ASPCA Pet Insurance Review 2022: The Best Coverage for Your Furry Friend
Pet insurance can be complicated. If you want to make sure that your fur baby has the best coverage, it’s important to understand all of the different components of pet insurance and what they cover. By reading this ASPCA pet insurance review, you’ll be able to compare different companies and get the right plan for your dog or cat.
About health pet insurance
ASPCA is a nonprofit organization that operates animal sanctuaries and programs to help abused and abandoned animals. Its insurance plans are intended to cover your pet, but it doesn’t offer much information about its policies, so you may have to call customer service if you want more info. For now, here’s what we can tell you about ASPCA pet insurance You must be at least 18 years old to purchase coverage; your pet must be at least eight weeks old; there’s no maximum age limit; and no breed restrictions apply. The plan comes with an annual deductible of $100, which is relatively low compared with other insurers in our lineup.
Keep in mind, there’s no such thing as a pet insurance plan per se; you pay monthly and submit claims when your animal needs veterinary care. What sets one insurer apart from another?
● One of Aspca’s biggest advantages is its size;
● it has more than 1.2 million customers nationwide and covers nearly 25% of insured pets in America.
● This gives it better negotiating power with vets and allows it to offer lower prices on services like surgical procedures.
● Aspca pet insurance are not as cheap as expected.
● If your pet is suffering from serious illness, it might cost you much money to take care of them.
● As an example, if your dog has broken leg and need surgery which costs $2000 then your insurance coverage is limited to $300.
● Also It does not cover common conditions like kennel cough and fleas that all dogs get from time to time.
What Does ASPCA Pet Health Insurance Cover?
ASPCA pet insurance covers many of your regular routine veterinarian visits, including wellness exams, vaccinations and preventative care. It also covers a lifetime of care in case anything ever happens to your best friend. If your dog develops a condition requiring prolonged treatment or hospitalization, you can be sure ASPCA will pay up to $5,000 each year. In addition to these coverage limits, you’ll be reimbursed 100 percent of expenses if an accident or illness causes your pet to suffer amputation or disfigurement. You’ll also receive reimbursement for heartworm testing, flea prevention treatments and more than 50 other items on ASPCA’s extensive list of covered services.
Additionally, ASPCA offers two types of plans—preferred and standard—to meet your needs. With preferred plans, you’ll enjoy unlimited annual coverage with no deductible while standard plans include a $250 annual deductible but provide unlimited coverage after that point. When it comes time to file a claim, make sure you save all documentation related to your pet’s health and treatment so that you have proof when filing claims with ASPCA.
What ASPCA Pet Health Insurance Doesn’t Cover
When you purchase a policy from ASPCA, your pet is protected against some of life’s biggest risks. However, all health insurance policies have exclusions and conditions that aren’t covered. If your pet is hit by a car, treated for cancer or needs surgery, he may not be covered. Read on to learn more about what ASPCA doesn’t cover.
(1) Cancer Treatment Cancer treatment isn’t generally included in most veterinary health insurance plans. However, there are exceptions, so it’s best to check with your provider before assuming coverage isn’t available for specific forms of cancer treatment such as chemotherapy or radiation therapy.
(2) Non-Accidental Injury Even if you purchased an accident-only plan, if your pet was intentionally injured—by a human—you won’t be covered under ASPCA pet insurance. This includes abuse by family members, strangers or animals.
(3) Accidents While accidents can happen at any time, they do not always qualify for ASPCA pet insurance coverage. For example, if your dog gets into a fight with another animal while walking through his neighborhood and suffers injuries requiring emergency care, he may not be covered.
In fact, unless your plan specifically states otherwise, accidents must occur outside of your home in order to qualify for reimbursement.
ASPCA Pet Insurance Waiting Periods
A review of ASPCA pet insurance policies show that there are waiting periods before coverage kicks in. They’re different for each policy, but a good rule of thumb is that your dog needs to be without fleas and without worms before coverage begins. Some policies may cover pre-existing conditions, others won’t. Before purchasing pet insurance, you should know what kind of animal you have and find out about any existing health issues. Policies also vary by breed. If you want to buy ASPCA pet insurance, check out our reviews first so you can make an informed decision.
ASPCA Pet Health Insurance Routine Wellness Plan
ASPCA Wellness Plans are customized and tailored to each pet’s specific health needs. All plans include coverage for annual wellness visits, which are critical in detecting any diseases or conditions early on. If you opt for a ASPCA Complete Care Plan, our veterinarians will conduct a full physical exam as well as internal and external parasite screenings every year. That way, any health issues can be caught early on before they get worse or spread to other pets. In addition, all of our plans cover up to 80% of eligible expenses should your pet require medical attention. This means that if your dog gets sick and requires surgery, we’ll cover up to 80% of that cost—up to $1,000 per condition per year—as long as it is deemed medically necessary by one of our veterinarians. We also offer dental care with select plans so that your furry friend can keep his teeth clean and healthy throughout his life.
ASPCA Pet Health Insurance Coverage Levels
Just as with human health insurabnce, there are different levels of coverage that can be obtained through ASPCA pet insurance. Depending on your needs and preferences, you can choose a plan that is appropriate to your situation. Each ASPCA pet insurance level comes with various deductibles and limits, so it’s important to carefully consider each option before deciding on one. For example, if you have multiple pets or an expensive breed of dog or cat, you might want to opt for a higher deductible in order to receive lower premiums. However, if your furry friend has had any serious medical issues in the past, then choosing a higher deductible may not be feasible because it could potentially result in paying more out-of-pocket costs when filing claims.
As always, comparison shopping is key when selecting an ASPCA pet insurance policy—and don’t forget about customer service! Different plans will offer varying levels of support and assistance, so make sure to ask plenty of questions regarding how quickly you can expect responses from their team. That way, you won’t end up waiting around too long for help should an emergency arise. Additionally, find out whether or not they provide a mobile app that allows you to file claims on-the-go while still receiving immediate support via phone call or email.
How to Save Money on ASPCA Pet Health Insurance
One of your biggest priorities when getting a pet is to make sure that they are well taken care of—after all, they depend on you. One way to ensure that you have peace of mind when your dog or cat becomes sick is to enroll them in an ASPCA health insurance plan. While ASPCA health insurance can be expensive, it may help you pay less out-of-pocket when it comes time to take your pet in for treatment.
Because ASPCA health insurance plans are administered by some of America’s top pet insurance companies, such as Nationwide, MetLife, and Pets Best Insurance (to name just a few), you will gain access to thousands of veterinarians nationwide—many of whom offer low fees or discounts to their clients.
While ASPCA offers a number of pet insurance plans that are rated highly, it’s important to choose wisely. Depending on where you live and what level of coverage you need, prices may vary significantly. To find out more about ASPCA pet insurance plans and pricing, visit its website. You can also call 1-800-628-0028 to speak with an agent directly.
Aspca pet health insurance Pre-Existing Conditions
This is a sensitive topic, and your best bet is to know what you’re getting into before purchasing pet insurance. Many plans will cover preexisting conditions in your pet—but others won’t. It all depends on whether or not you carry over an existing policy or choose a new one. With ASPCA Pet Insurance, you can move an old policy (and any associated preexisting conditions) over to their plan. This reduces headaches in terms of coverage and saves you money, too! You may be eligible for discounts based on your pet’s age and breed, as well. In general, older pets are more expensive to insure because they are more likely to develop chronic health issues later in life.
Aspca Pet health Insurance cost and plan
When it comes to pet insurance plans, there are two main types of coverage. The first is accident-only, which will only cover your dog or cat if they suffer an injury or illness. Accident-only plans also do not cover pre-existing conditions. This plan is great for people who know their pet is in good health and don’t want to pay a lot each month.
Positives & Negatives
Of course, ASPCA has its benefits, but it also has a few drawbacks. First off, it’s really easy to sign up for their insurance plan—just fill out their online application and you’re set. If you want to apply over the phone or in person, no problem! They offer toll-free customer service from 9 AM to 5 PM EST Monday through Friday, as well as Saturday from 10 AM to 3 PM.
There are two major negatives to consider with ASPCA pet insurance. First, you must purchase a policy within 14 days of your pet’s arrival at home. For example, if you adopt a new dog or cat on June 3, 2017, you will have to purchase an ASPCA plan no later than June 17th or risk being denied coverage for that animal. A total of 20 companies offer pet insurance in America today; only 6 require such a short purchase window as ASPCA. This is extremely inconvenient and can be a deal-breaker for many people who want to make sure their pets are covered before they take them home.
Second, ASPCA doesn’t cover pre-existing conditions—meaning it won’t pay out any claims related to issues your pet had prior to getting insured by ASPCA.
ASPCA offers top-notch pet insurance coverage at a great price. If you’re looking to insure your pet, they should be your first stop!
Our one small complaint with ASPCA is that they do not offer dental or vision coverage. You can add dental and vision care on as a rider, but we found many other companies are more generous in their base plans than ASPCA. We hope that if people consider other pet insurance options with better base coverage, then maybe someday all pets will have access to these important types of care through their insurance providers.