ASPCA Pet Insurance Review

Proven, budget-friendly protection for your animal companions

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ASPCA Pet Insurance

ASPCA Pet Insurance

overall rating
4.0

Our Take

If you’re looking for a minimum-coverage pet insurance policy with low monthly premiums, the ASPCA might have exactly what you need.

  • Pros and Cons
  • Key Takeaways
  • Key Facts
Pros and Cons
Pros
  • Covers cats, dogs, and horses

  • Use any veterinarian

  • Provider comparison tool

  • Options for accident, illness, and wellness coverage

Cons
  • Scheduled wellness benefits

  • Administered and underwritten by third parties

Key Takeaways
  • The ASPCA’s plans are administered by Crum & Forster and underwritten by the United States Fire Insurance Company.
  • Policies are geared toward pet owners looking for lower levels of coverage than average pet insurance policies.
  • Accident and illness benefits each offer a flat annual limit for all covered services, while optional wellness benefits are reimbursed on a per-treatment basis.
Key Facts
  • Year Founded 1866
  • Waiting Period 14 days
  • Deductible $100 to $500
  • Customer Service Forms Phone, email, app
  • Customer Service Telephone (888) 716-1203
  • Company Website https://www.aspcapetinsurance.com/
Top Rated For

Every pet insurer offers different benefits and terms designed to meet the vastly different needs of each pet. The ASPCA’s plans provide a unique balance of full benefit options with lower policy limits that keep premiums affordable. These policies are ideal for pet owners who don’t need much coverage and don’t want to pay for services they won’t use.

Company Overview

The American Society for the Prevention of Cruelty to Animals, or the ASPCA, is a humane society based in the United States. The organization was founded in 1866 and primarily acts as a voice for animal welfare. In 2006, the ASPCA partnered with Hartville Pet Insurance to begin selling pet policies through a licensing agreement. Hartville was rebranded as Crum & Forster in 2017, which now acts as the ASPCA policy administrator. Plans are underwritten by the United States Fire Insurance Company.

Pros Explained

  • Covers cats, dogs, and horses: The ASPCA is one of the few pet insurers to offer policies for horses.
  • Use any veterinarian: Policy benefits can be used at any licensed vet in the U.S. and Canada.
  • Provider comparison tool: Not sure if the ASPCA is the best choice? The provider’s website offers a free tool that compares ASPCA policies to 10 different competitors.
  • Options for accident, illness, and wellness coverage: The ASPCA’s straightforward plans can be customized to match the type of benefits you’re looking for.

Cons Explained

  • Scheduled wellness benefits: The ASPCA’s two preventive care riders both cover specific benefits on an itemized basis. Some competitors offer policies with a single all-inclusive annual limit for wellness.
  • Administered and underwritten by third parties: The ASPCA has very little control over its pet policies. Plans are administered by Crum & Forster and underwritten by the United States Fire Insurance Company.

Available Plans

The ASPCA’s pet insurance options for dogs and cats consist of one accident-only policy and one accident and illness policy. Its Accident-Only Coverage is exclusively for injuries that result from an accident, such as an animal bite or ingestion of a foreign object. Complete Coverage, the provider’s accident and illness option, covers everything included in the accident-only plan in addition to most illnesses that might commonly arise.

There are also two plans for horses. Colic + Accidents covers abdominal conditions and accident-related injuries. The higher-end plan, Colic + Accidents + Illnesses, adds treatments for diseases like cancer and hereditary conditions.

Our Expert Lisa Says

Unlimited policies are entirely unavailable for purchase from the ASPCA, so pet parents that are looking for fuller coverage will need to check out other options.

Dogs, cats, and horses are all eligible for the same optional wellness riders, which supplement any of the above plans with preventive care benefits. There are two choices that offer varying levels of coverage for specific wellness services; the exact limits and treatments vary by animal.

The table below outlines the benefits included in ASPCA’s various policies for cats and dogs.

Covered Treatment Accident-only Coverage* Complete Coverage Optional Preventive Coverage
Exam fees  
Procedures  
Lab tests  
Medication  
Continued treatment  
Genetic conditions    
Preventive care    
Microchipping    
Spay/neuter surgery    
Vaccinations    
Dental treatment    
Behavioral treatment    
Specialists  
Alternative/holistic care  
Medical boarding  
Cremation/burial  

*Only covered when resulting from an accident.

Plan Pricing

Monthly premiums are on the lower end of the spectrum, making ASPCA policies ideal for pet owners on a budget. Keep in mind that the ASPCA’s plan benefits are lower than competitors; for example, the cheapest policies have annual limits of just $3,000, and the most expensive ones max out at $10,000 per year. However, those who only want to spend a few dollars a month on basic protection for veterinary emergencies are likely to find something within their price range.

  Accident-only coverage Complete Coverage Optional preventive coverage
Dog: 1 year $13.94 to $33.20 $23.16 to $60.09 $9.95 to $24.95
Dog: 3 year $13.94 to $33.20 $24.81 to $64.38 $9.95 to $24.95
Dog: 6 year $13.94 to $33.20 $33.09 to $85.84 $9.95 to $24.95
Dog: 12 year $13.94 to $33.20 $74.44 to $193.13 $9.95 to $24.95
Cat: 1 year $9.87 to $22.26 $13.11 to $35.58 $9.95 to $24.95
Cat: 3 year $9.87 to $22.26 $13.11 to $35.58 $9.95 to $24.95
Cat: 6 year $9.87 to $22.26 $17.48 to $47.44 $9.95 to $24.95
Cat: 12 year $9.87 to $22.26 $38.25 to $103.78 $9.95 to $24.95

Waiting Periods

All applicable treatments related to accidents and illnesses are covered after a 14-day waiting period. Anything that occurs within these first two weeks won’t be paid for by the policy benefits. Many other pet insurers impose waiting periods around two days for accidents, which is significantly shorter.

However, most competitors also typically extend waiting periods to six months to a year for certain conditions that affect joints and ligaments. The ASPCA honors its 14-day waiting period for these conditions in all covered species.

Pre-Existing Conditions

There is no pre-existing condition coverage with the ASPCA, which is standard for pet insurers. Since any injury or illness that appears during a waiting period is considered a pre-existing condition, orthopedic issues are eligible for coverage through the ASPCA months earlier than competing policies that extend waiting periods for those conditions.

Coverage Limits

ASPCA offers lower policy limits than average, which means premiums are also lower. Annual limits start at $3,000 for all eligible animals. They go up to $7,000 for horses and $10,000 for dogs and cats.

One potential downside is that unlimited policies are entirely unavailable for purchase from the ASPCA, so pet parents that are looking for fuller coverage will need to check out other options.

Plan Exclusions

The list of exclusions is fairly short for dog and cat policies. Treatments like organ transplants, cosmetic procedures, and non-veterinary services aren’t covered, all of which are commonly listed as ineligible under pet insurance policies.

There are a few additional exclusions for horses. Alternative and behavioral therapies, for example, are covered under dog and cat policies but excluded from equine benefits. Horse policies also won’t cover arthritis, hoof trimming, or farm visit fees.

Expert Tip

Wellness benefits from the ASPCA are scheduled, and the specific benefits included in each depend on the species. Make sure you read the list of covered services before purchasing.

Claims

The ASPCA offers many convenient ways to file claims. Use any device to submit claims electronically, either with the free My Pet Insurance smartphone app or via the ASPCA pet insurance website. You also have the option of filling out a printer-friendly claim form and sending it in by email, fax, or postal mail.

Once a claim has been submitted electronically, you can track its status through the My Pet Insurance app or the account manager found on the ASPCA’s website.

Our Expert Lisa Says

Use any device to submit claims electronically, either with the free My Pet Insurance smartphone app or via the ASPCA pet insurance website.

Customer Service

There are several ways to get in touch with the ASPCA regarding your pet insurance policy. Traditional methods like phone and email are available, although phone staffing is limited to business hours. There’s also a contact form in the My Pet Insurance app for those who decide to install and use it.

Third-Party Ratings

Since the ASPCA isn’t an insurance company, its policies are administered by Crum & Forster and underwritten by the United States Fire Insurance Company. Crum & Forster has an A+ rating with the Better Business Bureau (BBB) due to failure to respond to a customer complaint. Unfortunately, few details are publicly available to better explain why complaints have been filed.

The United States Fire Insurance Company receives an A financial stability rating from AM Best, the third-highest possible category. This rating has been held by the insurer since 2005.

Expert Tip

Sometimes, pet insurance policies are administered and/or underwritten by other companies from the one advertising the plan. This is usually disclosed at the bottom of the provider’s website.

Competition: ASPCA vs. AKC

The ASPCA and the AKC are both animal-related organizations that have partnered with insurance companies to offer pet policies. To compare coverage, we looked at competing accident and illness plans offered by each. The ASPCA’s premiums were 10 dollars higher each month for nearly identical coverage, which just illustrates the importance of shopping around for insurance quotes.

With that said, if you’re looking to add wellness benefits to your policy, the ASPCA may be the winner. Preventive care riders cost approximately $10 to $25 per month with the ASPCA, but you’ll have to add $17 to $29 per month to your policy to match coverage from the AKC.

  ASPCA AKC
Animals Covered Dogs, cats, and horses Dogs and cats
Example Cost $27.10 to insure a two-year-old dog with 70% coverage, a $5,000 annual limit, and a $500 deductible $17.20 to insure a two-year-old dog with 70% coverage, a $5,000 annual limit, and a $500 deductible
Coverage Type Accident and illness Accident and illness
Waiting Period

Injuries: 14 days;

Illnesses: 14 days

Injuries: Two days;

Illnesses: 14 days

Network Size Unlimited Unlimited
Final Verdict

The ASPCA’s pet policies offered through Crum & Forster are ideal for animal owners on a budget. Annual limits run through the low to middle range compared to industry norms, so if you’re looking for a policy with unlimited benefits, this is not the provider for you. The ASPCA’s accident and illness premiums tend to run higher while preventive care is cheaper, so it’s important to compare quotes based on the specific type of coverage you need for your dog, cat, or horse.

Methodology

We compare many different aspects of pet insurance to bring you the most accurate and unbiased reviews possible. Our methodology for reviewing pet insurance includes gathering quotes from insurers and comparing pricing and benefits. We also look at eligibility based on age, species, and pre-existing conditions. Finally, we consider any potential exclusions or limitations that are important for pet owners to know about before signing up.