ASPCA Pet Insurance Review
Insurance specialist
ASPCA Pet Health Insurance is a member, as well as the logo for the long-standing animal rights nonprofit through an agreement for licensing. ASPCA Pet Health Insurance was established in 1997 and prides itself on its status as one of the longest-running pet insurance firms in the United States. It offers accident and injury insurance and an additional wellness option. Prices are reasonable, while the insurance coverage is extensive. Further In this review, will discuss ASPCA Pet Insurance cost plan available coverage and pros & cons.
ASPCA Pet Health Insurance Plans and Coverage
ASPCA Pet Health Insurance is an insurance plan for illness and accidents. So, These plans are among the most well-known insurance for pets and will offer the greatest protection. Further, You can choose to add a wellness program. ASPCA pet insurance doesn’t provide an accident-only insurance plan.
Pet Accident and Illness Coverage
ASPCA Pet Health Insurance offers “Complete Coverage,” which is a complete plan that covers injuries and diseases. Thus, The plan covers costs including:
- Injuries like broken ligaments, torn bones, or toxic ingestion
- Conditions like hypothyroidism, digestive problems, ear infections, and urinary tract infections (UTIs)
- Medical services, such as ultrasonography, MRIs, and bloodwork
- Congenital and congenital disorders like intervertebral disk disease
- (IVDD) (IVDD), eye problems such as heart disease, eye disorders, and hip dysplasia
- Alternative therapies like chiropractic and rehabilitative therapy
- Problems with behavior such as excessive licking and pacing, destructive chewing, and fur-pulling
- Prescription medicines
- Microchip implantation
ASPCA Pet Insurance Add-Ons
Moreover, From annual vaccinations to medication for ticks and fleas, the cost of preventive pet care can quickly mount up. Thus, To offset the costs, Some pet insurance companies offer routine treatment or wellness plans.
Based on the plan you choose, you could be reimbursed for expenses such as:
- Wellness tests
- Dental cleanings
- Prevention of heartworms/fleas
- Screening for blood
- Spay/neuter
- Vaccinations
What ASPCA Pet Health Insurance Doesn’t Cover
Generally speaking, pet insurance does not exclude certain issues from insurance coverage. ASPCA Pet Health Insurance policies do not cover the following:
- Pre-existing conditions
- Cosmetic procedures
- Dental cleaning, root canals, and crowns
- Costs associated with breeding
- Boarding
- The sac of the anal (gland) Expression or Resection
- After-life care
- Intentional injuries
- Vitamins and food supplements are prescribed by a doctor for general or preventive health purposes.
What are the Plans Available For ASPCA Pet Insurance?
Similar to the other insurance companies we looked at, ASPCA Pet Health Insurance offers an accident – and illness medical plan with a variety of coverage, including services like emergency assistance and chemotherapy, prescriptions, and dental treatment.
Pet owners may choose to purchase an accident-only policy, which includes things like the ingestion of toxic substances as well as broken bones and injuries resulting from accidents.
Pet owners have the option of choosing between deductible amounts that range between $100 and $500, as well as the reimbursement rates range from 70 to 90 % to 90 percent. When a policy is purchased, a waiting period of 14 days prior to the coverage beginning. According to the company, claims are handled in 30 or fewer days.
Pros & Cons of ASPCA Pet Insurance :
Further In this review, will discuss pros and cons of ASPCA Pet Insurance below:
Pros :
- It Covers cats, dogs, and horses as well.
- It Covers the veterinarian office visit fee for pet illness or injury.
- It covers pet microchipping.
- No Examination is required to enroll your pet.
- Has 24/7 Customer support
Cons :
- You can face delays in the claim process. It can take up to 30 days.
- There is No standalone wellness plan Available.
- Only $10,000 is the highest annual coverage option.
- They offer an accident-only plan.
Waiting Period :
It’s common to think that insurance coverage starts from the moment you purchase a pet insurance plan. However, that’s not the situation. Insurance companies for pets provide a specific period of time that you have to be patient until your insurance coverage begins to kick into effect after the purchase, also called the waiting time.
Furthermore, certain insurers offer different waiting times for illnesses, accidents, and other conditions that are chronic.
ASPCA Pet Health Insurance has an insurance policy with a 14-day illness and accident waiting time. The waiting period for illnesses generally tends to be around 14 days with different pet insurance companies. Generally, There is an insurer that has a 2- or 3-day waiting period for certain accidents, like Pets Best and Embrace.
Cost :
The cost for ASPCA pet insurance for dogs and cats depends on various factors, including breed, age, gender, and zip code of each individual animal; however, according to their website, sample rates for each species are approximately $36.64 and $16.16 monthly, respectively.
There are some factors which can affect the cost of ASPCA Pet Insurance :
- Breed
- Age
- Gender
- Zip code
ASPCA Pet Insurance Review By Insurancheck
ASPCA pet medical insurance plan covers important things like vet exam costs, prescriptions, hospitalizations, and emergency services. Thus, It’s the sole insurer in our rating that offers coverage for horses.
A higher deductible and lower reimbursement percentages, as well as coverage limits, could result in lower costs. This could mean that you will have to have to pay more to cover vet expenses.
In addition to its primary health plan, ASPCA Pet Health Insurance provides a plan that is accident-free. The Preventive-care insurance, which covers things such as vaccinations, spaying and neutering, regular check-ups, and dental cleanings – can be purchased as an additional benefit. Before purchasing a quote, compare it with other Pet Insurance providers as well.
