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ASPCA Review

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ASPCA Review

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Flexible Plans

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9.8

Pros:

Provides coverage for dogs, cats, and all types of pets
Includes a broad spectrum of veterinary treatments
Covers illnesses, accidents, and routine wellness care
Offers a vanishing deductible option to reward health and safe claim

Cons:

Offers benefits only on an itemized basis<br /> Plans are managed and approved by third-party entities

About ASPCA Pet Insurance

Choosing the right pet insurance can be overwhelming due to the many providers and plans available. ASPCA Pet Insurance seeks to simplify the process by offering comprehensive coverage with lower policy limits, helping to keep premiums affordable. Its plans are well-suited for pet owners seeking basic coverage without paying for unnecessary services.

Founded in 1866, the American Society for the Prevention of Cruelty to Animals (ASPCA) is a renowned animal welfare organization in the U.S. In 2006, they entered the pet insurance market through a partnership with Hartville Pet Insurance, now rebranded as Crum & Forster. Today, ASPCA’s policies are managed by Crum & Forster and underwritten by the United States Fire Insurance Company.

Pros and Cons of ASPCA Pet Insurance

Pros:

Wide Coverage: Insures not only cats and dogs but also horses, a unique feature among providers.
Flexible Vet Choices: Valid with any licensed vet in the U.S. and Canada, offering greater care flexibility.
Customizable Plans: Options to tailor coverage, including wellness, illness, and accident plans.
Comparison Tool: Free online tool to compare ASPCA policies with those from other insurers.

Cons:

Scheduled Wellness Benefits: Their preventive care riders provide scheduled benefits rather than a unified annual wellness limit, unlike some competitors.
Third-Party Management: As ASPCA isn’t a direct insurer, it relies on third-party administrators, which can limit control over policy features—currently managed by Crum & Forster and underwritten by the U.S. Fire Insurance Company.

Plans and Pricing

Plans

ASPCA offers two main pet insurance options for cats and dogs: an accident-only policy and an accident and illness policy. The accident-only plan covers injuries such as bites and trauma, while the comprehensive accident and illness plan includes those and coverage for common health conditions.

For horse owners, ASPCA provides two plans:

Colic + Accidents: Coverage for abdominal issues and accident-related injuries.
Colic + Accidents + Illnesses: Broader coverage including diseases like cancer and hereditary conditions.

All plans can be enhanced with wellness riders, adding preventive care benefits tailored to your pet’s needs, with coverage limits varying by animal type.

Pricing

ASPCA’s premiums are generally affordable, often lower than many competitors. However, their plans feature lower annual limits—starting from $3,000 for basic policies up to $10,000 for higher-tier plans—making them suitable for pet owners seeking essential coverage.

Waiting Periods

They have a two-week waiting period for both accidents and illnesses, slightly longer than some competitors that often have just a few days for accidents but longer periods for illnesses. This relatively shorter waiting time benefits pet owners, especially those concerned about orthopedic injuries.

Exclusions and Coverage Limits

Exclusions: Pre-existing conditions are not covered, including any illnesses or injuries that occur during the waiting period. Additional exclusions include organ transplants, non-veterinary procedures, and cosmetic surgeries for cats and dogs. For horses, exclusions also encompass alternative therapies, hoof trimming, and arthritis treatments.
Coverage Limits: Limits are modest compared to other providers, starting at $3,000 annually and reaching up to $7,000 for horses and $10,000 for cats and dogs. Unlimited coverage options are not available, which may be a consideration for owners wanting more extensive protection.

Claims and Customer Service

ASPCA offers multiple claim submission options:

Electronic claims via their mobile app or website
Downloadable claim forms for email, fax, or mail submission
Online claim tracking through their system or app

Customer support is accessible through phone during business hours, email, or via a contact form within the My Pet Insurance app.

ASPCA vs. Market Competitors

VS. Trupanion: ASPCA has more longstanding experience (since 1997 vs. Trupanion’s 2008). Notably, ASPCA covers veterinary exam fees, unlike Trupanion. The ASPCA also has a shorter 14-day waiting period for illnesses and offers optional preventive care add-ons, which Trupanion lacks.
VS. Figo: Established in 1997, ASPCA offers reliable coverage with wellness options. However, Figo, launched in 2015, provides 100% reimbursement and faster claim resolution (7-10 days vs. ASPCA’s 2-4 weeks). Figo also features 24/7 live chat with vets, adding a level of convenience and real-time support.

Conclusion

Although ASPCA is primarily dedicated to animal welfare and does not operate as a direct pet insurance provider, it offers insurance policies managed by Crum & Forster and underwritten by the United States Fire Insurance Company.

Their accident and illness plans feature fixed annual limits, providing simplicity but potentially restricting coverage. The optional wellness benefits are reimbursed on a per-treatment basis. For pet owners mindful of costs, ASPCA’s policies present an affordable choice, though they tend to offer lower coverage levels compared to other providers. Overall, ASPCA is a good option for those seeking basic, budget-friendly protection without excessive expenses.

ASPCA