ASPCA Pet Health Insurance Review: Coverage, Cost, and Claims

ASPCA Pet Health Insurance Overview

ASPCA Pet Health Insurance offers comprehensive coverage for dogs and cats, including accident and illness plans, wellness options, and various deductible choices. The insurance is underwritten by United States Fire Insurance Co. and is available in all 50 states and Washington, D.C.

Types of Plans and Coverage

ASPCA provides three main types of coverage:

1. Accident and Illness Plan: Comprehensive coverage including accidents, illnesses, hereditary conditions, and behavioral issues
2. Accident Only Plan: Covers emergency expenses related to accidents
3. Wellness Plans: Optional add-ons for preventive care, available in Basic and Prime packages

Accident and Illness Coverage Details

• Accidents: broken bones, toxic ingestion, etc.
• Illnesses: cancer, diabetes, ear infections, etc.
• Hereditary and congenital conditions
• Behavioral issues: excessive licking, pacing, etc.
• Hospitalizations: emergency services, surgeries, rehabilitation
• Specialist Care: veterinarians, behaviorists, oncologists
• Alternative therapies: chiropractic care, rehabilitative therapy
• Prescription Medication: includes prescribed food and supplements
• Diagnostics: X-rays, ultrasounds, MRIs, bloodwork

What ASPCA Doesn’t Cover

• Pre-existing conditions
• Cosmetic procedures: ear cropping, tail docking
• Breeding costs

However, conditions cured and symptom-free for 180 days may be covered (excluding knee and ligament conditions).

Coverage Levels and Deductibles

Annual Limit Options

1. $2,500
2. $5,000
3. $7,000
4. $10,000

Deductible Choices

1. $100
2. $250
3. $500

Reimbursement Options

1. 70%
2. 80%
3. 90%

Waiting Periods and Age Restrictions

• 14-day waiting period for accidents
• 14-day waiting period for illnesses
• No extended waiting periods for special conditions
• Available for pets 8 weeks and older
• No upper age limit for new policies

Cost Comparison

Average monthly costs:

• Dog: $44-$61 (depending on coverage level)
• Cat: $22-$31

Compared to other insurers:

• Pets Best: $46 (dog), $22 (cat)
• Figo: $75 (dog), $30 (cat)
• Chewy Essential Plus: $89 (dog), $44 (cat)

Claims Process

Claims can be filed:

1. Online through customer center or mobile app
2. Email: [email protected]
3. Phone: (866) 204-6764
4. Fax: (866) 888-2495
5. Mail: ASPCA Pet Health Insurance, 1208 Massillon Rd. Suite G 200, Akron, OH 44306

Frequently Asked Questions

1. Any vet acceptance: Yes, any licensed veterinarian in U.S. or Canada
2. Multi-pet policies: Separate policies required, 10% multipet discount available
3. Dental coverage: Accident and illness coverage included; routine cleanings covered with preventive care add-on
4. Spaying/neutering coverage: Covered with Prime preventive care package
5. Customer service: Available by phone: (866) 204-6764, email: [email protected]