{"id":2357,"date":"2021-08-05T15:33:52","date_gmt":"2021-08-05T15:33:52","guid":{"rendered":"https:\/\/protectmypaws.com\/?page_id=2357"},"modified":"2023-07-12T15:03:14","modified_gmt":"2023-07-12T15:03:14","slug":"aspca-pet-insurance-review","status":"publish","type":"post","link":"https:\/\/protectmypaws.com\/aspca-pet-insurance-review\/","title":{"rendered":"ASPCA Pet Insurance Review"},"content":{"rendered":"\n

Deciding on the best pet health insurance company for your pet becomes a lot easier when the company you\u2019re interested in comes with an endorsement from the American Society for the Prevention of Cruelty to Animals\u00ae (ASPCA\u00ae<\/a>). This humane organization is the first in North America to establish anti-animal-cruelty programs nationwide and to this day actively engages in protecting and aiding animals in need throughout the United States.<\/p>\n\n\n\n

In 2006, Crum & Forster\u00ae<\/a> struck a strategic partnership with the ASPCA\u00ae and introduced ASPCA\u00ae Pet Health Insurance<\/strong><\/a>, becoming their parent company and underwriter.<\/p>\n\n\n\n

Both companies\u2019 backgrounds and experiences in their respective fields make ASPCA Pet Health Insurance a carefully designed product that truly understands what pets and pet owners require from a pet insurance policy.<\/p>\n\n\n\n

The company is one of the top pet insurers out there to offer comprehensive coverage for illnesses and injuries concerning cats and dogs and some additional features designed to enhance their happiness and wellbeing.<\/p>\n\n\n\n

In this ASPCA Pet Insurance review, we\u2019ll take a look at their offers, as well as tackle questions such as price and coverage comparisons with other similar companies, and reviews from real pet parents.<\/p>\n\n\n\n

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ASPCA\u2019s Pros & Cons<\/h2>\n\n\n
Pros<\/th>Cons<\/th><\/tr><\/thead>
No exam is required prior to enrollment.<\/td>Long claim repayment processing.<\/td><\/tr>
Coverage is valid for traveling across the USA, Canada, Puerto Rico, Guam, and US Virgin Islands.<\/td>No option for unlimited annual claim benefits.<\/td><\/tr>
Low annual deductibles starting at $100.<\/td>No coverage for breeding and pregnancy expenses.<\/td><\/tr>
No maximum age restriction for pets.<\/td>Bilateral exclusions for ligament and knee injuries.<\/td><\/tr>
Coverage for exam fees and alternative therapy.<\/td>$2.00 monthly transaction fee.<\/td><\/tr>
Accident-only plan with affordable monthly premiums.<\/td><\/td><\/tr>
Two wellness plans with amazing routine care options.<\/td><\/td><\/tr>
30-day money-back guarantee.<\/td><\/td><\/tr>
Pet insurance coverage for horses.<\/td><\/td><\/tr>
Multi-pet discount of 10% for each additional pet.<\/td><\/td><\/tr>
Option for direct vet bill payment.<\/td><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n

ASPCA\u2019s Key Attributes<\/h2>\n\n\n
  1. Underwriter:<\/strong> United States Fire Insurance Company
    • AM Best Rating:<\/strong> A<\/li>
    • BBB Rating:<\/strong> A+<\/li><\/ul><\/li>
    • Exam period:<\/strong> ASPCA doesn’t commit their clients to take complete veterinary exams for their pet prior to obtaining a pet insurance policy through them;<\/li>
    • Increase in monthly premium:<\/strong> The price of your monthly premium with ASPCA will increase over time as your pet gets older and to match the current costs for veterinary treatments in your area;<\/li>
    • Claim submission time limit:<\/strong> You have 270 days from the date of the veterinary procedure to submit your claim for revision;<\/li>
    • Claim processing times:<\/strong> Submitted claims are processed by ASPCA within 30 days or less. We\u2019ve noticed that these times average to about 14 to 16 business days, although after the Covid-19 pandemic, they might have increased a bit;<\/li>
    • Waiting periods:<\/strong> Pet illnesses with ASPCA have an average waiting period when compared to other companies in the same industry, however, the waiting period for injuries is quite longer than the competition. Surprisingly, the waiting period for orthopedic conditions is one of the lowest out there:
      • Accidents<\/strong> – 14 days;<\/li>
      • Illnesses<\/strong> – 14 days;<\/li>
      • Wellness<\/strong> – 1 day;<\/li>
      • Cruciate ligament instances<\/strong> – 14 days.<\/li><\/ul><\/li>
      • Pet insurance coverage with ASPCA is valid<\/strong> for traveling together with your pet throughout the entire US, Canada, Puerto Rico, Guam, and the US Virgin Islands;<\/li>
      • Bilateral conditions<\/strong> with ASPCA are covered except those considered ligament and knee conditions including ligament, meniscus, patella, and knee soft tissue disorders.<\/li><\/ol>\n\n\n

        ASPCA\u2019s Insurance Plans<\/h2>\n\n\n
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