ASPCA pet insurance has received a rating of 4.3 out of 5 stars. The policies include robust coverage, with options for behavioral therapy and alternative treatments that are often harder to find with other insurers. However, average premiums are higher than the industry average.
One notable feature is the potential coverage for certain preexisting conditions. If a pet's preexisting condition is curable and has shown no symptoms or required treatment for 180 days, it may be covered as a new occurrence. Ligament and knee conditions remain excluded from this provision.
Policyholders have 270 days to submit claims after treatment dates, and there is no upper age limit for pets. Direct payment to veterinarians is possible, but requires the vet to submit the claim on the policyholder's behalf.
Average premiums for a plan with $5,000 in annual coverage stand at $88.67, slightly above the industry average. For unlimited annual coverage, the average premium is $215.32, significantly higher than average. A 10% multi-pet discount is available for additional pets, though discounts may vary by state.
Claim processing typically takes 30 days or less from receipt. The company's mobile app has received poor reviews, with ratings of 2.2 out of 5 stars on the App Store and 2.5 out of 5 stars on Google Play. Users report frequent crashes and login problems, though the app does allow claim submission and benefit viewing.
ASPCA pet insurance is offered through a partnership with PTZ Insurance Agency, not directly by the ASPCA organization itself. Policies are underwritten by either Independence American Insurance Co. or United States Fire Insurance Co. Coverage is available in all 50 states and Washington, D.C., with claims accepted from licensed veterinarians in the U.S., its territories, and Canada.
No veterinary exam is required for enrollment, though the company may access medical records when claims are submitted. Customer service can be reached at 1-866-204-6764 Monday through Friday, 8 a.m. to 8 p.m. ET, or via email at [email protected].
Policy coverage can be increased or decreased during the term, though such changes may require underwriting and could reset waiting periods. Cancellation requires contact by phone or in writing, with refunds provided for any prepaid premium beyond the coverage end date.