ASPCA Pet Health Insurance is offered by Hartville Pet Insurance Group, one of the oldest and largest pet insurance providers in the US. Through their relationship, Hartville designed four increasing levels of pet insurance plans which can be customized to fit a wide range of needs and budgets.
Insurance Underwriter: United States Fire Insurance Company
A.M. Best Rating: A (Excellent)
Customizable plans: yes
Maximum payout per incident: varies by plan, $2,500 – $7,000
Maximum payout per year: unlimited (exception – alternative and behavioral treatments)
Maximum lifetime payout: unlimited
Waiting period (may vary by state): 30 days for illnesses, 6 months for hereditary and congenital conditions, and 12 months for knee and ligament injuries, such as Anterior Cruciate Ligament (ACL)
Wellness coverage available: yes
Alternative therapies coverage available: yes
Behavioral treatment coverage available: yes
Deductible type: annual
Maximum age to enroll: 12 years for dogs, 14 years for cats (no age limit for accident only plans)
Lifetime coverage available: yes
Discounts available: Multi-pet discount, pay premium annually
These features may vary by state.
The ASPCA Pet Health Insurance provides dog and cat insurance to cover accidents, illnesses, and other facets of pet health care. All of the following plans are tailored to fit you and your pet’s needs by allowing you to choose your own deductible and reimbursement level.
Level One
This plan is designed for those looking for basic, injury-only coverage at a low cost. to be an inexpensive, accident-only plan.
◦ Accidents – such as broken bones, swallowed objects, burns, poison ingestion, etc.
◦ Ongoing conditions (if eligible) – conditions that occur in one plan period and need care after your plan is reissued each year.
◦ Incident limit = $2,500
Level Two
This plan is the most popular plan and designed of pet owners who want illness coverage in addition to the coverage provided by the level one plan. This plan is tailored to fit you and your pet’s needs by allowing you to choose your own deductible and reimbursement level and provides coverage for:
◦ Accidents – such as broken bones, swallowed objects, burns, poison ingestion, etc.
◦ Ongoing conditions (if eligible) – conditions that occur in one plan period and need care after your plan is reissued each year.
◦ Illnesses- provides coverage for treatments such as prescription medications, X-rays, lab tests, surgery, etc. This plan typically takes effect in 30 days (in most states)
◦ Incident limit= $3,000
Level Three
This is the highest level of coverage by increasing the incident limit and covering hereditary/congenital conditions, alternative therapies, and behavioral treatments. This plan is tailored to fit you and your pet’s needs by allowing you to choose your own deductible and reimbursement level and provides coverage for:
◦ Ongoing conditions
◦ Accident
◦ Illnesses
◦ Hereditary and congenital diseases
◦ Alternative therapies
◦ Behavioral treatments
◦ Reimbursement of up to 90%
◦ Incident limit= $5,000
Level Four
The Level Four ASPCA Pet Health Insurance plan boasts generous coverage for almost any health situation your pet may encounter. The program covers everything offered in Level Three, with higher benefits of up to $300 for both alternative and behavioral treatments, as well as a per incident limit of $7,000.
For additional coverage, ASPCA also offers Routine Wellness and Advance Wellness options in all of their plans.
Routine Wellness Care Coverage (limits apply):
◦ Wellness exam
◦ Vaccinations
◦ Fecal screen
◦ Microchip and/or urinalysis
◦ Spay/neuter and/or wellness blood test
Advance Wellness Care Coverage (limits apply):
Provides the same benefits of the Routine Wellness Care coverage with a higher reimbursement level and additional benefits
◦ Wellness exam
◦ Vaccinations
◦ Fecal Screen
◦ Microchip and/or urinalysis
◦ Spay/neuter and/or wellness blood test
◦ Heartworm Test (Dogs) FeLV Test (Cats)
◦ Flea/Heartworm Prevention
◦ Dental Cleaning
Find out which pet insurance plan is right for you and your pet and receive a free quote by completing the form at the top of the page.
