ASPCA’s pet insurance product is administered by C&F Insurance Agency, a company established in 1997. The insurance policies are underwritten by the United States Fire Insurance Company, which holds an impressive A.M. Best rating of A (Excellent) for its financial strength and claims-paying capabilities.
ASPCA Pet Insurance offers a variety of plans, providing coverage for accidents and illnesses or solely for accidents.
The organization’s standout plan, Complete Coverage®, comes with annual benefit caps ranging from $5,000 to unlimited, without any per-condition caps or special limits for eligible congenital and hereditary conditions.
ASPCA also offers additional options like Accident-Only coverage and Preventative Care Coverage, available for an extra cost.
Similar to most pet insurers, ASPCA’s plans do not cover pre-existing conditions that manifest symptoms or occur before the policy’s effective date or during the waiting period.
However, if your pet remains free from symptoms, treatment, and is fully cured for a continuous period of 180 days, the condition will no longer be considered pre-existing, except for knee and ligament conditions. If a knee or ligament condition arises before the coverage becomes effective or during the waiting period, any future claims related to those conditions will not be covered.