ASPCA pet insurance offers comprehensive coverage with some limitations, including a $10,000 maximum annual limit.
From Yahoo Finance: 2025-05-29 17:22:00
ASPCA pet insurance has a solid rating of 4.3 out of 5 stars. It offers robust coverage with options for behavioral and alternative therapy. Preexisting conditions can be covered under certain circumstances, such as no treatment or symptoms for 180 days. However, ligament and knee conditions are still excluded. ASPCA offers accident and illness coverage, accident-only coverage, and a wellness plan.
There are pros and cons to ASPCA pet insurance. You can pay the vet directly, but costs are only average. There’s a maximum annual coverage limit of $10,000, and a Health Assessment Exam is needed shortly after the initial policy effective date. ASPCA offers waiting periods for accident and illness coverage, and age restrictions for buying a new policy range from 8 weeks with no maximum age limit.
ASPCA pet insurance covers a wide array of treatments and conditions under its accident and illness policy, including vet exam fees, cancer treatment, dental accidents, prescription drugs, and more. The accident-only policy is a lower-cost option for injuries related to accidents. ASPCA’s wellness plan offers coverage for routine services like dental cleanings, vaccinations, and deworming.
While ASPCA pet insurance provides broad coverage, there are exclusions such as cosmetic dental services, breeding costs, and grooming. Preventive care services are excluded unless you add a wellness plan. Claims can be submitted within 270 days of service, and ASPCA aims to resolve claims in 30 days or less. The mobile app receives mixed reviews for usability.
ASPCA pet insurance is offered through a partnership with PTZ Insurance Agency and underwritten by Independence American Insurance Co. or United States Fire Insurance Co. It is available in all 50 states and Washington, D.C. Claims can be made for services from any licensed veterinarian in the U.S., its territories, or Canada. There is no exam required for enrollment, but medical records may be accessed for claims.
To cancel ASPCA pet insurance, contact them via phone or in writing. Premiums will be refunded for any period after the last date of coverage. Contact customer service at 1-866-204-6764 or via email. ASPCA offers a multi-pet discount and the ability to pay the vet directly. The policy can be adjusted during the term, subject to underwriting.
Read more at Yahoo Finance: ASPCA pet insurance review 2025