ASPCA Pet Health Insurance is provided by Crum & Forster Pet Insurance Group™ through it's licensed agency, C&F Pet Insurance Agency, Inc. United States Fire Insurance Company, a Crum & Forster Company, has been the underwriter of the pet insurance products since 2006. In the past 20 years, through their insurance underwriters, they've insured more than 400,000 dogs and cats. The ASPCA® does not provide insurance.
ASPCA Pet Health Insurance is definitely worth looking into if you want pet insurance that stems from a company that cares. You can get the right plan at a price that's right for you with customizable plan options.
ASPCA Pet Health Insurance plans have coverage that allows pet owners to seek early treatment for their pets before a small issue becomes more serious. They also have coverage for the essential care a pet owner could want, such as hospitalizations, cancer treatment, diagnostic tests, accidents, illness, injuries, and prescriptions.
Pet owners will also be happy to know that they cover hereditary and chronic conditions.
As an optional add on, they also offer great wellness options for as low as $9.95 per month, which can include a dental cleaning, vaccines, flea & tick meds, coverage for spay/neutering and more.
As with any pet insurance company, there are a few things that are not covered with ASPCA Pet Health Insurance, namely:
The ASPCA Pet Health Insurance program realizes the value of providing quality pet insurance at affordable prices to ensure pets can receive the care they need when they need it, rather than having money dictate the health of a pet. They offer a good range of policies, deductibles, and limits. Their deductibles are set per year and can be chosen from $100, $250 and $500. Reimbursement percentage options can be in amounts of 70%, 80%, or 90%, and annual policy limits range from $5,000 to unlimited. Their lifetime limits are also unlimited. Below is a summary of benefits for the Complete Coverage℠ plan.
| Policy Coverages | |
|---|---|
| Deductible Type | Per Year |
| Deductible Options | $100 - $500 |
| Reimbursement Options | 70% - 90% |
| Policy Limit Options | $5,000 - Unlimited annually |
| Lifetime limits | Unlimited up to policy |
| Wellness Cover Cost | $9.95 - $24.95 per month |
| Accidents & Illnesses |  |
| Vet Exam Fees | |
| Rx Medications | |
| Emergency Visits | |
| Hospitalization | |
| Surgery | |
| Cancer Treatments | |
| Specialists | |
| Outpatient Care | |
| Alternative Therapies | |
| Waiting Periods | |
| Policy Coverage Starts | At midnight after sign up |
| Accidents | There is a 14 day waiting period for coverage |
| Illnesses | 14 days after policy starts* |
| Average Reimbursement Time | 14 days after claim |
As mentioned, ASPCA Pet Health Insurance plans have great choices of options for coverage, and here are 3 examples of how much you'll get back for a covered condition:
Your dog develops a kidney infection and the vet bill includes lab tests, one night stay for observation, and then expensive medicine to cure the infection. Total, covered costs $2,940. If you have a deductible of $100 and a reimbursement rate of 80%, you can expect to get back $2,272.
After taking your dog to the vet for a bad limp, it is determined she needs ACL surgery to fix a severe tear. The surgery plus the pain medicine after is going to cost $8,445. If you have a $250 deductible and 90% reimbursement, you will get back $7,375.
Your cat ingests a parasite that requires a 3 night stay at the pet hospital and a stomach pump that costs $5,675. Thankfully, with ASPCA Pet Health Insurance you have a $250 deductible and an 80% reimbursement rate, meaning you will get back $4,340.
Well as you may imagine, the cost of pet insurance depends on a few key variables: the breed of your pet, their age, and where you live. After that, it's down to you how much coverage you want, how big (or small) a deductible you want to pay and how much of a reimbursement (the amount you get back after the deductible is paid) you select.
To see all of ASPCA Pet Health Insurance's plan options, click here to compare pet insurance plans, but here are a couple of examples:
| Breed: Dalmatian |
| Age: 3 years |
| Zip code: 98260 |
| $10,000 coverage |
| $250 Deductible |
| 90% Reimbursement |
| Breed: Maine Coon Cat |
| Age: 1 year |
| Zip code: 98260 |
| $5,000 coverage |
| $100 Deductible |
| 80% Reimbursement |
Shopping for pet insurance policies can definitely be stressful. We've all heard horror stories of policies too good to be true, so it's a breath of fresh air to have an insurance company that truly wants to help and cares about the animals they serve . Here at Pet Insurer, we also love that there are no networks with ASPCA Pet Health Insurance - you can visit any licensed vet in the US, its territories and Canada with no issues - and they offer a 30-day money back guarantee (except in NY) if you aren't fully satisfied. An ASPCA Pet Health insurance plan is a big step in the right direction toward keeping your pet strong and healthy as long as possible.
