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You may have come across ASPCA Pet Insurance and wonder if it’s an excellent option since it has a prominent and trustworthy brand name. ASPCA Pet Insurance offers detailed coverage and short waiting periods. But is its pricing in line with the competition? We cover all the details about this provider here.
- How Are ASPCA Pet Insurance, Hartville & Waffle Related?
- ASPCA Pet Insurance Overall Rating
- Pros & Cons Comparison Table
- Key Features
- What Are ASPCA’s Waiting Periods*?
- What Does ASPCA Cover?
- How Is ASPCA Pet Insurance Pricing Determined?
- Does ASPCA Pet Insurance Have Any Coupon Codes?
- Frequently Asked Questions
- Why Do I Need Pet Insurance?
- How Is Reimbursement Determined?
- What Are The Most Common Claims Processed By ASPCA Pet Insurance?
- ASPCA vs Other Companies
- What’s Our Verdict On ASPCA Pet Insurance?
Both ASPCA and Hartville pet insurance are administered by C&F Insurance Agency, Inc., which has been in the insurance business since 1997. ASPCA Pet Health Insurance isn’t directly affiliated with the ASPCA, but Crum & Forster (C&F) pays a royalty fee for using the ASPCA name. More specifically, ASPCA is serviced under a licensing agreement by C&F Pet Insurance Group along with a few other branded products.
To further clarify, ASPCA and Hartville Pet Insurance offer very similar products, sold under two different brand names. Thanks to the prominent ASPCA reputation, ASPCA Pet Insurance is the more well-known consumer product.
The fact that the ASPCA is putting its name on this Hartville product says a lot about their trust in this pet insurance. Both ASPCA Pet Health Insurance and Hartville Pet Insurance are available to all consumers, as well as groups and employers.
How does the new company Waffle tie into this? ASPCA Pet Health Insurance is sold through Waffle to provide a one-stop shop for insurance needs.
ASPCA Pet Insurance Overall Rating
Our pet insurance experts read through each pet insurance companies’ policy to provide detailed comparisons and information regarding how a provider fares against others in the industry. We also speak with customers, read online feedback, and communicate one-on-one with the pet insurance companies to obtain a well-rounded, unbiased analysis of a company’s standings.
Our team rates pet insurance companies based on several factors, including A.M. Best ratings (an indicator of financial stability), claim processing reputations, contract coverage, customer service, pricing, plan customizations, and more.
Pros & Cons Comparison Table
|Optional wellness plan||$2 transaction fee, if not paying annually|
|Conditions that are free of symptoms and treatment for 180 days are not considered pre-existing conditions||Can’t change/add some items to plan until the next 12 month period begins|
|Offers a 10% discount for each additional pet||Low reimbursements reported by customers|
|30-day money-back guarantee||No unlimited payout option|
|Your pet is covered when they travel with you in the U.S., Guam, Puerto Rico, U.S. Virgin Islands, and Canada||14-day waiting period for accidents is longer than competitors|
|No upper age limits for coverage||Claim processing is longer|
Alternatives To ASPCA: Don’t like the score you’re seeing? Our experts have analyzed over a dozen pet insurance providers. Check out our pet insurance reviews to learn more about this year’s top-ranked companies.
- Underwriter: United States Fire Insurance Company
- A.M. Best rating: A
- Claims process:
- Must submit your claim within 270 days from the date of service via the mobile app, online via the member center, mail, email, or fax
- Claim processing averages 15-30 days, and direct deposit and check are both options
- Option to pay vets directly, so you don’t have to pay a hefty vet bill in advance and wait for reimbursement (not available everywhere)
- Bilateral exclusions (a condition or disease that affects both sides of the body): includes, but is not limited to, conditions involving a ligament, patella, meniscus, or soft tissue disorder of the knee
- Offers pre-approval of estimates/procedures in advance of treatment
- Covers curable pre-existing conditions that are free from treatment and symptoms for 180 days (ligament and knee conditions are excluded)
Customer Service Options & Hours
- Email and phone:
- Monday – Friday: 9am – 6pm EST
- Illnesses: 14 days
- Accidents: 14 days
- Cruciate Ligament: 14 days
- Hip Dysplasia: 14 days
- Wellness: 0 days
*Waiting periods for Maine are as follows:
- Accidents - 0 days
- Illnesses - 14 days
- Cruciate Ligament Conditions - 30 days
- Routine Care - 0 days
Please know that none of the providers in our pet insurance comparison charts cover pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures.
All of them cover the following items when deemed medically necessary: emergency care, surgery and hospitalization, specialized exams and specialty care, X-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, cancer, chronic conditions, euthanasia, hereditary conditions, congenital conditions, non-routine dental treatment, and prescription medications. However, this coverage may have limitations, so please check your policy.
|Condition||Covered By ASPCA Pet Insurance|
|Wellness Care||Extra Fee|
What’s ASPCA Pet Insurance’s Accident Only Plan?
ASPCA Pet Insurance offers an Accident Only plan that covers accidents (as its name suggests), so things like broken bones are covered. It doesn’t cover any illnesses, routine care, acupuncture, or chiropractic treatment. You can choose your annual deductible, reimbursement amount, and annual payout as with a more comprehensive plan.
- Torn ligaments
- Bite wounds
- Broken bones
- Lodged foreign objects
- Toxic Ingestions
Does ASPCA Pet Insurance Offer Wellness Plans?
ASPCA Pet Insurance offers two wellness plans shown below in the table. Included are the maximum amounts that ASPCA Pet Insurance will pay each year for that specific routine care per year.
|Price Per Month||$9.95||$24.95|
|Dental Cleaning Or Neuter||$0||$150|
|Rabies Or Lyme Vaccine/Titer||$20||$25|
|Total Annual Benefit||$250||$450|
ASPCA Pet Insurance has no one-time fees and a $2 transaction fee for every payment (waived if you pay annually). Your monthly premium is based on the deductible, reimbursement percentage, and annual payout options that you choose from the table below.
|Deductible Options||Payout Options||Reimbursement Options|
Pricing is also based on your pet’s details (age, breed, location, pre-existing conditions, etc.). We recommend obtaining quotes from ASPCA Pet Insurance for your specific pet to get an idea of how much a policy would cost you.
You can also use our pet insurance quote form to see how top providers compare for your actual pet.
ASPCA Pet Insurance offers a 10% multi-pet discount when you use this link.
Here are some frequently asked questions regarding ASPCA Pet Insurance from our readers.
Does ASPCA Insurance Increase With Age?
It’s customary for pet insurance providers to increase their premiums throughout your pet’s life. The increase in cost can be based on rising vet care expenses, your pet’s age, location, and more factors.
How To Cancel ASPCA Pet Insurance?
Contact ASPCA Pet Insurance via email, fax, mail, or phone to cancel your ASPCA Pet Insurance policy. ASPCA Pet Insurance will refund any premium you paid for any period after your last date of coverage.
If cancellation occurs within the first 30 days of the first effective date, ASPCA Pet Insurance will refund the premium paid if no covered expenses have been applied to your deductible or reimbursed.
If you’d like a replacement for your ASPCA Pet Insurance policy, take a look at our pet insurance reviews to see which pet insurance companies we recommend.
If your dog experiences accidents or illnesses, the vet bills can quickly add up. Not insuring your pup can result in hundreds or even thousands of dollars in bills.
How Is Reimbursement Determined?
ASPCA Pet Insurance uses a “deductible then copay” reimbursement method. This is calculated in the following way:
- Actual vet bill amount – Remaining annual deductible – Copay = Reimbursement amount
What Are The Most Common Claims Processed By ASPCA Pet Insurance?
- Growth/cancer & therapy
- Ear-related claims (e.g., ear infections)
- Gastrointestinal issues (e.g., vomiting and diarrhea)
ASPCA vs Other Companies
Interested in seeing how ASPCA stacks up against other popular pet insurance companies? We’ve written comparison articles for you to see how ASPCA and other leading pet insurance companies compare in coverage, customer service and reputation, claim processing, plan customization, and price.
When it comes to coverage, customer service, and other features, there’s not much that stands out about ASPCA Pet Insurance compared to the competition. However, the plan choices are relatively flexible, so you may be able to find the right fit for you and your pup.Review, Reviewed By Insurance Agent