per month with an annual limit of $450.

The prices below indicate how much ASPCA will pay for each service (up to your annual limit) depending on whether you choose the Basic or Premium Preventive Care Plan.

A serviceBasic preventive carePremium preventive care

dental cleaning $100 $150

wellness exam $50 $50

Dewormer $20 $25

Sanitary certificate N / A $25

Flea / Heartworm Prevention N / A $25

Vaccine/DHLPP titer $20 $25

Rabies or Lyme disease vaccine/titer $20 $25

Vaccine / Bordetella titer N / A $25

Fecal test $20 $25

Heartworm test $20 $25

Blood test N / A $25

Urine analysis N / A $25

Unique Features: prescription coverage

The ASPCA also covers the cost of prescription drugs in its accident and sickness and accident policies only if they are used to treat covered illnesses. This also extends to prescription pet foods, but not when used for general maintenance or weight management.

Unique Features: Alternative Therapies

Most pet insurers do not cover alternative or holistic treatments or offer coverage as a paid add-on rider. However, the ASPCA includes reimbursement for the following alternative therapies when used to treat conditions covered in its accident and sickness and accident policies only:

Acupuncture
Physiotherapy
Chiropractic care
rehabilitation therapy
hydrotherapy
Low-level laser therapy

Plan Exclusions: Pre-Existing Conditions

ASPCA will not cover any claims related to pre-existing conditions, which is typical of almost all pet insurers. As mentioned earlier, however, pre-existing conditions may be covered if your pet has not shown symptoms or treatments for the disease for 180 days.

The following conditions are also excluded from coverage:

Aesthetic, cosmetic, endodontic, or orthodontic dental services
Expression and/or resection of the anal sac (gland)
Boarding
Breeding, pregnancy, birth, or lactation
Cosmetic and elective prostheses or procedures
Dental cleanings
Experimental or investigational treatment or drug
Funeral services, memorials, urns, caskets, or funeral plots/expenses
Grooming supplies
Herbs
Home visit costs travel time, and expenses
Illness or injury resulting from intentional, malicious, or grossly negligent activities or failure to perform actions generally accepted as responsible pet care
Organ or heart valve transplants
Prescription foods, pet foods, commercial diets, or treats used for the prevention or maintenance of general health (including weight loss)
Incident-free preventative care
Supplements and vitamins used for the prevention or maintenance of general health
Training or training devices
Veterinary expenses related to racing, organized fighting, law enforcement or custody, personal protection, or racing

Cost: Affordable premiums and wellness coverage

Although ASPCA’s premiums are competitive with most other providers, its low-level wellness rider is cheaper than most, at just $9.95 per month. We used the company’s online quote estimator to create the following two rules.

Accident and sickness insurance for a three-year-old, medium-sized (26-50 lb) mixed-breed female dog with $10,000 coverage, $500 deductible, and 80% reimbursement, will amount to $37.15 per month. Basic preventative care coverage added $9.95 per month for $250 of coverage for a total of $47.10 per month.

Accident and sickness insurance for a one-year-old domestic longhair cat with $10,000 coverage, $500 deductible, and 80% reimbursement was $19.71 per month. Basic preventative care coverage added $9.95 per month for $250 of coverage for a total of $29.66 per month.

ASPCA also offers a 10% discount for each additional pet you insure. You can also choose to pay your premiums monthly, quarterly, semi-annually, or annually. Finally, the ASPCA will refund 100% of your premiums paid if you cancel your policy within 30 days for any reason and have not received a refund.

The ASPCA reimburses claims within 30 days, which is a bit longer than other pet insurers.

Customer service: online portal, mobile application, etc.

ASPCA facilitates the submission of claims online through a member portal, by mail, or by fax. The online Member Center and My Pet Insurance mobile app can also be used to update billing, add pets, change coverage and check claims status.

ASPCA typically processes claims within 30 days, which is slow compared to other pet insurers. You can also choose to have your vet bills reimbursed by direct deposit or a postal check.

ASPCA offers phone and email support Monday through Friday from 8:00 a.m. to 8:00 p.m. EAST.

Competition: ASPCA vs. kiss

We compared ASPCA Pet Insurance to Embrace Pet Insurance, which also offers similar policies, prices, wellness endorsements, and discounts.

At first glance, Embrace seems like a better choice. It offers a slightly lower premium for the same coverage, a wellness plan that includes services as well as prescription food, and a two-day waiting period for accidents compared to 14 days for the ASPCA. window.

On the other hand, because the ASPCA offers 10% off for each additional pet you insure instead of just 10% for all additional pets like Embrace, its plans may be more cost-effective if you have multiple pets. servants. ASPCA also offers coverage in Canada and the United States, so your pets are covered in both countries.

ASPCAkiss

Animals covered Dogs and cats dogs and cats

Example of cost $44.63 to ensure a two-year-old dog with 80% coverage, an annual limit of $10,000 and a deductible of $500 and $250 in welfare coverage $42.77 to insure a two-year-old dog with 80% coverage, $10,000 annual limit, and $500 deductible and $250 wellness coverage

Type of coverage Accident only, accident and sickness, welfare Accident only, accident and sickness, welfare

Waiting time Accidents: 14 days

Illness: 14 days Accidents: two days

Illness: 14 days

Network size Any licensed veterinarian in the United States and Canada Any licensed veterinarian in the United States

Final Verdict: Average Coverage at an Average Price

While the ASPCA’s prices and policies are industry average, its wellness coverage is a bargain. That said, we would have gladly paid a little more to be reimbursed for dental services and to be able to choose a reimbursement percentage for preventive care rather than being limited to a fixed amount of coverage.

We appreciate that the ASPCA covers prescription foods and alternative treatments and offers some flexibility when it comes to pre-existing conditions. A 10% discount per additional animal is also useful when you want to protect a large family of animals without breaking the bank.

Overall, however, ASPCA doesn’t offer the most impressive coverage for the price. We recommend creating a policy to see how much you’ll pay, then compare prices a bit. You can find a slightly better deal for your money elsewhere