Aspca Pet Insurance: Is ASPCA Pet Health Insurance Worth Purchasing?

Pet insurance may not appear necessary at first glance. Still, when you have a furry friend to care for, the cost of veterinary care can quickly add up. What happens if you have to imagine the worst-case scenario of your cat or dog receiving a negative diagnosis? Consider the financial burden that would be associated with that treatment.

Nobody wants to be in a situation where they have to risk their pet’s life because they were unprepared for something like this. The ASPCA Pet Health Insurance program offers affordable plans for cats and dogs that can assist you in preparing for the unthinkable in case something happens.

The plans provide complete coverage, which will help cover treatment costs for car accidents, illnesses, behavioral issues, and hereditary diseases. These plans are entirely customizable based on your budget and your pet’s requirements; you can choose your deductibles, reimbursement percentages, and annual limit.

The ability to customize your pet’s insurance so that it works for you distinguishes the ASPCA Pet Health Insurance program from the rest of the competition.

How does ASPCA pet health insurance work?

It can be challenging to select a pet insurance plan appropriate for your pet and, more importantly, your budget. Some pet insurance providers’ policies are complicated, and it can be challenging to determine what coverage you need to receive.

You can find a comprehensive explanation of all the terms, practices, and coverage details associated with the ASPCA Pet Health Insurance program on their website. Still, you can find a simple and easy-to-understand explanation of everything they offer in this article.

Requesting a free pet insurance quote is the next step after you’ve taken the time to educate yourself on the subject and understand what it covers. When it comes to the ASPCA Pet Health Insurance program, there is a clear distinction between the two types of policies available.

You have either a Complete CoverageSM plan or an accident-only plan depending on your needs. The ‘Complete CoverageSM’ plan will assist you in covering the majority of your veterinarian’s visits and procedures.

An accident-only plan is activated in an emergency requiring immediate medical attention.

Furthermore, you can personalize your plan to accommodate reimbursements, deductibles, and other aspects of the budget you have. Suppose you prefer to pay a lower monthly rate in exchange for spending a little more money at the vet. You can arrange for this to occur. If you choose to put more cash down each month and only have to pay a small amount for your pet’s vet visits, that is something that can be arranged.

These plans make it simple to understand what you are getting yourself into and keep you from going bankrupt down the road.

What does the ASPCA do for animal welfare?

Since the beginning of time in North America, animal welfare organizations have collaborated with the American Society. It works for the Prevention of Cruelty to Animals (ASPCA) being the first. The Humane Society of the United States is now a leading advocate for animal welfare. It has more than 1 million supporters across the country.

As part of a strategic partnership with the American SPCA, C&F Insurance Agency, Inc. develops and administers ASPCA Pet Health Insurance plans. This organization is not an insurer and does not conduct business in the insurance industry. In exchange for their trademarks, the ASPCA receives a royalty fee from the company. It is not a charitable contribution on the part of the organization.

The Humane Society of the United States is now a leading advocate for animal welfare, with about more than one million supporters across the country. As part of a strategic partnership with the American SPCA, C&F Insurance Agency, Inc. develops and administers ASPCA Pet Health Insurance plans.

Should I consider ASPCA pet health insurance?

The ASPCA’s Pet Health Insurance program is truly remarkable. Suppose you’re looking for plans that are both affordable and simple to understand. In that case, you should strongly consider ASPCA Pet Health Insurance.

With ASPCA, you can completely customize your coverage plan to meet your needs. Furthermore, it is not that difficult. You can obtain a free quote in a matter of minutes. Compared to most other pet insurance providers, filing a claim with ASPCA Pet Health Insurance is much simpler.

The mobile phone application makes it extremely simple and quick to get reimbursed for covered medical expenses, which is highly convenient. You can carry out your research and look into the consumer reviews of their product or services. You’ll be amazed to find that the reviews are overwhelmingly positive.

The American SPCA Pet Health Insurance is a real winner in the pet insurance market. You should look into their plans and get a quote to see whether or not it is helpful for you and your furry friend.

Why choose ASPCA?

Suppose you are a pet parent. Unfortunately, you own a pet breed with severe and expensive health problems such as hip dysplasia, atopic dermatitis, or cataracts. In that case, you might have to pay now and then to save your pet’s life.

But what if you do not have enough to afford constant visits to a vet? ASPCA Pet Insurance — one of the best pet insurance companies — is recommended by those who tried it. It is the best insurer for hereditary and congenital conditions.

The ASPCA requires only a 14-day waiting period before pets are eligible for coverage for those ailments — a significantly shorter period than most insurance companies need. The ASPCA will also cover hereditary and congenital problems in new enrollees regardless of their age at the time of enrollment, unlike some other insurers who impose an age limit.

Who underwrites ASPCA pet insurance?

In 2006, the American Society for the Prevention of Cruelty to Animals (ASPCA) partnered with Hartville Pet Insurance to sell pet policies through a licensing agreement.

As of 2017, Hartville was renamed Crum & Forster, which is now responsible for serving as the ASPCA’s policy administrator. The United States Fire Insurance Company is responsible for underwriting the plans.

What’s it like filing a claim with ASPCA?

The ASPCA Pet Health Insurance plans allow you to select your veterinarian. That’s a massive deal for pet parents. Having a care team that you can rely on can make all the difference in the world.

Okay, you go to the veterinarian, receive the necessary care, and pay the bill. However, the next step is genuinely groundbreaking; it is a mobile app that you can use in the veterinarian’s office. After that, you submit your claim through the app. You can set up direct deposit so that, within a few days of filing a claim, your money deposits directly into a bank account of your choice.

It saves you time and money. It’s swift, convenient, and simple to complete. If you have any questions at any point along the way, you can contact ASPCA Pet Health Insurance for assistance. You can get help through the app or contact customer service by telephone.

Does ASPCA pet health insurance have a good record?

Their history dates back to 1997 when they processed more than 1.6 million claims. Furthermore, they have provided coverage for the medical needs of over 400,000 cats and dogs.

They are also a North American Pet Health Insurance Association member, which provides pet health insurance. Try to look at their customer reviews if you want to do additional research. The company has received over 1,200 reviews on Trustpilot, earning a 5-star rating out of 5-stars. That is an awe-inspiring track record.

Consumers appreciate how convenient and dependable the ASPCA Pet Health Insurance coverage is for them.

ASPCA pet health insurance vs. AKC

ASPCA and AKC are both animal-related organizations that have partnered with insurance companies to provide pet insurance policies to their respective memberships. We looked at each company’s competing accident and illness plans to compare coverage.

The ASPCA’s premiums were found to be $10 higher each month for nearly identical coverage for the same animal, demonstrating the importance of comparing insurance quotes from multiple providers. On the other hand, your selection may be higher (or lower) depending on where you live.

However, suppose you’re looking to add wellness benefits to your insurance policy. In that case, the ASPCA may be the best option for you to consider. ASPCA preventive care riders cost approximately $10 to $25 per month. Still, you’ll have to add $16 to $27 per month to your policy to match the coverage provided by the AKC.

What are the available plans with ASPCA?

The ASPCA offers two types of pet health insurance policies for dogs and cats: one that covers only accidents and one that covers both accidents and illnesses. ASPCA’s accident-only coverage is limited to injuries resulting from an accident, such as those caused by an animal bite or ingestion of an unwanted object.

The complete coverage plan includes the provider’s accident and illness options, including everything covered by the accident-only plan and coverage for most commonly encountered illnesses.

Two different plans also cover horses. Colic + Accidents is a policy that covers abdominal conditions and accident-related injuries. The Colic + Accidents + Illnesses plan, the most expensive option, includes treatments for diseases such as cancer and hereditary disorders.

Apart from dogs and cats, horses are also eligible for the same optional wellness riders. You can add them to any of the above plans to provide additional preventive care benefits to the animals. There are two options available, each with a different level of coverage for specific wellness services.

ASPCA Pet Insurance offers a variety of coverage options, including:

1- Only dogs and cats are covered in the event of an accident.

2- Accident-only plans are less expensive than plans covering both accidents and illnesses.

ASPCA Accident-Only plan

The ASPCA Pet Insurance accident-only plan, designed to cover sudden and unexpected injuries, will cover the costs of diagnosing and treating damages resulting from accidents, such as broken bones, tooth extractions, and surgical procedures. There is a 14-day waiting period before covering any injuries under the policy.

You can select a deductible ranging from $100 to $500, as well as a reimbursement level ranging from 70 percent to 80 percent or even 90 percent. Depending on your state, there may be a limit on the number of benefits you can receive each year. However, some states allow you to choose a benefit limit between $3,000 and $10,000. Some states also allow you to select an unlimited annual benefit limit.

Coverage is provided for both dogs and cats

They cover accidents as well as illnesses under the Complete Coverage plan. Treatment for behavioral issues, cancer, and other chronic conditions is all covered under this plan. Like the accident-only plan, the Complete Coverage plan has a 14-day waiting period before coverage begins.

You can select a deductible ranging from $100 to $500, as well as a reimbursement level ranging from 70 percent to 80 percent or even 90 percent.

Some states have annual benefit limits, whereas others have benefit options that are virtually limitless in scope.

Prevention is the best medicine for both dogs and cats

Adding a preventative care plan to your policy will allow you to receive insurance coverage, including preventive care such as dental cleanings and immunizations.

What are the pros and cons of ASPCA insurance plans?

Following are the pros and cons of ASPCA insurance plans:

A standout for hereditary and congenital diseases

Pet insurance companies often do not cover the treatment of common hereditary or congenital conditions, such as cruciate ligament issues. It is only covered if the pet enrolls before a certain age.

The ASPCA Pet Insurance program covers all these conditions, even if the pet is healthy before enrolling in the program or during the waiting period. In addition, the waiting period is only 14 days, which is significantly shorter than the waiting period required by other companies for illnesses and knee or ligament conditions, respectively.

They cover Curable pre-existing conditions to a large extent

Most insurance companies will cover treatment for a condition that occurred before enrollment as long as the pet remains symptom-free for at least one year. The ASPCA will do so even if the period is only half as long as that — 180 days. Only knee and ligament conditions are exempt from this rule.

ASPCA Plans include microchipping as a standard feature

Pet insurance companies do not cover microchipping your pet unless you offer a benefit within a separate wellness policy. ASPCA Pet Insurance provides coverage for veterinarian-assisted microchip implantations in both the Complete Coverage and Accident-Only plans.

No upper age limit for enrollment of pets

Older pets can be difficult to insure, and finding an insurance company that will cover them can be difficult. Some companies have a maximum age limit as low as ten years. However, as ASPCA Pet Insurance has no upper age limit, you can get complete accident and illness coverage for your old dog or cat.

Coverage for stem cell therapy is available

Stem cell therapy is becoming increasingly popular in treating osteoarthritis and kidney disease conditions. Even though many insurers still exclude stem cell therapies, they cover them as an eligible expense under both the Complete Coverage and Accident-Only plans.

Cons of ASPCA insurance plans

It is expensive to receive medical treatment (which can top thousands of dollars). Unlike some companies, which offer direct payment options or processing within a few days, the ASPCA Pet Insurance reports that its typical processing time is 30 to 40 days.

If you pay every month, there is a transaction fee.

You have the option of paying for your plan on a monthly or annual basis with ASPCA Pet Insurance. You are charged, depending on your location, an additional monthly transaction fee if you make monthly payments.

There are some areas of the website that are difficult to navigate. A complicated website to navigate and some information that is difficult to find on the ASPCA Pet Insurance website; consider that the company offers insurance for horses and wellness plans for dogs. Still, those policies aren’t readily visible in the navigation bar on the company’s homepage.

The ASPCA’s expenses

A survey of pet insurance costs for 2020 compares ASPCA’s prices to those of its competitors included in the study. They found that ASPCA’s prices were on the lower end of the range of plans we reviewed. On the whole, we found that its premiums for accident and wellness insurance were lower than the national average.

Several different breeds of dogs and cats were asked for quotes at various ages so customers could get an idea about what to expect with its premiums.

For a Complete Coverage Plan, the prices listed below are for a pet owner in Orlando, Florida. We decided on an 80 percent reimbursement level, a $5,000 annual benefit limit, and a $500 deductible as our parameters. Costs of insurance plans may differ depending on the age, breed, and species of your pet, as well as your geographic location.


Like most pet insurers, the ASPCA Pet Insurance company offers a discount to policyholders who add multiple pets to their policy. On the other hand, the value is more generous than that provided by many different companies; for example, a 5 percent discount is standard. ASPCA Pet Insurance offers a 10 percent discount for multiple pets.

The ASPCA Pet Insurance program collaborates with some employers to provide pet insurance as a voluntary group benefit to employees. Suppose your company has a partnership with ASPCA Pet Insurance. In that case, you may be eligible for a discount of up to 10% on your pet insurance policy. The value is used with the 10 percent discount for multiple pets.

Despite its name, the American Society for the Prevention of Cruelty to Animals (ASPCA), a non-profit organization, does not operate or affiliated with ASPCA Pet Insurance. Instead, policies are sold by Crum & Forster Pet Insurance Group, which is a for-profit corporation. Crum & Forster sells its insurance policies under the American Society for the Prevention of Cruelty to Animals (ASPCA).

How do I contact the ASPCA pet health insurance program?

You can reach out to them through their official website. Customer service for the ASPCA Pet Health Insurance program can be reached through several phone numbers.

They accept inquiries via email and fax, and they have separate contact channels for veterinary staff, media professionals, and sales inquiries, among other things.

ASPCA’s services and plans can be reached out only Monday through Friday from 9:00 AM to 6:00 PM according to Eastern Standard Time are representatives available to assist you. Customer service is accessible through email or phone at the following addresses:

Toll-free number: 866-204-6764

Contact us by email at

The User’s Perspective

After purchasing a policy, you can log into the ASPCA Pet Insurance website and create an online account for your pet. You can download forms, make payments, add pets, and submit claim submissions using your login credentials.


To recapitulate, you are probably already aware of how expensive veterinary care for your pet can be, especially in the case of severe injury or illness. While other pet insurance companies do not cover all hereditary and congenital conditions, ASPCA Pet Insurance does, even for senior dogs and cats.

There are some disadvantages to ASPCA Pet Insurance. Not all policy information is readily available on its website, which is not intuitive. However, ASPCA Pet Insurance is an excellent value in general, as it offers a variety of coverage options and discounts.

Before enrolling your pet in ASPCA Pet Insurance or any other company, carefully read the policy documents. Ensure you understand all the exclusions and restrictions that apply to your particular situation.

Charles Bains

Charles Bains

Charles Bains started his insurance career as a marketing intern before pounding the pavement as a commercial lines agent in Orlando, FL. As an industry journalist, his articles have appeared in a variety of trade publications. His insurance television career, short-lived but glorious, once saw him serve as the expert adviser on an insurance-themed infomercial (yes, you read that correctly). Having recently worked for various organizations, coupled with his broader insurance knowledge, Charles is able to understand our client’s needs and guide them accordingly. He is a gem for Insurance Noon as his wide area of expertise and experience have been beneficial in conducting further researches to come up with solutions and writing them in a manner which is easy for everyone including beginners to comprehend.

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