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Overall Rating:
Total Reviews:
8,361
Accident & Illness Coverage:
Included
Wellness Coverage:
Optional
Average Price Range:
Get a quote to customize your price
# ASPCA Pet Insurance
The ASPCA Pet Health Insurance Program has Complete CoverageSM, Accident-Only Coverage, and Preventative Care Coverage, at an additional cost, for dogs and cats.
ASPCA Pet Health Insurance Program is one of the most respected pet insurance brands in the U.S. The program is underwritten by the United States Fire Insurance Company, rated A by A.M. Best (2018).
## Overall Rating
One of the five sources is our own site, where we collect customer reviews and verify their authenticity. Read some of the most recent ASPCA Pet Insurance reviews (below) from real pet parents just like you!
## Coverage
ASPCA Pet Insurance offers both accident and illness coverage and accident-only coverage options.  A preventive care coverage add-on is available at an additional cost.
### Coverage Notes
The ASPCA Pet Health Insurance Program has coverage for dogs and cats in all 50 states and the District of Columbia. Pet owners can customize their plan by choosing a deductible and co-insurance that meet their needs. Additionally, they offer preventative coverage for routine and annual care expenses for an additional cost.
### Coverage Highlights
The ASPCA Pet Health Insurance Program has coverage for dogs and cats in all 50 states. Pet owners can customize their plan by choosing a deductible and co-insurance that meet their needs. Additionally, they provide preventative coverage for routine and annual care expenses at an additional cost.
**Preventative Care Coverage Add-On**
The ASPCA Pet Health Insurance Program provides two levels of preventative coverage, Basic and Prime:
**Basic Preventative Care Coverage**
* Dental Cleaning
* Wellness Exam
* DHLPP Vaccine/Titer or Feline FVRCP Vaccine/Titer
* Rabies and/or Canine Lyme or Feline FIP Vaccine/Titer
* Fecal Test
* Heartworm or Feline FELV Test
* Deworming
**Prime Preventative Care Coverage**
* Dental Cleaning OR Spay/Neuter
* Flea/Heartworm Prevention
* Blood Test
* Urinalysis
* Bordetella or FELV Vaccine/Titer
* Health Certificate
### Coverage Details
**Complete CoverageSM**
Complete Coverage may provide coverage for unexpected health issues your dog or cat may encounter. From emergency care to surgery to long-term medications for chronic conditions, Complete Coverage is a great way to protect your pet and your wallet from expensive accidents and illnesses. Here’s what is covered:
* Accidents
* Alternative Therapy
* Behavioral Issues
* Behavioral Therapy
* Cancer Coverage
* Chronic Conditions
* Dental Care (Limited)
* Emergency Care
* Exam Fees
* Hereditary Conditions
* Illnesses
* Prosthetic Devices and Wheelchairs\*
* Prescription Medications
* Orthopedic Issues
**Accident-Only Coverage**
The accident-only plan covers accidents only and excludes illnesses. That is why we do not recommend this level of coverage. The details in this chart are reflective of Complete Coverage**SM**, which is the recommended and most popular option.
Deductible:
$100, $250, or $500
Reimbursement Options:
70% - 90%
Annual Limit:
$2,500 - $10,000
Waiting Period - Accidents:
15 days
Waiting Period - Illnesses:
Waiting Period - Orthopedic :
Policy Exclusions:
Listed Below
### Enrollment Requirements
Enrollment Exam Requirements: There are no enrollment exam requirements.
### Cost
ASPCA Pet Health Insurance Program is competitive with regard to pricing but slightly more expensive than some other providers in the market. From a value standpoint (price vs. quality) it's near the top of the heap.
Average premium based on $250 deductible, 90% reimbursement, $10,000 annual limit for 2 year-old mixed breed dog and 3 year-old mixed breed cat, respectively.
There is a $2 per month transaction fee if you opt for monthly. There is no transaction fee if you select annual payment.
### Sample Premiums
Dogs
Average for Dogs:
$46 per month
Cats
Average for Cats:
$32 per month
### About ASPCA Pet Insurance
Founded in 1997, Crum & Forster Insurance Agency Inc. is one of the original pet insurance providers in the U.S. In 2006, as part of a strategic partnership with the American Society for the Prevention of Cruelty to Animals (ASPCA), Crum & Forster introduced the ASPCA Pet Health Insurance Program. In the past 20 years, the ASPCA Pet Health Insurance Program has insured more than 400,000 dogs and cats and processed over 1.6 million claims.
Company:
Policy Options:
Service:
### Company Profile
The ASPCA Pet Health Insurance Program is administered by C&F Insurance Agency, Inc., which is based in Akron, Ohio. The agency was founded in 1997, making it the second oldest pet insurance provider in the United States. Products are underwritten by the United States Fire Insurance Company, which has an A.M. Best Insurance rating of A (Excellent).
Year Founded:
1997
Headquarters:
Akron, Ohio
Underwriter:
A (Excellent)
Leadership:
Bob Capobianco, Liz Watson
Vet Policy:
Any licensed vet in U.S.
Service Hours:
Monday to Friday, 8:00am – 8:00pm EST
### Policy Exclusions
The ASPCA Pet Health Insurance Program will not pay for costs associated with or resulting from the following:
a. Aesthetic, cosmetic, endodontic, or orthodontic dental services such as caps, crowns or crown amputation, fillings, implants and root canals or planing.
b. Anal sac (gland) expression and/or resection when no infection or disease is present.
c. Boarding.
d. Breeding, pregnancy, whelping or nursing.
e. Conditions that occur during a waiting period.
f. Cosmetic and elective prostheses or procedures (including but not limited to claw removal, ear cropping and tail docking).
g. Dental cleanings unless used to treat a covered illness or covered by an applicable endorsement.
h. Experimental or investigational treatment or medication (including clinical trials) that is not generally accepted in the veterinary medical community as effective or proven.
i. Funeral services, memorial items, urns, caskets, or burial plots/fees.
j. Grooming or grooming supplies (including but not limited to non-prescription baths, ear cleanings, non-prescription shampoos and nail trims).
k. Herbal and herbal-like products including Cannabis (CBD) and food products.
l. House call fees, time and travel expenses to and from the veterinarian’s premises or hospital.
m. Illness or injury that results from intentional, malicious, or grossly negligent activities or from failure to perform actions commonly accepted as responsible pet care by you, a member of your household or a caregiver for your pet.
n. Ligament and knee conditions, if any ligament and knee condition occurred prior to the first effective date of the applicable coverage or during a waiting period.
o. Non-medical supplies such as but not limited to toys, leashes, ramps, bedding or other devices intended to prevent injury or illness, but that do not treat a condition.
p. Non-veterinary services (including but not limited to administrative fees, medical records expenses, medical waste, discount package or membership fees, postage and tax).
q. Organ or heart valve transplants.
r. Pre-existing conditions that occurred on or before the first effective date of the applicable coverage or during a waiting period.
s. Prescription pet food, pet food that is used beyond resolution of symptoms for prevention or general health maintenance (including weight loss) even if prescribed, dispensed, or recommended by a veterinarian; whole food or fresh food diets, lightly cooked diets, custom diets or limited ingredient diets even if prescribed, dispensed or recommended by a veterinarian. Pet food that is available without a prescription from a veterinarian, commercial diets or treats including foods such as life stages (puppy, senior, etc.), low calorie, sensitive stomach, or urinary support even if dispensed or recommended by a veterinarian.
t. Preventive care without an occurrence (including but not limited to general health maintenance diagnostics, laboratory procedures, medications, physical examinations and surgery) unless covered by an applicable endorsement.
u. Supplements and vitamins used for prevention or general health maintenance (including weight loss) even if prescribed or dispensed by a veterinarian.
v. Training or training devices.
w. Treatment when the veterinarian conducting or supervising is you or a co-owner on your account or an immediate family member.
x. Treatment arising from avian influenza; intentional slaughter by, or under, the order of any government or public or local authority; epidemics or pandemics as declared by the U.S. Department of Agriculture; nuclear reaction, radiation, radioactive contamination or the discharge of a nuclear device, whether controlled or uncontrolled, accidentally or otherwise; chemical, biological, bio-chemical or electromagnetic weapon, device, agent or material whether controlled or uncontrolled, accidentally or otherwise; war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped, strikes, riots, or civil commotion and terrorism.
y. Veterinary expenses related to coursing, organized fighting, law enforcement or guarding, personal protection or racing.
For all terms and conditions visit www.aspcapetinsurance.com/terms.
\*Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Preventive and Wellness Care reimbursements are based on a schedule. Complete Coverage℠ reimbursements are based on the invoice.  Products, schedules, and rates may vary and are subject to change. Discounts may vary and are subject to change. More information available at checkout.
The ASPCA is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227), a Crum & Forster company. Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.
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