Compare ASPCA Pet Insurance

Comparison Fact Sheet
Updated 9/4/2024

To get the most from these sheets, please read the Guide to Pet Insurance first.



Company Info
Company Name ASPCA Pet Insurance
Also Known As / Affiliates / Partners Also Known As - Waffle

Recently acquired by JAB Holding (a German private equity firm) in 2022
Address 1208 Massillon Road, Suite G200, Akron, Ohio 44306
Phone 1-866-204-6764
Website www.aspcapetinsurance.com
Plans That Provide Both Accident and Illness Coverage Complete Coverage *
States Covered Available in all States
Underwriter and AM Best Financial Strength Rating Insurance is underwritten by Independence American Insurance Company and United States Fire Insurance Company.

Independence American Insurance Company has an AM Best Financial Strength Rating of "A-" and an Outlook of "Stable" as of 9/4/2024.

United States Fire Insurance Company has an AM Best Financial Strength Rating of "A" and an Outlook of "Stable" as of 9/4/2024.

For the most recent ratings go to: AM Best
Year Company Started ASPCA Pet Insurance was originally started in 2006 by Hartville Group.

 

Policy Basics
Policy Term 12 months
Effective Date The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted.
Enrollment Age Pet must be at least 8 weeks old. There is no upper age limit.
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period 14 days for illnesses

14 days for accidents

14 day waiting period for "ligament and knee conditions"

**Waiting Periods can vary by state. See actual policy or contact the company to confirm the waiting periods for your state.
Waiting Period for Cruciate Injury 14 day waiting period for "ligament and knee conditions"

**Waiting Periods can vary by state. See actual policy or contact the company to confirm the waiting periods for your state.
Coverage When Travel Out of State or Country? You may visit any licensed veterinarian in the US, its territories (Guam, Puerto Rico, and the U.S. Virgin Islands) and Canada.
Can the Price of the Policy Increase as my Pet Ages? Yes, the policy premium can increase as your pet ages. The premium may also increase due to inflation or other reasons.

Contact ASPCA Pet Insurance for more information on when and by how much your premium may increase.
Does Coverage Stop Due to Age? No
What Happens when the Policy Renews? Chronic conditions will continue to be covered each year as long as you do not go over your Maximum Payout.

(See 'Max Payout' section below)
Can the Price of the Policy Increase if a Claim is Filed? No
Choice of Vet? You may visit any licensed veterinarian in the US, its territories (Guam, Puerto Rico, and the U.S. Virgin Islands) and Canada.
Money Back Guarantee? There is a 30 day money back guarantee. They will refund your money in full as long as you have not filed a claim.

**May Vary By State
Surcharge for Visiting a Specialist or Emergency Clinic? No
Referral needed to Visit a Specialist? No
Pre-certification Required? No
Additional Requirements **See actual policy or call the company for a complete list of the requirements you are expected to adhere to in order to maintain coverage.
Pet Insurance Policy Available for Pre-Purchase Review? Sample policy available online

 

What's Covered
Species Covered Dogs and Cats
Accident/Injury -
Baseline Coverage 		Covers exams, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.
Illness Coverage -
Baseline Coverage		 Covers exams, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.
Behavioral Therapy Coverage [INCLUDED]
Treatment for behavioral problems are covered if performed by a veterinarian or through a written referral by a veterinarian to an Applied Animal Behaviorist, Certified Applied Animal Behaviorist (CAAB), Associate Certified Applied Animal Behaviorist (ACAAB) or Diplomat of the American College of Veterinary Behaviorists (Dip ACVB).


**See actual policy or contact ASPCA Pet Insurance for a complete description of what types of Behavioral Therapy are covered
Alternative Therapy Coverage [INCLUDED]
Alternative Therapy is covered when performed by a veterinarian or at a facility with a supervising veterinarian on staff.


**See actual policy or contact the company for a complete description of what types of Alternative Therapy are covered
Pre-existing Conditions Policy Pre-existing conditions are not covered.

However, they may no longer consider a condition to be pre-existing if your pet has been cured of it and without treatment for it or symptoms of it for 180 days, with the exception of "knee and ligament conditions".

Based on their sample policy, their definition of 'ligament and knee conditions' is "..Conditions involving a ligament, the meniscus, the patella or soft tissue issues of the knee."

According to their sample policy on their website, a pre-existing condition is an "...Illness, disease, injury, or change to your pet's health that first occurs or shows symptoms before coverage is effective or during a waiting period. This includes conditions that are related to, secondary, or resultant from a pre-existing condition."

**See actual policy or contact ASPCA Pet Insurance for a complete description of their pre-existing conditions policy.
Hereditary & Congenital Conditions Coverage [INCLUDED]
Hereditary and congenital conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

These conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Continual Coverage for Chronic Conditions [INCLUDED]
Continual coverage for chronic conditions is included with the policy.

Chronic conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Chronic Conditions Policy Chronic conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

Chronic conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Cancer Coverage [INCLUDED]
Cancer conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.
Cancer Coverage Limits Cancer conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Hip Dysplasia [INCLUDED]
Hip Dysplasia is covered as long as it is not pre-existing and has not occurred during the waiting period.

This condition is covered up to the Maximum Payout. (See 'Max Payout' section below)
Prescription Drug Coverage [INCLUDED]

Must be prescribed by a veterinarian and approved by the Food and Drug Administration (FDA)

**See actual policy or contact ASPCA Pet Insurance for a full list of inclusions and exclusions
Pregnancy Coverage [NO]
Routine/Wellness Coverage [OPTIONAL]

Routine/Wellness Coverage is available for an additional fee.


**See actual policy or contact ASPCA Pet Insurance for a complete description of their Wellness Coverage
Vaccinations [OPTIONAL] - See Routine/Wellness Coverage above for details
Spay/Neuter [OPTIONAL] - See Routine/Wellness Coverage above for details
Dental Care (Routine) [OPTIONAL] - See Routine/Wellness Coverage above for details
Dental Care (Illness/Accident) [LIMITED COVERAGE]
Tooth extractions are covered when applicable to an illness or injury.

They do not cover orthodontic or endodontic dental services such as, root canals, crowns, caps, etc.

Dental cleanings used to treat a covered illness are covered.

**See actual policy or contact ASPCA Pet Insurance for a full list of inclusions and exclusions.
Bilateral Conditions Policy They will not cover a "ligament and knee condition" if ANY "ligament and knee condition" occurred before your policy effective date or during the waiting period. For example if a dog has been diagnosed with a cruciate tear in their left knee before the effective date or during the waiting period, a cruciate tear in the right leg will not be covered. Even if it happens after the waiting period.

Based on their sample policy, their definition of 'ligament and knee conditions' is "..Conditions involving a ligament, the meniscus, the patella or soft tissue issues of the knee."

It is not clear if there are any other bilateral conditions that fall under this exclusion.


**Contact ASPCA Pet Insurance for a complete list of medical conditions that are considered bilateral for the purpose of exclusion and for a complete description of their Bilateral Conditions Policy.
Coverage - Overview
(please read policy for full coverage details)		 Diagnostics and treatments due to illness and accidents.

[Included] Cancer, Prescription Medications, Behavioral Therapy, Hereditary/Congenital coverage, Alternative Therapy, Dental Illness/Accident (limited coverage), Continual Chronic Conditions Coverage (Refer to each category's section for limitations)

[Optional] Routine/Wellness Care, Routine Dental Care (Refer to each category's section for limitations)


**See actual policy or contact the company for full list of inclusions, exclusions, limitations and conditions.
What's not Covered - Overview
(partial listing, please read policy for full details)
  • Pre-existing conditions
  • Conditions that occur during the waiting period
  • Boarding, grooming and grooming supplies
  • Costs from breeding or pregnancy
  • Organ Transplants
...See policy for a complete listing

 

How The Policy Works
Reimbursement Choose from 70%, 80%, or 90%
Deductible Annual Deductible

Choose from $100, $250, or $500
Flat Deductible vs % Deductible Flat
Deductible Per Incident vs Annual Deductible Annual Deductible
How is Reimbursement Determined Reimbursement is based on Actual Costs

Reimbursements are calculated by subtracting the deductible before applying the reimbursement percentage.
Max Payout Annually Choose from $2,500, $5,000, $7,000, or $10,000
Max Lifetime Payout This plan does not have a lifetime maximum payout.
Max Payout per Incident This plan does not have a maximum payout per incident
Max Payout Based on Body System These companies do not have a maximum payout based on body system
Client Reimbursed or Vet Paid Directly You pay the veterinarian and then you are reimbursed after you file the claim.

 

Pricing
Approximate Monthly Costs Approximately $20 - $89.00 depending on plan, species, location, etc.

 

Additional Info
My Review ASPCA Pet Insurance Review
What are Customers Saying? PetInsuranceReview.com and Yelp.com

Also check with your state's Department of Insurance to see if any complaints have been filed for this company
Better Business Bureau bbb.org

Under Crum & Forster Pet Insurance Group.
Additional Info  

*The information in the above charts does not apply Accident Only coverage. Please contact the company for details about their Accident Only Policy.

**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by contacting the company or reading the most current policy for your state. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.

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