ASPCA Insurance Review

Designed to assist pet parents when they need it most, ASPCA Pet Health Insurance offers flexible and comprehensive plans that give you the coverage you need. Unlike paying out of pocket, having a great insurance plan means you won’t have to drain your savings the next time your cat or dog gets sick or injured, and instead, you can get them the proper care they need without any extra stress. Customizable and affordable, ASPCA plans can cover everything from exams and diagnostics to pricey treatments and surgeries all for a low monthly premium. 

Ensuring that cost is never a barrier to proper treatment, the ASPCA Pet Health Insurance policies are fairly priced and they are committed to making the process as easy as possible from start to finish. Everything can be completed online via their website, and their step-by-step application will guide you so that you create the exact policy you need. Featuring personalized deductibles, reimbursement percentages, and even annual limits, ASPCA Pet Health Insurance is one of the best choices for pet owners who are looking to strike that balance between full coverage and affordability.

Pet insurance is coverage against the unknown, which can make it difficult to figure out the right policy for you. Do you need protection against accidents and illnesses? Just accidents? Exam fees? Behavioral therapies? Narrowing down your wants and needs can be both complicated and confusing. That is why ASPCA Pet Health Insurance has created the Complete CoverageSM policy, giving you everything you need without any of the hassle.

Allowing you to visit any licensed vet in the USA or Canada, ASPCA Pet Health Insurance helps to assist with eligible costs related to both accidents and illnesses. You will also enjoy extended coverage for things such as:

Not sure you need everything listed above and want to limit your coverage to accidents only? ASPCA Pet Health Insurance also offers accident-only policies which still help you cover the costs of eligible vet visits when your cat or dog gets hurt. 

ASPCA Pet Health Insurance understands that not every pet or budget is the same, which is why they offer flexible and customizable plans for all. Allowing you to select the deductible, annual limit, and reimbursement percentage that works for you, ASPCA Pet Health Insurance wants to make sure you are receiving Complete CoverageSM at a price you can afford.

Starting with the annual limit, this amount will determine how much you are eligible to claim each year. For most routine care and occasional accidents or illnesses, the average dog owner will spend just over $3,000 annually. Likewise, those who have cats will save themselves a bit of money, but the average annual cost of vet care per cat hovers around $2,000 annually. Keeping this in mind, you want to select a limit that will be enough to cover your costs and ASPCA Pet Health Insurance allows you to select an amount between $3,000 and $10,000 annually.

Another important aspect to your policy will be your deductible amount, which can range from $100/year up to $500/year. Referring to the amount of money you will need to spend out of pocket before your insurance coverage kicks in, it is important you select an amount you know you are able to cover on your own. This is also true for your reimbursement percentage which can be anywhere from 70% up to 90% per bill.

Featuring the option to select a reimbursement percentage of 70%, 80%, or 90%, ASPCA Pet Health Insurance allows you to determine exactly how much of each bill you want to be responsible and how much you would like your policy to cover. Which percentage you opt for will depend on whether you want to save money on premiums or save money on potential eligible expenses, as a lower percentage means a cheaper premium each month. However, when the time does come to rely on your insurance for reimbursement, having a higher percentage can be beneficial if you don’t have emergency funds set aside.

Regardless of which percentage you select, the process for receiving your reimbursement is the same and ASPCA Pet Health Insurance has streamlined this so it is easier than ever before. After each vet visit you will need to pay your vet directly for the full cost of the bill, making sure to retain a copy of any records as well as your receipt. From there, all you need to do is file a claim online, by phone, or by mail and then allow a few days for processing. Once approved, ASPCA Pet Health Insurance will reimburse you for all eligible expenses either by check or by depositing the money directly into your bank account.

There are no limits on how many claims you can file per year, and you are welcome to claim as many visits as necessary until you hit your annual limit. Reimbursements do require you to meet your annual deductible first, and all eligible expenses will be paid out minus the percentage you are required to cover out of pocket. To learn more about how the claims process works, or to see what options work best for you, you can visit the ASPCA Pet health Insurance website directly and use their online calculator to obtain a free quote immediately.

If you are looking to obtain pet insurance for your cat or dog then it is important to understand that how much you will pay each month is going to depend on a number of factors. Breed, size, location, and customized limits will all impact your monthly premiums, meaning some owners will pay more or less than others. Because of how personalized it is ASPCA Pet Health Insurance has created an online calculator that is free to use and will provide you with an exact quote instantly.

By filling in some details about your cat or dog, ASPCA Pet Health Insurance can show you what your quoted price would be, and you can then play around with the numbers until you figure out the best policy for you. Increase or decrease coverage limits and deductible amounts so that you match your quote to your budget, and from there it’s as simple as completing the enrollment process and checking out.

Does ASPCA Pet Health Insurance sound like the right fit for you? Taking advantage of their generous coverage options and customizable policies is easy and can be done directly from your computer. By clicking on the “Free Quote” button you will be taken directly to their online calculator where you can begin the enrollment process immediately. 

Asking about the breed, size, and age of your cat or dog, ASPCA Pet Health Insurance calculates your premiums for you and will adjust based on the personalized choices you make. From there, all that’s left for you to do is pay your first month and then wait for the initial 14 days before your coverage becomes active. 

Not sure how to complete the process online or prefer to speak with someone directly? ASPCA Pet health Insurance has knowledgeable representatives available by phone who will be happy to guide you through the process step-by-step and can assist you with getting the policy that is right for you.

Like most insurance providers, the standard policies that ASPCA Pet Health Insurance provides are intended to be used in incidents where an accident or illness has occurred. This means your policy won’t be able to be used for things like routine care, yearly check-ups, or even for vaccines. However, if preventative care is something you are interested in, ASPCA Pet Health Insurance does offer an add-on package that you may want to consider. 

For only a little bit more each month, the preventative care package provides reimbursement for visits not related to accidents or illnesses, and may actually be able to help keep your pet healthier long-term. Recommended by vets, preventative care can prevent tooth decay, catch illnesses in early stages, and get your cat or dog the necessary vaccines that will keep them safe.

Available in both a basic and prime version, the preventative care packages from ASPCA Pet health Insurance cover things such as:

* Some coverage is only available for those who enroll in the Prime package - maximum annual benefit amounts will also differ between basic and prime.

If you are interested in learning more about what ASPCA Pet Health Insurance offers, or if you want to proceed with enrolling your pet you can do so by visiting their website directly. You can also choose to contact them by phone at 1-866-204-6764. Highly knowledgeable representatives are there to answer any questions you have and can be reached Monday - Friday, 8am - 8pm EST.

Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout.

The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution.