ASPCA Pet Insurance

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While there isn’t a single pet insurance solution that works for everyone, ASPCA Pet Insurance is a fantastic choice for a lot of pet owners. It offers wellness add-ons and unique coverage categories for new puppy or kitten owners, making it an appealing option.

ASPCA Pet Insurance

Moreover, these coverage categories are more extensive than those offered by other providers. ASPCA, a rare breed in pet insurance, boasts reimbursement rates of 100%, making it one of the top providers.

What is ASPCA Pet Insurance

With more than a million members, the American Society for the Prevention of Cruelty to Animals (ASPCA) is a non-profit organization that was established in 1866. Moreover, the provider uses the name of a long-standing nonprofit group for animal rights under a license agreement, making it one of the world’s largest humanitarian societies.

Generally, ASPCA Pet Insurance takes pride in being one of the country’s oldest pet insurance providers. ASPCA Pet Health Insurance, with over 2.2 million claims handled, underwrites under the United States Fire Insurance Company and covers dogs, cats, and horses.

To customize your plan, you may choose reimbursement rates between 70% and 90% and deductibles between $100 and $500. However, policyholders have a choice between two typical plans: one that just covers accidents, and the other that includes incidents and sickness.

How Does ASPCA Pet Insurance Work

The pet insurance policy offered by the ASPCA functions as a compensation scheme. Additionally, you submit a claim to the pet insurance company for reimbursement of services that are covered after paying the full cost of your pet’s veterinary visit.

The amount of your reimbursement from ASPCA Pet depends on your plan type and available coverage. The deductible, which can cost anything from $100 to $500, must be paid before the ASPCA begins to pay. The insurance covers 70%, 80%, or 90% of qualified veterinary expenses up to a yearly maximum of $2,500, providing coverage from $2,500 to infinite.

The amount that your pet insurance company covers for veterinary procedures will directly increase your monthly premium. Furthermore, the age, breed, and location of your pet will affect the price of your pet insurance as well as your coverage options.

Types of ASPCA Pet Insurance Coverage

There are two plan options available from ASPCA Pet coverage, including accident-only and comprehensive coverage (sometimes known as accident and sickness coverage). Pet owners who want comprehensive accident and sickness coverage for tests and treatments related to the following conditions should consider the complete coverage plan:

  • Unintentional harm.
  • Acute disease.
  • Persistent illness.
  • Inherited diseases.
  • Conditions about orthopedics.
  • Behavioral issues.

Accident-only insurance covers unintentional injuries and medical expenses, while regular preventive care expenses are not covered unless explicitly included in the plan. Costs for breeding, cosmetic treatments, herbal medications, maintenance diets, vitamins, and experimental therapies are not covered by insurance.

How Much Does ASPCA Pet Insurance Cost

ASPCA Pet Health Insurance has the fifth-lowest monthly price for dog insurance, with a sample premium of $36.64. The sample rate was calculated by comparing the insurance costs of a healthy female mixed-breed dog in Texas.

This is for a mature dog weighing between fifty and ninety pounds. The insurance charges $16.16 per month on average for a cat. The sample rate utilized for cat insurance is based on a healthy male domestic medium-hair cat under one year of age who lives in Texas.

The factors that influence pet insurance rates include age, breed, location, kind of coverage, deductible, annual maximum, and reimbursement rate of the pet. To find the best insurance for you and your cat, compare options as insurers often offer discounts as an add-on.

What Does ASPCA Pet Insurance Not Cover

Generally, certain issues are not covered by pet insurance. Policies issued by ASPCA Pet Health Coverage do not cover:

  • Pre-existing conditions that arise before the start of coverage.
  • Cosmetic operations include tail docking, ear cropping, and claw removal.
  • Breeding expenses.

Pre-existing diseases are not covered by ASPCA pet insurance, although conditions affecting the knee and ligaments may be covered if an illness or accident is treated and free of symptoms for 180 days.

Preventive care plans

Preventive care plans can be added to provide coverage for wellness treatments like deworming, regular dental care, and vaccinations. Health treatments are provided under the ASPCA Pet Health Insurance on a fee-for-service basis, with annual maximums for each therapy. Preventative care plans are available through the ASPCA Pet Health Insurance in Basic and Prime versions, with Basic costing $10 and Prime adding $25 each month.

How to Get Pet Insurance from ASPCA Pet Insurance

With its comprehensive coverage and amenities, ASPCA Pet Health Insurance is one of the top pet insurance companies. When the time comes to get pet insurance, the entire procedure may be done online.

  • To obtain a quotation, go to the ASPCA Pet Health Coverage quote website.
  • Enter the species, age, sex, and ZIP code of your pet.
  • Choose whether you want accident-only or comprehensive coverage for your pet.
  • Change the deductible, payment percentage, and yearly claim limit to adjust the premium cost.
  • Choose to add an optional wellness package to cover the cost of vaccinations, yearly wellness exams, and paying or neutering.
  • A 10% discount for registering numerous dogs is one of the discounts you should make sure you qualify for.

Generally, it offers 24-hour care for pets, including behavioral issues, vet bills, and alternative therapies, through its pet insurance app. It also has a shorter waiting period for hip and knee issues than other pet insurance. In addition, it offers an optional wellness plan to assist with the cost of prophylactic care.