ASPCA pet Insurance Review & Ratings (2024)
Get peace of mind knowing your furry companion is covered with ASPCA Pet Insurance. Read user ratings and reviews to make an informed decision. Compare quotes from leading providers in your area and choose the plan that fits your pet's needs and your budget.
Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Sep 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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ASPCA pet Insurance
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
A+Complaint Level:
LowPros
- Comprehensive Coverage Options
- Positive Customer Reviews
- Trusted Brand
- User-Friendly Mobile App
Cons
- Cost
- Waiting Period
- Limited Coverage for Routine Checkups
- Exclusions for Preexisting Conditions
- Not the Cheapest Option
Pet insurance is an investment in the longevity of your beloved pet companion. For as much joy as they provide to your life, pet insurance can help you take care of them.
If you want to see ASPCA pet insurance quotes, you should still shop around to find the best rates possible. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool.
What You Should Know About ASPCA pet Insurance
Welcome to our comprehensive guide on ASPCA pet insurance. In this article, we will delve into the details of ASPCA pet insurance, including its coverage, benefits, and cost. We’ll explore topics such as accident and illness coverage, wellness add-ons, reimbursement options, and more. Whether you have a cat, dog, or horse, ASPCA offers tailored insurance plans to safeguard your pet’s health and your peace of mind.
- The ASPCA is partnered with the Animal Society for the Prevention of Cruelty to Animals and provides insurance through Crum & Forster
- You can find standard coverage for dogs and cats, but the ASPCA also provides for horses
- The ASPCA has Accident-Only and Complete Coverage plans, as well as a Wellness add-on
- Pet insurance can help you take care of your pets through expensive surgeries, although the ASPCA doesn’t offer dental coverage in its standard plan
To ensure you make an informed decision and find the best insurance rates, we invite you to enter your ZIP code below and compare quotes from the top insurance providers in your area. Don’t miss out on the opportunity to protect your furry friend with ASPCA pet insurance.
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What is ASPCA pet insurance?
The ASPCA takes its name from the American Society for the Prevention of Cruelty to Animals. When you purchase a plan from the ASPCA, your insurance is actually created by United States Fire Insurance Company and managed by Crum & Forster.
However, don’t let that deter you. Crum & Forster is one of the oldest pet insurance companies in the United States and has an excellent reputation.
Like most pet insurance plans on the market, the ASPCA covers cats and dogs. They also offer coverage for horses, which can be difficult to find with other companies.
With ASPCA, you can choose either a complete coverage plan or an accident-only plan, which would help if your pet is ever injured unexpectedly. When you sign up for a plan, you’ll get to choose reimbursement percentages, deductibles, and annual limits.
Read more: Best Business Insurance for Dog Walkers
How does ASPCA pet insurance work?
Unlike health insurance for people, you don’t have a fixed co-pay with pet insurance. Instead, you’ll pay an agreed upon percentage of the veterinary bill. The bigger the percentage you agree to pay, the less your monthly bill will be.
Unfortunately, pet insurance doesn’t cover routine checkups. With the ASPCA, you can choose between accidental injury only or accidents and illness coverage.
Additionally, any preexisting conditions that your pet has won’t be covered by insurance. They’ll need to be cured and symptom-free for 180 days or longer to be eligible for future related care coverage.
Finally, you don’t have to switch veterinarians if you decide to purchase ASPCA insurance. The ASPCA accepts most veterinarians, but you will more than likely need to pay your bill up front. After the procedure is complete, you can contact the ASPCA for reimbursement.
ASPCA pet Insurance Coverage Options
What does pet insurance cover when you buy from the ASPCA? There are two main types of insurance, plus additional add-ons you can purchase.
Accident-Only does what its name suggests: it covers injuries caused by accidents. This includes contact with vehicles, ingestion of objects, and animal bites or scratches.
Your other option with ASPCA is Complete Coverage. This insurance covers accidental injuries as well as illnesses. You can also bring your animal in for behavioral issues, such as excessive licking or unexplained changes.
Complete Coverage covers the following conditions:
- Diagnostic services like MRIs, bloodwork, and ultrasounds
- Behavioral issues such as pacing, fur pulling, destructive chewing, and urination problems
- Microchipping
- Illnesses, including digestive problems, urinary tract infections, hypothyroidism, and digestive problems
- Eye disorders
- Heart disease
- Chronic illnesses like cancer or diabetes
- Prescription medication
- Rehabilitative therapy and chiropractic care
If you want to insure a horse, the ASPCA offers Colic +, which covers accidental injuries and abdominal issues. If you purchase the highest level of Colic +, your horse will be covered for cancer and select hereditary issues.
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What add-ons can you buy from the ASPCA?
The affordable ASPCA pet insurance add-on you can purchase adds preventative care to your policy. The Wellness add-on is available in two levels for whatever specific needs you think your animal will have.
You can work with an agent to add the following preventative items to your policy:
- Spay/neuter surgery
- Dental treatments
- Recommended veterinary checkups
- Vaccinations
- Medication for conditions like heartworms
Basic Preventative Care costs a flat rate of $9.95 a month, while the Prime Prevenatitve level costs $24.95.
ASPCA pet Insurance Rates Breakdown
Of course, the cost of your insurance will depend on several factors, such as the age of your animal, the breed, and the amount of coverage you want.
However, you can get an idea of what ASPCA insurance might cost by looking at average rates.
Labrador, Accident-Only Labrador, Complete Coverage Terrier, Accident-Only Terrier, Complete Coverage American Shorthair, Accident-Only American Shorthair, Complete Coverage
1 year old $28.04 $50.17 $28.04 $28.44 $15.60 $18.93
3 years old $28.04 $53.75 $28.04 $30.47 $15.60 $18.93
6 years old $28.04 $71.67 $40.63 $40.63 $15.60 $25.23
As far as prices go, ASPCA isn’t the cheapest option; however, it isn’t the most expensive, either. Pets Best and Embrace Pet Insurance tend to have cheaper rates, but the best pet insurance for you depends on your needs.
ASPCA pet Insurance Discounts Available
Welcome to our overview of ASPCA Pet Insurance discounts. Ensuring the well-being of your furry companion is essential, and ASPCA offers various coverage options. In this section, we’ll explore potential discounts that may help you make the most of your pet insurance investment.
- Multi-Pet Discount: If you insure more than one pet with the same company, you may be eligible for a multi-pet discount.
- Spaying/Neutering Discount: Some insurers offer discounts if your pet is spayed or neutered.
- Military or Affiliation Discounts: Some insurers provide discounts for military personnel or members of certain organizations.
- Annual Payment Discount: Paying your premium annually instead of monthly may sometimes result in a discount.
- Loyalty Discount: Staying with the same insurance provider for an extended period may make you eligible for loyalty discounts.
Choosing the right pet insurance is a crucial decision for your pet’s health and your peace of mind. As you explore ASPCA Pet Insurance, be sure to inquire about the available discounts. Whether you have a single pet or a multi-pet household, finding the right coverage at a cost-effective rate is key.
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Navigating ASPCA Pet Insurance Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
ASPCA pet insurance offers a user-friendly claims process, allowing pet owners to file claims through multiple convenient channels. Customers can file claims online through the ASPCA website or use the mobile app, which offers an easy and accessible ASPCA pet insurance login.
Additionally, claims can be submitted through traditional methods via mail or over the phone. This flexibility ensures that pet owners can choose the method that best suits their preferences and needs.
Average Claim Processing Time
One key aspect of the claims process that pet owners often consider is the average claim processing time. While specific processing times may vary depending on the nature of the claim, ASPCA pet insurance is known for its efficient claims processing.
Customers typically experience relatively quick resolutions, allowing them to receive reimbursements for covered expenses promptly. This streamlined process helps alleviate financial burdens associated with pet care.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is an essential aspect of evaluating any insurance provider, and ASPCA pet insurance generally receives positive reviews regarding claim resolutions and payouts. Many customers appreciate the ease with which claims can be filed and the efficiency of the reimbursement process.
Additionally, ASPCA’s commitment to resolving claims in a timely manner contributes to its positive reputation among pet owners. Overall, customer feedback suggests that ASPCA pet insurance is reliable and responsive when it comes to addressing claims.
Unveiling ASPCA Pet Insurance Digital and Technological Advancements
Mobile App Features and Functionality
ASPCA pet insurance offers a feature-rich mobile app that enhances the overall customer experience. The app provides convenient access to policy information, claims filing, and account management.
Users can easily log in to their ASPCA pet insurance accounts, review coverage details, and track the progress of their claims. The app’s intuitive interface and user-friendly design make it a valuable tool for pet owners seeking to manage their insurance on the go.
Online Account Management Capabilities
ASPCA’s online account management capabilities empower policyholders to have full control over their insurance policies. Through the online portal, customers can update their coverage preferences, view policy documents, and make payments.
This level of online account management ensures that pet owners can tailor their insurance to meet their specific needs and preferences, all from the convenience of their computer or mobile device.
Digital Tools and Resources
In addition to its mobile app and online account management, ASPCA pet insurance provides a range of digital tools and resources to assist pet owners in caring for their furry companions.
These resources may include educational materials, articles on pet health and wellness, and access to a network of veterinarians and pet care experts. By leveraging these digital resources, policyholders can make informed decisions about their pet’s healthcare and well-being.
How ASPCA pet Insurance Ranks Among Providers
ASPCA Pet Insurance, backed by the Animal Society for the Prevention of Cruelty to Animals and underwritten by United States Fire Insurance Company, competes in the pet insurance market. Let’s assess its standing compared to other notable players in the industry.
Competitors:
- Pets Best: Known for competitive rates.
- Embrace Pet Insurance: Often recognized for affordability.
- Healthy Paws: Emphasizes comprehensive coverage.
- Trupanion: Renowned for a straightforward approach to coverage.
- Nationwide Pet Insurance: Offers diverse plans and additional coverage.
ASPCA Pet Insurance holds a strong position in the market, particularly with its unique coverage for horses and association with a trusted name. While it may not be the most cost-effective, its positive reputation, diverse coverage, and commitment to technological advancements make it a competitive choice.
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ASPCA Pet Insurance Reviews
In general, pet insurance is recommended for anyone who loves their furry companion. Surgical procedures for animals can quickly become costly. If your pet gets sick or injured without insurance, you may face either a huge financial burden or a heartbreaking decision.
To determine how much surgery may cost you, consider the following average prices for common feline and canine procedures.
Most Common Procedures for Dogs Procedure Costs Most Common Procedures for Cats Procedure Costs
Knee ligament injuries $3,000 to $10,000 Upper Respiratory Infections Usually cheap, but could cost thousands if there are complications
Limping $50 to $4,500 Heart Conditions $17 to $65 for prescription medication
Urinary Tract Infections Around $35 for antibiotics Ear Infections $100 to $250
Cancer $10,000 or more Kidney Infections $3,000
Ear Infections $100 to $250 Skin Conditions Usually $100 to $500, but can stretch into the thousands
As you can see, even one unexpected medical problem can cost thousands. Americans own 89.7 million dogs and 94.2 million cats, leading to millions of dollars in pet care.
For the most part, the ASPCA receives positive customer reviews. Despite being more expensive than some of its competitors, people appreciate that claims usually resolve quickly.
ASPCA is a trusted name in pet insurance, and through its association with the charity, it stands for a good cause. ASPCA offers some coverage that others don’t (like microchipping and exam fee coverage), while lacking other common benefits like dental work.
Customers also enjoy the ASPCA mobile app, which offers an easy ASPCA pet insurance login. From there, you can ask questions, adjust your coverage as needed, and make claims.
Finally, the ASPCA has an A+ rating with the Better Business Bureau, which is higher than several of its competitors.
Frequently Asked Questions
What is ASPCA Pet Insurance?
ASPCA Pet Insurance is an insurance provider that specializes in coverage for pets, including cats and dogs.
What types of pet insurance does ASPCA Pet Insurance offer?
ASPCA Pet Insurance offers three types of pet insurance: accident-only coverage, accident and illness coverage, and wellness coverage.
What is included in ASPCA Pet Insurance’s wellness coverage?
ASPCA Pet Insurance’s wellness coverage includes routine care for pets, such as vaccinations, flea and tick prevention, and annual checkups.
How can I get a quote for ASPCA Pet Insurance?
To get a quote for ASPCA Pet Insurance, you can visit their website or contact a licensed insurance agent.
How are claims filed with ASPCA Pet Insurance?
Claims can be filed with ASPCA Pet Insurance either online or through the company’s mobile app. Customers can also file claims through the mail.
Does ASPCA Pet Insurance have a waiting period for coverage?
Yes, ASPCA Pet Insurance has a waiting period for coverage, which varies depending on the type of coverage selected. The waiting period for accident and illness coverage is typically 14 days.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.