ASPCA Pet Insurance

History of Pet Insurance

ASPCA Pet Health Insurance was started in 2006 through a strategic partnership between the ASPCA® and Crum & Forster Pet Insurance Group, a division of C&F Insurance Agency, Inc. Founded in 1997, the agency is one of the original pet health insurance providers in the US. They offer plans for accidents only, accidents and illnesses (Complete CoverageSM), and an optional preventive care options that can be added to either plan at an additional cost.

Some Interesting Background facts on ASPCA:
ASPCA is not engaged in the business of insurance. 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.

Policy Coverage:

Plans offered Complete CoverageSM and Accidents Only
Underwriter United States Fire Insurance Company
Headquarters Akron, Ohio
Where Plans Offered U.S.
Deductible Type Annual
Deductible Options $100, $250, and $500
Reimbursement Option 70%, 80%, or 90%
Policy Annual Limit Options 5k, 10k, 15k, 20k to unlimited annually
Lifetime Payout Limits None
Preventive Coverage Yes, at an additional cost
Upper Age Limits No
Vet Exam Fees Yes, for covered conditions
Covers Hereditary/Congenital Yes
Hips Dysplasia Yes
Prescription Medications Yes
Cancer Treatments Yes
Emergency Visits Yes
Hospitalization Yes
Surgery Yes
Prescription Food Yes, for covered conditions
Specialists Yes
Outpatient Care Yes
Alternative Yes
Waiting Periods 14 days for accidents
14 days for illnesses
14 days for knee and ligament coverage
Customer Service Monday to Friday 8 am to 8 pm eastern
Filing Claims Options Online, Mobile App, Email, Fax, or Mail.
Enrollment Requirements No exam required for enrollment, and medical records may be requested for claims processing
Years in Business 21 years
30 Day Money Back Guarantee Yes, if no claims have been paid. Not available in NY
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Sample Policy

Here are the ASPCA Pet Health Insurance program’s strengths:

  • Offers multiple pet discounts
  • Offers dental disease coverage
  • Offers optional preventive coverage and accident only coverage
  • Offers coverage for microchip implementation
  • Will consider coverage for a cured condition as long as the condition is curable, the condition is cured, and the pet has gone without treatment and shown no symptoms for 180 days, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered. (ASPCA Pet Health Insurance plan’s term on pre-existing conditions as stated on their website)
  • Offers prescription food and vet prescribed supplements for covered illnesses (not weight loss or general health maintenance)
  • Offers a mobile app (recently implemented)
  • Offers behavioral coverage
  • The underwriter is rated A by AM Best Company (2020)
  • Excellent customer reviews with trust pilot (9.5/10), and petinsurance review (9.0/10)

Here’s what nice to have, but not offered /or required by ASPCA Pet Health Insurance plans:

  • Monthly premiums are slightly higher than some of their competitors
  • A $2.00 monthly /quarterly fee is assessed if pet owner does not choose annual payment.
  • Negative reviews easily found under the old ASPCA Pet Health Insurance plans
  • Does not allow upgrades to a higher payout plan until next renewal period. If you change to a higher payout plan, plan starts all over again.
  • Does not offer 24/7 customer service, however open 7 days a week

A Quick Overview on ASPCA Pet Health Insurance:
Prior, the ASPCA Pet Health Insurance program had varied customer satisfaction reviews online. Since new plans were revamped in 2016 to include an annual deductible and an unlimited payout option, customer satisfaction reviews have surged. In fact, the ASPCA Pet Health Insurance program’s customer satisfaction review on trustpilot.com (9.5/10) is now one of the highest among the pet insurance companies. Furthermore, while no pet insurance will cover a pre-existing condition, ASPCA Pet Health Insurance plans will no longer consider a condition to be pre-existing if the condition is curable and has been cured and free from treatment and symptoms for 180 days, or 6 months, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered. It is best to call ASPCA Pet Health Insurance customer service dept. and clarify which conditions meet this requirement.

In addition, ASPCA Pet Health Insurance plans offer one of the shortest waiting periods -just 14 days for accidents, illnesses, and knee and ligament coverage. For multiple pet owners, each additional pet insured receives a 10% discount after the highest premium pet. Recently for a faster claims process, they introduced a mobile app.

Finally, when we called and tested ASPCA Pet Health Insurance’s customer service department, calls were answered promptly, and each call was answered by a knowledgeable and enthusiastic customer service rep. They have greatly improved, and compared to other pet insurance providers, they have one of the most to offer. So if you are looking for a pet insurance provider with a long established history, flexible and customizable plans with great coverage, affordable wellness options, and improved high customer satisfaction reviews, the ASPCA Pet Health Insurance program could be the one to fit your pet’s needs. Click on Free Quote from ASPCA Pet Health Insurance banner link above, and check if their plans and prices would work for you.

Disclosure:

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. Products, schedules, discounts and rates 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, produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). 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.