When it comes to protecting your pet, you want to make sure you are getting the best possible coverage at an affordable price. That’s why it’s important to do your research before choosing a pet insurance provider. In this review, we will take a closer look at ASPCA Pet Health Insurance and compare it to some of the other top providers in the industry.
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| Highlights |
|---|
| Full insurance coverage for cats & dogs at a competitive price |
| Accident-Only & Preventative Care options offer coverage variety |
| 10 percent multi-pet discount |
| 30-Day Money Back Guarantee |
| 4.3-star average review on Trustpilot |
| $300 million paid out for covered claims since 2008 |
ASPCA® Pet Health Insurance plans are offered by PTZ Insurance Agency, Ltd. with the same devotion to caring for animals that has defined the efforts of The American Society for the Prevention of Cruelty to Animals® (ASPCA®). PTZ Insurance Agency, Ltd., markets the company’s products directly to consumers, through veterinary practices, and to employers, associations, and brokers. In 2006, ASPCA Pet Health Insurance was introduced as part of a partnership with the American Society for the Prevention of Cruelty to Animals (ASPCA). In the past 20 years, through their insurance underwriters, they have insured more than 600,000 dogs and cats and processed more than 2.2 million claims.
There are a few things to consider before buying pet insurance, such as coverage, limitations, cost and competitor comparisons—and we’re going to cover it all. But we think the best place to start is always a pros and cons list, so you can really get a good overview of the company’s offerings:
There are two different plans to choose from with ASPCA Pet Health Insurance, plus an add-on for Preventative Care coverage. Let’s start with their main plans, Complete Coverage and Accident-Only.
The Complete Coverage Plan is ASPCA Pet Health Insurance’s full-service offering and covers:
The Accident-Only Plan is more of a buffer for vet bills associated with accidents. It covers:
It’s important to understand what is and is not covered by your pet insurance policy, so that there are no surprises after you sign up.
Here’s a breakdown of what is covered under the ASPCA Pet Health Insurance Complete Coverage Plan:
Here’s a list of what is not covered under ASPCA Pet Health Insurance’s Complete Coverage Plan:
We’ve outlined the main highlights of ASPCA Pet Health Insurance’s plan offerings here, but our lists aren’t all-inclusive. If you are wondering whether a particular condition is covered or not, ASPCA Pet Insurance provides sample plans on their website for their Complete Coverage, Accident-Only and Preventative Care options.
Next we’ll review pricing options for ASPCA Pet Health Insurance. Like other pet insurance plans, ASPCA Pet Health Insurance factors in your pet’s breed, age and zip code when determining how much your plan will cost.
With ASPCA Pet Health Insurance, you can choose your annual limit, deductible amount and reimbursement rate to tailor your pet’s plan to meet your budget. Here’s how it works:
Like other pet insurance companies, ASPCA Pet Health Insurance’s cat insurance plans run cheaper than their dog insurance plans. We’ll cover these cost comparisons a little later.
*These amounts reflect the options at the time of this review and are subject to change.
ASPCA Pet Health Insurance offers an optional Preventative Care package to help pet owners cover the cost of wellness treatments that you may already be paying for. There are two tiers available, Basic and Prime. Here’s what’s covered and the pricing for both options:*
*These amounts reflect the options at the time of this review and are subject to change.
ASPCA Pet Health Insurance covers cats and dogs (and even horses!). The main difference between these plans is the price. Dogs are more expensive to insure than cats since they typically require more vet attention throughout their life.
Besides cost, there are minimal differences in ASPCA Pet Health Insurance’s plans. Cat owners can choose from the same annual limits, deductibles and reimbursement rates, and cats will enjoy the same plan options for Complete Coverage, Accident-Only and Preventative Care as dogs.
For pet owners with more than one furry friend in the house, ASPCA Pet Health Insurance offers a multi-pet discount of 10 percent for each additional pet enrolled in an insurance plan.
Now that we’ve taken a closer look at what ASPCA Pet Health Insurance has to offer, let’s compare it to some of the other top providers in the industry: Trupanion, Healthy Paws and Pets Best.
ASPCA Pet Health Insurance and Trupanion are leading providers of pet insurance. Both companies offer great options for comprehensive coverage, but there are key some differences to consider as well:
Like ASPCA Pet Health Insurance, Healthy Paws provides full-coverage pet insurance. After a review of both companies’ offerings, we found a few differences to consider when shopping for a pet insurance plan:
Pets Best and ASPCA Pet Health Insurance are reputable pet insurance providers with robust coverage options. Here’s where the two companies differ:
ASPCA Pet Health Insurance offers full coverage and accident-only plans, along with a preventative care package—a selection of coverage options that most companies just can’t beat. Competitive pricing, solid customer reviews and a 30-day money-back guarantee are the icing on top that makes ASPCA Pet Health Insurance a great option.
ASPCA stands for the American Society for the Prevention of Cruelty to Animals. ASPCA is a nonprofit organization dedicated to preventing cruelty to animals. Based in New York City since its inception in 1866, the organization’s mission is to provide effective means for the prevention of cruelty to animals throughout the United States. The company paired with Crum & Forster Pet Insurance Group to start offering pet insurance in 2006.
ASPCA Pet Health Insurance covers your pet from accidents, illnesses and injuries. After you enroll your pet in a pet insurance plan, you’ll pay a monthly premium and submit claims to ASPCA Pet Health Insurance for reimbursement of covered medical expenses.
ASPCA Pet Health Insurance offers a Complete Coverage plan, Accident-Only Plan and Preventative Care add-on, so you can get the right amount of coverage for your pet’s needs.
Another great perk of ASPCA Pet Health Insurance is that there are no networks; you can see any licensed vet professional and it will be covered for reimbursement, as long as the condition is covered.
ASPCA Pet Health Insurance plans vary in cost based on breed, age and location. Our quotes for a three-year old, mixed-breed male dog in Atlanta on ASPCA Pet Health Insurance’s Complete Coverage plan range between $22.51 and $73.80 per month, depending on the coverage options selected.
The Complete Coverage plan is ASPCA Pet Health Insurance’s full-coverage plan that reimburses medical expenses for your pet related to:
ASPCA Pet Health Insurance is one of the few companies that does provide reimbursement for spaying and neutering under the Prime level of their Preventative Care package. Pet owners can file a claim for reimbursement up to $150 for this service.*
*These amounts reflect the options at the time of this review and are subject to change.
Pre-existing conditions are not covered. For all terms and conditions visit www.aspcapetinsurance.com/terms. Products, schedules, and rates may vary and are subject to change. Discounts may vary and are subject to change.
The ASPCA® is not an insurer and is not engaged in the business of insurance. Insurance products are underwritten by Independence American Insurance Company (NAIC #26581. A Delaware insurance company headquartered located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254). Insurance is produced by PTZ Insurance Agency, Ltd. (NPN: 5328528. Domiciled in Illinois with offices at 1208 Massillon Road, Suite G200, Akron, Ohio 44306). (California residents only: PTZ Insurance Agency, Ltd., d.b.a PIA Insurance Agency, Ltd. CA license #0E36937).
Methodology
Behind Our Best Pet Insurance Ratings
We make choosing the best pet insurance easy with expert reviews and rankings.
Here’s the methodology behind our ratings:
