Our Take on ASPCA Pet Health Insurance
ASPCA Pet Health Insurance ranked No. 2 on our list of the best pet insurance companies. It scored well in every category we evaluated based on our provider review methodology, earning 4.8 out of 5 stars. Its high scores in our pricing category suggest its coverage is adequate despite below-average pricing. However, the provider lost points for not offering a website chat feature or a 24/7 customer care line, a longer-than-average accident waiting period and a low maximum annual coverage limit.
ASPCA Pet Health Insurance provides comprehensive coverage at affordable rates. With no restrictions on senior enrollment or age-related benefit reductions over time, it’s our top pick for older pets. The company offers affordable premiums for multiple types of pets, making it a popular choice for pet owners in the market for financial protection against unexpected veterinary bills.
ASPCA Pet Health Insurance is available in all 50 states and is backed by several large and highly rated underwriters, making it a financially reliable choice for pet owners across the country. Although ASPCA Pet Health Insurance is a separate entity from the ASPCA, the connection between the two organizations may offer policyholders peace of mind.
Pros and Cons
What Does ASPCA Pet Health Insurance Cover?
You can quickly apply for an ASPCA Pet Health Insurance plan using the provider’s online quote tool. After entering some information about your pet, the tool provides you with choices for plans, customizations and optional wellness care. A bit lower on the page, you can see clear explanations of coverage, exclusions, waiting periods and how pet insurance generally works. On the next page, you can choose monthly or annual payments and add another pet for a discount.What Does ASPCA Pet Health Insurance Cover?
ASPCA Pet Health Insurance offers a few plans to meet various pet needs and budgets. The company clearly explains each plan on its website. Those using the quote tool can see in real time how changing plan parameters can adjust overall costs.
ASPCA Pet Health Insurance Plans
ASPCA Pet Health Insurance offers two plan types: complete coverage (or accident and illness coverage) and accident-only. The complete coverage plan is suitable for pet owners looking for comprehensive accident and illness coverage for diagnostics and treatments relating to the following:
- Accidental injury
- Acute illness
- Chronic disease
- Hereditary conditions
- Orthopedic conditions
- Behavior problems
The accident-only offering covers accidental injuries and ongoing costs relating to those injuries.
Neither plan covers routine preventive care costs unless you specifically add coverage during enrollment. Policies also exclude costs related to breeding, cosmetic surgeries, herbal medications, maintenance diets, supplements and experimental treatments.
Here is a breakdown of how ASPCA Pet Health Insurance coverage varies by plan. For details on coverage eligibility in specific situations and a complete list of exclusions, refer to a sample policy.
*The accident-only plan covers listed treatments only when related to an accident, not an illness. For example, the plan would cover tooth extractions caused by accidental fractures but not treatment of periodontal disease.
Preventative Care Plans
You can add a preventive care plan to cover wellness services, such as vaccines, routine dental care and deworming. Like most other providers, ASPCA Pet Health Insurance wellness plans operate on a fee schedule, which means the plan reimburses up to a set amount for each service annually.
ASPCA Pet Health Insurance has two preventive care plans: Basic and Prime. Based on quotes we obtained, the Basic Preventative Care Plan adds $10 per month and Prime adds $25.
How Much Does ASPCA Pet Health Insurance Cost?
Based on our research, the average monthly cost of an ASPCA Pet Health Insurance accident and illness plan is $50 for dogs and $22 for cats. You can also get a 10% discount if you add multiple pets to your policy.
ASPCA Pet Health Insurance costs vary by your location, chosen coverage, and your pet’s age, breed and species. Like other providers, it typically costs more to insure dogs than cats, and purebreds and seniors also cost more to insure. Premiums may increase as pets get older.
*We calculated this average by gathering quotes for ten different sample pet profiles. Sample pet profiles include mixed-breed and purebred dogs and cats, ranging from 3 months old to 8 years old. We collected a total of 1019 quotes from ASPCA.
Use the chart below to compare ASPCA Pet Health Insurance policy costs to competing providers:
Compare ASPCA Pet Health Insurance to the Competition
Here’s how ASPCA Pet Health Insurance compares to other top providers and policies:
