ASPCA Pet Health Insurance offers affordable, customizable coverage for dogs, cats, and horses, ensuring pet owners can manage veterinary costs.
Backed by a trusted name since 2006, it provides peace of mind for unexpected medical expenses.
This article explores ASPCA Pet Health Insurance, its plans, benefits, and how it works in simple, clear language.
What Is ASPCA Pet Health Insurance?
ASPCA Pet Health Insurance is a program providing coverage for pets, offered through a partnership with Crum & Forster Pet Insurance Group. It covers accidents, illnesses, and optional preventive care for dogs, cats, and horses. The American Society for the Prevention of Cruelty to Animals (ASPCA) licenses its name but doesn’t underwrite the policies.
Plans are administered by PTZ Insurance Agency, Ltd., and underwritten by United States Fire Insurance Company or Independence American Insurance Company. Available in all 50 states, it’s designed to make veterinary care accessible. Policies are customizable to fit your pet’s needs and your budget.
Types of Plans Offered
ASPCA Pet Health Insurance offers three main plans: Complete Coverage, Accident-Only, and Preventive Care add-ons. Complete Coverage is the most comprehensive, covering accidents, illnesses, and hereditary conditions. The Accident-Only plan focuses on injuries like broken bones or bite wounds.
Preventive Care add-ons, available in Basic and Prime tiers, cover routine care like vaccinations and dental cleanings. Horse plans include Colic + Accidents or Colic + Accidents + Illnesses. Each plan lets you choose deductibles, reimbursement rates, and annual limits.
Coverage and Benefits
The Complete Coverage plan under ASPCA Pet Health Insurance includes a wide range of services. It covers accidents, illnesses, behavioral issues, and hereditary conditions like hip dysplasia. Exam fees, diagnostics, and treatments like acupuncture are included.
Preventive Care add-ons reimburse up to set amounts for wellness services, such as $150 for spaying/neutering under the Prime tier. Horse plans cover colic, injuries, and some illnesses. Policies also include microchip implantation costs, excluding registration fees.
Costs of ASPCA Pet Health Insurance
The cost of ASPCA Pet Health Insurance varies by pet type, age, breed, and location. Average monthly premiums are $44-$61 for dogs and $22-$31 for cats, based on $5,000-$10,000 coverage with a $250 deductible and 80% reimbursement. Horse plans start around $20 monthly for accident-only coverage.
Deductibles range from $100 to $500, with reimbursement rates of 70%, 80%, or 90%. Preventive Care add-ons cost $10-$25 monthly. A $2 fee applies for non-annual payments, but multi-pet discounts save 10% per additional pet.
Comparing ASPCA Pet Health Insurance Plans
Choosing the right plan depends on your pet’s needs and your budget. The table below compares ASPCA’s main plans for a dog in New York with a $250 deductible and 80% reimbursement.
| Plan Type | Monthly Cost | Annual Limit | Key Coverage | Best For |
|---|---|---|---|---|
| Complete Coverage | $44-$61 | $5,000-$Unlimited | Accidents, illnesses, behavioral issues | Pets needing comprehensive care |
| Accident-Only | ~$20 | $5,000 | Injuries like fractures, bite wounds | Budget-conscious owners |
| Preventive Care (Prime) | +$25 | $250-$450 | Vaccines, dental cleanings, spaying | Routine care needs |
| Horse Colic + Accidents | ~$20 | Varies | Colic, injuries | Horse owners seeking basic coverage |
This table shows Complete Coverage offers the most benefits, while Accident-Only suits low budgets. Preventive Care add-ons enhance wellness coverage. Horse plans are tailored for specific equine needs.
How to Enroll
Enrolling in ASPCA Pet Health Insurance is simple. Visit www.aspcapetinsurance.com to get a free quote by entering your pet’s age, breed, and location. Choose your plan, deductible, reimbursement rate, and annual limit.
Coverage starts after a 14-day waiting period for accidents, illnesses, and orthopedic conditions. No enrollment exam is required, and pets as young as 8 weeks with no upper age limit qualify. Submit payment online, and your policy is emailed instantly.
Filing a Claim
To file a claim, visit any licensed veterinarian and pay the bill. Submit the invoice and a health insurance claim form via the ASPCA Pet Health Insurance app, email, fax, or mail within 270 days. Claims are processed within 30 days, with reimbursements sent by check or direct deposit.
The app allows you to track claims and manage your account. Keep receipts and vet records to ensure smooth processing. Call 1-866-204-6764 if you need help with claims.
Exclusions and Limitations
ASPCA Pet Health Insurance doesn’t cover pre-existing conditions, defined as issues diagnosed or symptomatic before enrollment or during the waiting period. Curable conditions, like vomiting, may be covered after 180 days without symptoms, excluding knee and ligament issues. Cosmetic procedures, like tail docking, and breeding costs are excluded.
Preventive care is only covered with add-ons. Non-medical items, like toys or leashes, aren’t reimbursable. Review the sample policy on the ASPCA website for a full list of exclusions.
Preventive Care Add-Ons
ASPCA offers two Preventive Care tiers: Basic and Prime. Basic covers $250 annually, including $20 for vaccines and $35 for dental cleanings. Prime covers up to $450, with $150 for spaying/neutering and $25 for heartworm tests.
These add-ons have no deductible or waiting period, reimbursing set amounts for listed services. They’re ideal for routine care but don’t cover non-listed services. Check the policy for specific coverage limits.
Customer Support and Telehealth
ASPCA Pet Health Insurance provides robust support through a 24/7 telehealth service via The Vet Connection, accessible through the Member Center. Call 1-866-204-6764 or email cservice@aspcapetinsurance.com for customer service, available seven days a week. The My Pet Insurance app simplifies claim submissions and account management.
Customer reviews praise prompt claim processing but note occasional app issues or claim denials for pre-existing conditions. The high Trustpilot rating (9.5/10) reflects improved satisfaction since 2016 plan updates.
Why Choose ASPCA Pet Health Insurance?
ASPCA Pet Health Insurance stands out for its customizable plans and short 14-day waiting period for all conditions, including cruciate ligaments. It covers unique services like alternative therapies and exam fees, unlike some competitors. The program supports the ASPCA’s mission through royalty fees, aiding animal welfare.
With no network restrictions, you can visit any licensed vet in the U.S. or Canada. Multi-pet discounts and a 30-day money-back guarantee add value. It’s a reliable choice for comprehensive pet care.
Tips for Managing Costs
Keeping ASPCA Pet Health Insurance affordable is possible with smart strategies. These tips help you maximize value:
- Choose a higher deductible to lower monthly premiums.
- Add Preventive Care only if routine services are needed yearly.
- Use the multi-pet discount for additional pets.
- Submit claims promptly via the app to speed up reimbursements.
Challenges and Considerations
Some customers report issues with claim denials, often due to pre-existing condition disputes. The Preventive Care add-on can be limiting, as caps per service may not cover full costs. The app occasionally has login or submission glitches, frustrating users.
Contact customer service to resolve issues, and clarify coverage for conditions before enrolling. Comparing plans with competitors like Embrace or Nationwide ensures you pick the best fit.
Summary
ASPCA Pet Health Insurance offers flexible, affordable coverage for dogs, cats, and horses, with plans like Complete Coverage and Accident-Only. Monthly premiums range from $20-$61, covering accidents, illnesses, and optional preventive care.
A 14-day waiting period and no upper age limit make it accessible, though pre-existing conditions are excluded. With 24/7 telehealth, a user-friendly app, and multi-pet discounts, ASPCA Pet Health Insurance provides reliable protection.
By customizing plans and managing claims carefully, pet owners can ensure their pets get quality care without breaking the budget.
FAQ
What does ASPCA Pet Health Insurance cover?
Complete Coverage includes accidents, illnesses, hereditary conditions, and behavioral issues. Preventive Care add-ons cover vaccines and spaying. Exam fees and alternative therapies are included.
How much does ASPCA Pet Health Insurance cost?
Premiums average $44-$61 for dogs and $22-$31 for cats monthly. Deductibles range from $100-$500, with 70%-90% reimbursement. Preventive Care add-ons cost $10-$25 extra.
Are pre-existing conditions covered?
No, pre-existing conditions are excluded, but curable ones may be covered after 180 days without symptoms. Knee and ligament issues are always excluded. Review the policy for details.
How do I file a claim with ASPCA Pet Health Insurance?
Submit a claim form and invoice via the app, email, fax, or mail within 270 days. Claims process in 30 days or less. Use any licensed vet for care.
Is there a waiting period for coverage?
Yes, a 14-day waiting period applies to accidents, illnesses, and orthopedic conditions. Preventive Care add-ons have no waiting period. Coverage starts immediately after approval.