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Founded in 1997, ASPCA Pet Health Insurance is one of the oldest and most trusted pet insurance companies in the US. A partner to the American Society for the Prevention of Cruelty to Animals, ASPCA Pet Health Insurance offers comprehensive plans, customizable coverage, and some perks that other pet insurance companies don’t provide.
Like all pet insurance, ASPCA Pet Health Insurance has its pros and cons. Here’s an in-depth review to help you decide if it’s the right insurance for your pet.
Pros And Cons Of ASPCA Pet Health Insurance
Pros
- Comprehensive coverage: ASPCA covers a wide range of conditions and treatments, including many items not covered by other insurance companies like microchipping and prescription food.
- Customizable plans: ASCPA offers multiple plans including accident-only, accident and illness, and preventative care. You can also choose your annual limit, deductible, and reimbursement rate.
- No upper age limits on coverage: Pets of all ages are covered and ASPCA will not cancel coverage once your pet reaches a certain age like some other insurers do.
- No extended waiting periods: ASPCA does not have extended waiting periods for orthopedic conditions like some providers do.
- Access to veterinary telehealth: Policyholders have access to ASPCA’s 24/7 Vet Helpline for medical questions about their pet.
Cons
- Some states may have limited annual coverage: Policyholders in some states may have a $10,000 annual limit, this can max out quickly with one pet emergency.
- 14-day accident waiting period: ASPCA’s 14-day waiting period for accident coverage is considerably longer than many other top pet insurance companies, most fall between 2 to 5 days.
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ASPCA Pet Insurance Plans
ASPCA offers pet insurance plans for dogs and cats with the following coverage options:
Complete Coverage (Accident and Illness Plan)
The Complete Coverage plan by ASPCA provides coverage for your pet’s medical expenses related to accidents and illnesses. It’s one of the most comprehensive plans on the market.
This plan covers injuries like broken bones, hit-by-car accidents, and wounds. It also covers illnesses like infections, cancer, diabetes, autoimmune disorders, and more.
Covered costs include diagnostics, lab work, treatments, hospitalizations, surgeries, rehabilitation, periodontal treatment, behavioral treatment, prescription food, supplements, and more. As an added bonus, this plan also covers microchipping your pet.
Accident-Only Plan
This lower-cost option provides coverage for your pet’s medical expenses strictly due to accidents and does not cover illnesses.
This includes things like broken bones, trauma, falls, hit-by-car accidents, burns, wounds, toxic ingestions, and more.
Covered costs include diagnostics, lab work, treatments, hospitalizations, surgeries, rehabilitation, and more.
Preventive Care
ASPCA offers a preventative care add-on that covers items like wellness exams, vaccines, spays and neuters, dental cleanings, parasite screening, routine blood work, and more.
State Availability
ASPCA Pet Health Insurance is available in all 50 US states and the District of Columbia.
What Doesn’t ASPCA Pet Insurance Cover?
Like all pet insurance plans, ASPCA has exclusions:
- Preexisting conditions: Any medical problems your pet had prior to enrollment.
- Illnesses or injuries during the waiting period: Similar to preexisting conditions, any illness or injury sustained during the waiting period will be excluded from coverage.
- Experimental treatments: Any treatments that are considered investigational, experimental, or beyond the standard scope of care in veterinary medicine like non-FDA approved medications or clinical trial treatments.
- Breeding costs: Any veterinary expenses related to breeding your pet such as ultrasounds, c-sections, and birthing care.
ASPCA Waiting Periods For Coverage
Pet insurance coverage doesn’t kick in until after a specific period of time. This is known as the waiting period.
Waiting periods for ASPCA are:
- 14 days for accidents
- 14 days for illnesses
- 0 for preventative care
The most notable item here is ASPCA’s 14-day accident waiting period. This is longer than most other insurers that typically have a 2 to 5-day accident waiting period.
While ASPCA may have a longer accident waiting period, they also notably do not impose an extended waiting period on orthopedic conditions as some other providers do.
How Much Does Coverage Cost?
Like all pet insurance, your monthly premium for an ASPCA plan will vary based on several factors including your pet’s age, breed, sex, and location.
Here’s a breakdown from one study on pet insurance quotes for Dallas, a populated Texas city.
| Accident Only | Accident + Illness Plan | |
|---|---|---|
| Labrador Retriever | ||
| 8-week-old puppy | $29.96 | $54.44 |
| 5-year-old | $29.96 | $70.64 |
| Senior | $29.96 | $120.94 |
| French Bulldog | ||
| 8-week-old puppy | $29.96 | $73.89 |
| 5-year-old | $29.96 | $95.88 |
| Senior | $29.96 | $130.45 |
| Golden Retriever | ||
| 8-week-old puppy | $29.96 | $54.44 |
| 5-year-old | $29.96 | $70.64 |
| Senior | $29.96 | $120.94 |
| German Shepherd | ||
| 8-week-old puppy | $29.96 | $45.75 |
| 5-year-old | $29.96 | $59.37 |
| Senior | $29.96 | $80.77 |
| Poodle | ||
| 8-week-old puppy | $29.96 | $39.96 |
| 5-year-old | $29.96 | $51.85 |
| Senior | $29.96 | $88.76 |
| Exotic Shorthair Cat | ||
| 8-week-old kitten | $16.92 | $30.21 |
| 5-year-old | $16.92 | $33.95 |
| Senior | $16.92 | $95.74 |
Other Factors Determining Cost
ASPCA offers customizable coverage with multiple options for choosing your annual coverage limit, deductible, and reimbursement rate.
Annual Limit
This is the most your pet insurance will reimburse you for the year. Once you reach your annual limit, you’ll pay out-of-pocket for any remaining vet bills until your renewal date. The higher the annual limit, the higher your monthly premiums can be.
ASPCA offers the following annual limit options:
- $3,000
- $4,000
- $5,000
- $7,000
- $10,000
- Unlimited (may only be available in some states)
Deductible
This is the amount you must pay out-of-pocket for your pet’s veterinary expenses before you are eligible for reimbursements.
ASPCA offers the following deductible options:
- $100
- $250
- $500
Reimbursement
This is the percentage of your veterinary bills the insurance will pay after the deductible has been met.
ASPCA offers the following reimbursement options:
- 70%
- 80%
- 90%
Possible Discounts
- 10% multi-pet discount for insuring more than one pet
- 10% discount for ASPCA employees
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Frequently Asked Questions (FAQs)
Does ASPCA Offer A Wellness Plan?
ASPCA offers a preventative care add-on that covers annual exams, vaccines, spay and neuter procedures, dental cleanings, parasite screening, blood work, and more.
Does ASPCA Cover Pre-existing Conditions?
Like all pet insurance, ASPCA does not cover preexisting conditions. A medical records review and/or veterinary check-up may be required in order to complete the enrollment process.
Does ASPCA Cover Dental Cleaning?
ASPCA covers routine dental cleanings under the preventative care add-on. Advanced cleanings needed for periodontal treatment are covered in the Accident and Illness Plan.
Does ASPCA Have Any Coverage Limits?
ASPCA’s annual coverage limits may vary by state with some reports showing an annual limit of $10,000 and others mentioning unlimited. To find out what annual limit options you may be eligible for, complete a custom quote on the ASPCA Pet Health Insurance website.
How Do I File A Claim With ASPCA?
You can file a claim with ASPCA by submitting a digital claim online, downloading the ASPCA app, or sending an email or fax.
How Long Does It Take ASPCA To Pay Out?
Most ASPCA claims are processed within 30 days. Once processed, payout may be instant if you have direct deposit or take a few days if you receive checks by mail. You can track the progress of your claim online or through the ASPCA app.
How Can I Cancel A Policy From ASPCA?
You can cancel your pet insurance policy with ASPCA at any time by calling their customer service line or by sending an email request.
Does ASPCA Cover Spaying And Neutering?
Spaying and neutering are only covered under ASPCA’s preventative care add-on.
Does ASPCA Cover Euthanasia?
Euthanasia is covered by the standard accident and illness plan.
Does ASPCA Cover Hip Dysplasia?
Hip dysplasia is covered under the accident and illness plan as long as there were no symptoms of it prior to the beginning of coverage (preexisting condition).
Is ASPCA Accepted By Every Vet?
ASCPA’s pet insurance plans operate based on a reimbursement model so there are no in-network or out-of-network vets to worry about. Your pet can be treated by any licensed veterinarian and their covered medical costs will be reimbursed.
Does ASPCA Pay The Vet Directly?
ASPCA does not offer a traditional direct-to-vet payment option but they do partner with a virtual credit provider, Go Fetch Pay, for emergencies.
Policyholders can have the option of a $10,000 line of credit to use for veterinary services with no interest for 45 days (while you wait for insurance reimbursement).
ASPCA operates on a standard reimbursement model. You’ll pay your veterinary bills upfront, file a claim, and the insurance will reimburse you.
Find out more
- Pet Insurance for Pre-existing Conditions – Understand your options with ASPCA for pets with a medical history.
- Embrace Review – Compare Embrace’s offerings with ASPCA’s insurance plans.
- Fetch by The Dodo Review – See how Fetch’s services stack up against ASPCA.
- Nationwide Review – Evaluate Nationwide’s pet insurance in comparison to ASPCA.
- Healthy Paws Pet Insurance Review – Check out another popular option and how it fares against ASPCA.
- Pets Best Review – Discover more about Pets Best and their competitive features.
- Spot Review – Learn about Spot’s insurance plans and benefits.
- Trupanion Review – Find out if Trupanion might be a better fit for your pet’s needs.
