Overview

ASPCA provides flexible pet insurance for dogs and cats with fully customizable annual plans. Where some pet insurance companies fall short by not including routine health care for pets, ASPCA offers comprehensive coverage including anything from routine exams to emergency treatment.

Many may know of the ASPCA (American Society for the Prevention of Cruelty to Animals) already, but what you might not realize is that this pet insurance only carries the brand name. In fact, the pet insurance agency Crum & Forster and its arm company, Hartville, actually ASPCA pet insurance. The company pays a fee to use the mark, but isn’t actually run by the ASPCA. The company started running as a pet insurance company back in 1997.

Policies

Overall, ASPCA pet insurance stands out for offering a range of coverage options including both routine and emergency treatments. With ASPCA, customers get comprehensive pet insurance covering exams, diagnostics, hospitalization, injuries and illnesses, cancer, hereditary conditions, behavioral issues, and dental disease. Because ASPCA has such broad coverage, customers may end up paying a bit extra for their pet insurance costs. Still, this may be worth it as it will prevent from paying expensive vet bills out of pocket later on.

Limitations

Although ASPCA pet insurance offers a fair amount of important coverage, their plans do not cover pre-existing conditions, cosmetic procedures, and breeding costs. That being said, the things not included in the coverage usually don’t apply to all pet owners. ASPCA will cover dogs and cats 8 weeks old and up and does not have a limitation on the pet’s age.

ASPCA pet insurance does have some limitations in terms of waiting periods. Accidents have no waiting periods, however, illnesses, cruciate ligaments, and hip dysplasia all have 14-day waiting periods. ASPCA does not have any annual limit or deductible for preventative care coverage.

Cost

ASPCA pet insurance has customized plans to meet the needs of different budgets, breeds, and pets. Customers can choose their deductible from $100, $250, or $500. ASPCA also has different options for reimbursement percentages between 70%, 80%, and 90%. Its coverage ranges from $2,500 to unlimited.

Rates will vary depending on the animal, location, and the selected plan. For example, a two-year-old male labrador in Iowa will cost $49.70 per month with an 80% reimbursement level, $250 annual deductible, and $10,000 annual maximum. Meanwhile, an eight-year-old female golden retriever in Illinois will cost $69.35 per month with a 70% reimbursement level, $500 annual deductible, and $5,000 annual maximum. For cat owners, a two-year-old mixed breed cat in Ohio will cost $25.95 per month with an 80% reimbursement, $250 annual deductible, and $20,000 annual maximum.

Customer Support

Whether your furry friend is a dog or a cat, ASPCA pet insurance promises reliable coverage with quality customer service. Bearing the mark of such a well-reputed organization means you can expect a higher level of insurance, even if not directly run by the ASPCA.