ASPCA® Pet Health Insurance 2021: Budget-Friendly Customizable Plans

Lisa Scott

ASPCA® Pet Health Insurance program offers coverage on illness, accidents, and optional preventive care at an additional cost to help keep your pet healthy throughout the year at affordable monthly premiums. With its customizable policies, the agency attracts thousands of pet owners who want to configure their policies to suit their financial and pet coverage needs.

Overall rating

4.9

Summary: ASPCA® Pet Health Insurance program may help you lower your cost with a customizable plan that fits your financial situation and pets’ healthcare coverage needs.

ASPCA® Pet Health Insurance

aspca pet health insurance logo

$10,000

Coverage Up To

70% - 90%

Reimbursement Rates


Reviews

5

Policy Application

4.5

Fees & Coverage

5

Claim Support

5

Customer Service

5

Safe & Secure

Pros

  • Annual deductible
  • Robust resource center
  • Fast and simple filing of claims
  • Vet finder
  • Discount on multiple pets
  • Money-back guarantee*

Cons

  • Waiting period on the policy
  • Does not cover pre-existing conditions.

Our Pick For

  • Budget-friendly plans
  • Prescription medication coverage for covered conditions
  • Extensive optional preventive care coverage (at an additional cost)

Features

HQAkron, Ohio
PolicyIllness, Accident, & Optional Preventive Care Coverage
Eligible Pet Age8 weeks+
Annual Coverage$3,000 to $10,000
Reimbursement Rate70%, 80%, 90%
Deductibles$100, $250, $500
Medical ExamNot required
Restricted StatesOperates in all US states

In depth review on ASPCA® Pet Health Insurance

ASPCA® Pet Health Insurance is a leading brand in the pet insurance industry that was founded in 2006. Through a partnership with United States Fire Insurance Company, a Crum & Forster Company, the ASPCA licenses its name to the agency to use the ASPCA® Pet Health Insurance brand name. With over 20 years of experience in the market, the agency has insured over 400,000 pets and reimbursed over 1.6 million claims. 

Our pick explained

  • Budget-friendly plans: The program offers a wide range of deductibles and reimbursement rates to help you customize your policy based on the coverage you need and your financial situation. 
  • Prescription coverage: ASPCA® Pet Health Insurance program covers the cost of prescription medicine to treat covered conditions and prescription pet food but not for general maintenance or weight management. 
  • Extensive preventive care coverage: The program offers two optional wellness care plans at an additional cost that may reimburse you for preventive and routine care to help keep your pet healthy all year round. 

ASPCA® Pet Health Insurance benefits

  • Annual deductible: The program is committed to your pet’s health and offers an annual deductible, which needs to be paid only once a year regardless of how many times your pet gets sick or injured. 
  • Robust resource center: The pet insurance program strives to address all your pet’s needs. From insurance tips, healthcare tips, to breed-related informational blogs, pet parents can learn a lot from the program to help keep their pets safe and healthy. 
  • Fast and simple filing of claims: ASPCA® Pet Health Insurance program offers a mobile app that is user-friendly and easily accessed through a mobile phone. You can file your claim through your phone or computer in minutes.
  • Vet finder: There is a vet finder feature that helps pet parents search for licensed veterinary clinics within their area, saving them time. Finding a licensed vet clinic can be a challenging task when you are in a new area.
  • Discount on multiple pets: You can receive a discount of up to 10% on every additional pet enrolled. 
  • Money-back guarantee: The program provides you a 30 day money back guarantee if no claims are processed.*

ASPCA® Pet Health Insurance drawbacks

  • Waiting period on policy: There is a 14 day waiting period.
  • Does not cover pre-existing conditions: ASPCA® Pet Health Insurance plans do not cover pre-existing health conditions. 

Factors contributing to the overall rating

Policy application

5

ASPCA® Pet Health Insurance does not require any medical examination before enrolling your pet. However, the program reserves the right to access your pet’s medical history during claims or when more clarification is required. The program offers coverage to cats and dogs and does not limit the maximum age. However, the minimum age for enrolling your pet is 8 weeks. 

You can create your account by signing up through the official website or mobile app. The program offers a user-friendly mobile app on both Android and Apple phones. You will be required to enter your pet’s information to become a member of ASPCA® Pet Health Insurance program. Once you have created your account, you can visit the member center to add your pet, link your active credit or debit card to pay monthly premiums. The sign-up process is fee-free.

Fees and coverages

4.5

ASPCA® Pet Health Insurance program offers the following coverages:

  • Accident only
  • Complete CoverageSM
  • Optional preventive care coverage

The waiting period for the policies are 14 days, both on illness and accident coverage. The program does not limit you to any preferred vet clinic. You can visit any licensed vet or specialist in the US and submit your claims. The program also offers a vet finder feature that helps you locate a vet clinic in your area. 

To learn more, please visit their website.

Claim support

5

Submitting claims is easy and straightforward. First, you need to visit any licensed vet clinic in the US and take a copy of the bill. You can choose to file your claim through the official website or the mobile app. When using the mobile app, you need to login and click on the claim icon. Here, you only need to describe what happened to your pet and attach a picture of your bill. You will get a notification once your claim has been received. 

If you are submitting through the official website, you need to login and select the member center, fill in some pet healthcare-related information and attach a picture of your bill. If you can’t access any of the above options, you can send it to ASPCA® Pet Health Insurance via email, fax, or mail. Pet parents can also track their claim’s status through the member center or through the mobile app. 

You will receive an email in case the insurance agency requires further clarification. The program reimburses your money for covered claims through direct deposits or electronic fund transfer.

Customer support

5

You can contact the support staff through the program or give them a call via 1-866-204-6764. You can also use the live chat option to speak to the support staff for faster replies. ASPCA® Pet Health Insurance also offers veterinary services to pet owners when an incident occurs. You can use the telephone number 1-877-738-2677 to seek healthcare advice from professional veterinary doctors during emergencies. The working hours are as follows:

  • Customer Support: Mon – Fri (8 am to 8 pm EST)
  • Veterinary Professionals: Mon – Fri (9 am to 5 pm EST)

Safe and secure

5

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

Is ASPCA® Pet Health Insurance right for you?

ASPCA® Pet Health Insurance program is committed to helping your pet receive tremendous care at an affordable cost when an accident or illness occurs. The policy is customizable by selecting specific coverage relevant to your pet’s healthcare needs, so you won’t pay for coverage you do not need, which helps you save more.  

*30-day money back guarantee if no claims are filed. Not available in NY.

Disclosure provided by the ASPCA Pet Health Insurance program: 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. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. 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 (NAIC #21113. Morristown, NJ), 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. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.