ASPCA Pet Insurance Review
ASPCA pet insurance offers a variety of plans, whether you want complete coverage or just need to be covered in case of accidents. You get to choose your deductibles and benefit limits.
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| Monthly Premium | As low as $8 |
| Deductible | $100, $250, $500 annually |
| Benefit Limits | No lifetime limits>/span> |
| Age Restrictions | Minimum: 8 weeks |
If you have a pet, you may have heard your veterinarian talking about pet health insurance. If you’re not quite sure what that is, it’s like the health insurance you have – except it’s for your animal. And the good news is, it’s much more affordable for pet owners.
If your animal gets injured or sick, having pet insurance will allow you to get them the treatment they need while giving you peace of mind about how to pay for care.
ASPCA is one company that provides pet insurance. Depending on your policy, ASPCA pet insurance provides coverage for accidents, illnesses, hereditary conditions, and behavioral issues. This ASPCA pet insurance review will help you look at your options to decide if this coverage is right for you.
In this review:
ASPCA Pet Insurance Overview
ASPCA pet health insurance has been supplying pet insurance and other financial assets since 1997. It was one of the first pet insurance providers in the country. Since that time, they’ve processed over 1.6 million claims.
They offer a variety of plans, including complete coverage, accidental only coverage, and preventative care add ons if you also want wellness coverage.
ASPCA Pet Insurance Coverage
Complete Coverage Plan
If you opt for complete coverage care plans with ASPCA insurance company, you’ll be covered for exam fees, treatment, and diagnostic costs for accidents, illnesses, hereditary conditions, and behavioral issues. You’ll pay your vet bill, submit your claim, and get money back for your expenses.
The amount you get back will depend upon your annual deductible and which reimbursement percentage you choose for your package when you enrolled in the program. You can opt to get reimbursed for 90% coverage, 80% coverage, or 70% of your covered bill. You’ll also have to pay your deductible. You choose between a deductible of $100, $250, or $500.
Policies also have annual limits. When you sign up for coverage, benefit limits include $5,000, $10,000, $15,000, or $20,000.
Accident-Only Plan
If you don’t want the complete coverage package, you can get accident-only coverage. This would only cover exams fees, treatment, and diagnostic costs for injuries resulting from an accident.
Preventative Care Add On
If you want coverage for preventive care too, you can tack it on to your base plan for an additional cost every month.
There are important exclusions that you should be aware of, including pre-existing conditions, cosmetic procedures, and breeding costs.
ASPCA Pet Insurance Cost
Your cost depends what plan you choose and premiums also vary based on deductibles and coverage maximums. Premiums can range between $8 to $80. This is competitive with other pet insurance companies.
If you need to keep your ongoing costs low, opt for the higher deductible and a smaller annual payout limit. But keep in mind, if your pet has issues, you could be paying far more per year than you would have had to if you had complete coverage.
Pros & Cons of ASPCA Pet Insurance
Pros
- When you buy pet insurance through the ASPCA, you can tailor your policy to fit your needs – it’s not one size fits all coverage. You get to decide which plan you want, how much of a deductible you’ll have, and even what your annual coverage limit is.
- There is no waiting period for accident coverage with ASPCA pet insurance.
- As one of the more established pet insurance providers, ASPCA pet health insurance also has a long record of customer satisfaction in a fairly new industry.
Cons
- According to some customer reviews, claims made with ASPCA pet insurance aren’t always processed in a timely manner. A delay can leave you out the money you’ve paid to your vet for quite a while. It can take up to six weeks to receive your reimbursement for services your plan covers.
- If you have a pet with a pre-existing condition, that condition isn’t eligible for coverage. Keep in mind, however, that this is the case with most providers.
ASPCA Pet Insurance Availability
ASPCA is available throughout the United States and you can file your claims online quickly and easily.
Contacting ASPCA Pet Insurance
You can submit a claim in the member center online or through the ASPCA app. Just hit the claims button, explain what happened to your pet, and take a picture of your bill.
Pet parents can also mail in a claim or send it by fax, but the quickest way to get your claim underway is to use the app.
If you have questions about your insurance policy or about your pending claim, you can call the customer service department at 866-204-6764. It’s open Monday to Friday from 8 a.m. to 9 p.m. EST, as well as Saturday from 9 a.m. to 5 p.m. and Sunday from 11 a.m. to 3 p.m.
Bottom Line
If you want a trusted company for your pet insurance needs, ASPCA fits the bill. It has a record of outstanding customer service, and although it might take a while to process the claim, you’ll be doing business with a company that has been one of the frontrunners in the pet insurance industry.
Learn more about Crum & Forster—the provider of ASPCA’s pet insurance—in our interview with their VP of Pet Insurance Groups, Liz Watson.
My 9 year old dog has a mass needs to be remove and possibly radiation treatment.
Does it pay for pre existing and surgery?
Hey Brenda,
Do you currently have coverage with ASCPA? Or are you looking to get coverage before treatment? In general, pet insurance companies do not cover pre-existing conditions before purchasing the policy. This article might be helpful: https://lendedu.com/blog/pet-insurance-and-pre-existing-conditions/
I still could not decide if neutering is part of the coverage????
Hey Debra,
Thanks for the post! Yes, ASPCA does offer extra coverage for spaying and neutering.