Is ASPCA Pet Health Insurance Legit? Overview, Coverage, Financials, Reviews, Benefits and Drawbacks

Veterinary care expenses have gone up a lot lately, making it hard for many pet owners to pay for unexpected medical costs.

ASPCA Pet Health Insurance is now a common choice for pet owners who want financial protection for their pets.

Before choosing any insurance plan, it’s important to know if it’s legitimate, what it covers, the financial details, and what customers say.

This article explores these things to help you decide if ASPCA Pet Health Insurance is right for you and your pet.

Is ASPCA Pet Health Insurance Legit?
ASPCA Pet Health Insurance enjoys predominantly positive customer reviews. On ConsumerAffairs, they have a 4.8 out of 5-star rating based on over 4,500 reviews [Photo: Hepper]

Is ASPCA Pet Health Insurance Legit?

ASPCA Pet Health Insurance results from a collaboration between the American Society for the Prevention of Cruelty to Animals (ASPCA) and Crum & Forster Pet Insurance Group.

The ASPCA, an esteemed animal welfare organization since 1866, and Crum & Forster, with an impressive A+ (superior) financial strength rating from A.M. Best, guarantee the legitimacy and financial stability of ASPCA Pet Health Insurance.

Coverage Options

ASPCA Pet Health Insurance provides different coverage options to suit various needs and budgets. Let’s break it down:

  1. Accident-Only Plan: This plan covers accidents like broken bones, cuts, and ingesting harmful substances. It’s a wallet-friendly choice for pet owners who mainly want coverage for unexpected accidents.
  2. Accident & Illness Plan: This comprehensive plan covers both accidents and illnesses, such as cancer, arthritis, and hereditary conditions. It gives pet owners a broader sense of peace of mind about their pet’s overall health.
  3. Wellness Care Add-On: This addition reimburses routine preventive care expenses, including vaccinations, spaying and neutering, and yearly checkups. It encourages preventive healthcare, helping pet owners save on regular vet visits.
  4. Behavioral Therapy Add-On: This addition covers the expenses of behavioral therapy sessions, assisting pet owners in addressing behavioral issues like anxiety, aggression, and separation anxiety.
  5. Alternative Therapies Add-On: This addition covers alternative treatments like acupuncture, hydrotherapy, and chiropractic care. It’s suitable for pet owners who are open to alternative approaches to managing their pet’s health.

Financial Strength and Ratings of ASPCA Pet Health Insurance

Is ASPCA Pet Health Insurance legit?
The company offers pet insurance through a partnership between the American Society for the Prevention of Cruelty to Animals (ASPCA) and Crum & Forster Pet Insurance Group. [Photo: ABC Action News]
ASPCA Pet Health Insurance is financially strong and has a good reputation for paying claims.

This makes it a good choice for pet owners who are looking for a reliable and trustworthy pet insurance provider.

Financial Strength

Crum & Forster Pet Insurance Group, a subsidiary of Crum & Forster Holdings Corporation (CF), underwrites ASPCA Pet Insurance.

CF, a sizable insurance holding company, has a robust financial history and a reputation for promptly settling claims.

Here are some key financial strength indicators for CF:

  • A.M. Best Rating: A+ (Superior)
  • Financial Size Category: Class IX
  • Total Assets: $20.6 billion
  • Surplus: $6.2 billion

These indicators demonstrate that CF has a strong financial foundation and is well-positioned to meet its financial obligations in the future.

ASPCA Pet Health Insurance’s Ratings

ASPCA Pet Insurance receives positive ratings from various independent review organizations. Here are some examples:

  • U.S. News & World Report: Tied at No. 5 in their ranking of the Best Pet Insurance Companies of 2023
  • NerdWallet: 4 out of 5 stars
  • ConsumerAffairs: 4.8 out of 5 stars based on over 4,500 reviews
  • TrustPilot: 4.7 out of 5 stars based on over 2,200 reviews
Is ASPCA Pet Health Insurance legit?
ASPCA Pet Health Insurance may be more expensive than some competitors, especially for older pets or breeds prone to health problems. [Photo: YouTube]

Customer Reviews and Feedback

Customers generally give ASPCA Pet Health Insurance positive reviews. On ConsumerAffairs, the company holds a 4.8 out of 5-star rating from over 4,500 reviews.

Users appreciate the company’s user-friendly approach, extensive coverage choices, and prompt customer support.

However, a few customers have voiced worries about elevated premiums and delays in processing claims.

Benefits of Choosing ASPCA Pet Health Insurance

  1. Peace of mind: Choosing ASPCA Pet Health Insurance offers peace of mind, assuring you that your pet is covered for unexpected veterinary expenses.
  2. Financial protection: The insurance provides financial protection, preventing the burden of unpredictable medical costs from affecting your budget.
  3. Early detection and treatment: Comprehensive coverage encourages preventive care, facilitating early detection of potential health issues in your pet.
  4. Access to specialized care: With insurance, expensive treatments and specialized care become more accessible, ensuring your pet receives the necessary attention.
  5. Partnership with ASPCA: By opting for ASPCA Pet Health Insurance, you not only safeguard your pet but also contribute to the ASPCA’s mission of animal welfare, as a portion of your premium supports their initiatives.

Is ASPCA Pet Health Insurance Legit? Drawbacks

  1. High premiums: ASPCA Pet Health Insurance may come with higher premiums, particularly for older pets or breeds prone to health problems, making it a costlier option compared to some competitors.
  2. Limited coverage: ASPCA Pet Health Insurance may not cover certain pre-existing conditions and hereditary issues, thereby restricting the extent of protection for your pet’s health.
  3. Claim processing time: Some customers have experienced delays in the processing of claims with ASPCA Pet Health Insurance, leading to inconvenience and frustration in receiving reimbursements for veterinary expenses.
  4. Monthly payment fee: There is a small fee associated with each monthly payment for the insurance, adding an extra cost that pet owners need to consider when budgeting for their pet’s healthcare.

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