ASPCA Pet Insurance Review

Overview

ASPCA Pet Health Insurance, a pioneer in the industry and the sole provider offering horse insurance, has been safeguarding beloved pets since its establishment in 2006. In partnership with the American Society for the Prevention of Cruelty to Animals (ASPCA), Independence Pet Group, Inc. underwrites policies through the United States Fire Insurance Company. Our comprehensive review has awarded ASPCA Pet Health Insurance a stellar 4.8 out of 5 stars, earning its distinction as our preferred choice for older pets.

Pros and Cons

Pros:

1. Inclusive Coverage: Standard policies cover exam fees and microchip implantation.

2. Affordable Accident-Only Plan: Offers a budget-friendly plan specifically for accidents.

3. Wellness Care Options: Two wellness care plans with varying coverage levels and rates.

Cons:

1. Annual Coverage Limit: A maximum annual coverage limit of $10,000, which might be limiting for some pet owners.

2. Waiting Period: A 14-day waiting period for accidents, slightly longer than some competitors.

Plans & Coverage

Accident-Only Plan

Ideal for those focused on accident coverage, this plan ensures your pet is protected from injuries and emergencies like bite wounds, cuts, broken bones, and toxic ingestions.

Complete Coverage Plan

For comprehensive protection, this plan covers accidents listed in the Accident-Only plan and extends coverage to illnesses such as cancer, arthritis, hip dysplasia, and behavioral disorders.

Preventative Care Add-Ons

• Preventative Basic: $9.95/month, providing $250 of annual coverage for routine care.

• Preventative Prime: $24.95/month, offering a more comprehensive plan with $450 of annual coverage.

  
  

Exclusions

ASPCA Pet Health Insurance adheres to industry standards, excluding pre-existing conditions, defined as ailments showing symptoms before coverage or during the waiting period. It doesn't cover boarding, breeding, elective procedures, grooming, and other services. Refer to the sample policy for a detailed list.

Customizations

Tailor your pet's coverage with the following options:

• Annual Deductibles: $100, $250, or $500

• Annual Coverage Limits: $3,000, $4,000, $5,000, $7,000, or $10,000 (additional limits available)

• Reimbursement Rates: 70%, 80%, or 90%

Premiums

Premiums vary based on species, age, and location. A 10% multi-pet discount is available. Sample monthly premiums for the Complete Coverage Plan in Columbia, S.C., with an $5,000 annual limit, 80% reimbursement, and $250 deductible:

Discounts and Deals

ASPCA Pet Insurance offers a 10% discount for multi-pet policies.

Reviews

While some customers praise the fast claims process and easy billing, others express concerns about lower-than-expected reimbursements and delays. ASPCA Pet Health Insurance emphasizes its commitment to providing the best customer experience and processing claims efficiently.

Note: Coverage and reimbursement percentages depend on chosen policy terms.

conclusion

ASPCA Pet Health Insurance stands as a reliable choice for pet owners, especially those with older pets. With its compassionate coverage and flexible options, it ensures your furry family members receive the care they deserve.