ASPCA

ASPCA

ASPCA Pet Health Insurance

ASPCA Pet Health insurance is underwritten by United States Fire Insurance Company and offered by the Hartville Group, Inc. ASPCA® (American Society for the Prevention of Cruelty to Animals) which has a long history and was America’s first animal welfare organization. It was founded by Henry Bergh in 1866 in order prevent animal cruelty. Hartville is dedicated to pet health and adhering to the ASPCA®’s norms for the humane treatment of animals.

Hartville Group/ASPCA Policy Information
Address
Canton, Ohio
Insures
Cats and Dogs (at least 8 weeks – 13 years old).
Coverage

Four different policies for cats and dogs. All four plans offer a reimbursement of 90% of all vet bills.

Level 1:
• Ongoing Conditions (e.g. allergies, cancer or diabetes)
• Accidents
Level 2– includes all of the above and:
• Illnesses
Level 3– includes same as level 1 and 2, as well as:
• Hereditary and congenital diseases
• Alternative therapies
• Behavioral treatments
Level 4– includes same as level 1 and 2, as well as:
• More benefits

Not included
• Pre-existing conditions
• Inhumane treatment
• Breeding
• Pregnancy
• Grooming
• Special foods or nutritional supplements
• Alternative therapies
• Foreign object ingestions (if more than once per policy term)
• Dental injuries (unless resulting from accident or injury)
Any Vet?
Yes
Policy Duration
12 months
Deductibles

Annual Deductibles ranging from $100, $250, $500.

Coverage Pricing

Starts at $7.50/months. Price depends on level chosen, breed, location, age, etc. Plans don’t have a maximum or lifetime payout, but have maximum incident payouts depending on the level.

Level 2 Incident Limit $3,000
Level 3 Incident limit $5,000
Level 4 Incident limit $7,000
Co-Pay: 10%

Additional Information
The ASPCA is also dedicated to other programs such as animal poison control which helps pet owners if their pets ingest toxic substances. They’ve also established spay/neuter clinics, pet loss support services, an Animal Behavior Center and the Bergh Memorial Animal Hospital. Moreover, the ASPCA supports programs which put an end to unnecessary euthanasia of adoptable pets and fights for any kind of pet-positive national legislation. Includes a 30-day trial.
Rating
–coming soon!–

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*Pet owners in New York get a pro-rated refund.