ASPCA Pet Insurance Review

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As a pet owner, you want to ensure that your furry friend receives the best care possible. However, accidents and illnesses can happen unexpectedly, leading to high veterinary bills. That’s where pet insurance comes into play. In this article, we’ll review ASPCA pet insurance and determine if it’s the right option for you and your pet.

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What is ASPCA Pet Insurance?

ASPCA pet insurance is a company that provides coverage for cats and dogs. The company was founded in 1997 and is underwritten by United States Fire Insurance Company. ASPCA pet insurance offers three types of coverage: accident-only, accident and illness, and wellness.

Accident-Only Coverage

Accident-only coverage is the most basic coverage option offered by ASPCA pet insurance. This type of coverage covers veterinary bills resulting from accidents only. Some of the covered expenses include emergency visits, surgeries, and hospitalization.

However, accident-only coverage doesn’t cover illnesses or routine checkups. If your pet has an underlying condition, this type of coverage may not be sufficient.

Accident and Illness Coverage

Accident and illness coverage is a more comprehensive coverage option that covers both accidents and illnesses. This type of coverage covers expenses related to accidents, as well as expenses related to illnesses such as cancer and allergies.

However, it’s important to remember that pre-existing conditions are not covered under this policy. If your pet has an existing condition, it’s best to review the policy carefully or contact ASPCA pet insurance for clarification.

Wellness Coverage

Wellness coverage, also known as routine care coverage, covers preventive care expenses such as vaccinations, annual exams, and teeth cleanings. However, ASPCA pet insurance only offers wellness coverage as an add-on to the accident and illness policy.

This means that if you want wellness coverage, you must purchase the accident and illness policy first. Additionally, the coverage limit for wellness expenses is lower than the limit for accident and illness expenses.

How Does ASPCA Pet Insurance Work?

ASPCA pet insurance works by reimbursing you for veterinary bills after you’ve paid for them. When you visit your veterinarian, you pay for the services upfront and submit a claim to ASPCA pet insurance for reimbursement.

To submit a claim, you can do so online or by mail. ASPCA pet insurance claims are typically processed within two weeks, and reimbursement is sent by check or direct deposit.

Waiting Periods

ASPCA pet insurance has waiting periods that vary depending on the type of coverage you choose. The waiting period is the amount of time you must wait before coverage takes effect.

For accident-only coverage, there is no waiting period. For accident and illness coverage, the waiting period is 14 days for illnesses and 48 hours for accidents. For wellness coverage, the waiting period is 14 days.

Deductibles and Reimbursement

ASPCA pet insurance allows you to choose your deductible amount and reimbursement rate. The deductible is the amount you must pay out of pocket before coverage kicks in. The reimbursement rate is the percentage of the bill that ASPCA pet insurance will cover.

ASPCA pet insurance offers deductibles ranging from $100 to $500 and reimbursement rates ranging from 70% to 90%. The higher the deductible, the lower your monthly premium will be. The lower the reimbursement rate, the lower your monthly premium will be.

Pros and Cons of ASPCA Pet Insurance

Pros

  • Offers three types of coverage to fit different needs
  • No age limit for new enrollments
  • Reimbursement is fast and easy
  • Offers multi-pet discounts
  • No network restrictions – you can visit any licensed veterinarian
  • Covers alternative therapies such as acupuncture and hydrotherapy

Cons

  • Pre-existing conditions are not covered
  • Wellness coverage is only offered as an add-on to the accident and illness policy
  • Wellness coverage has lower coverage limits than accident and illness coverage
  • Reimbursement rate and deductible options are limited
  • Only offers coverage for cats and dogs

FAQs

What’s the difference between accident-only and accident and illness coverage?

Accident-only coverage covers veterinary expenses related to accidents only, while accident and illness coverage covers veterinary expenses related to both accidents and illnesses.

Can I choose my own veterinarian?

Yes, ASPCA pet insurance has no network restrictions, which means you can visit any licensed veterinarian.

What’s the waiting period for coverage?

The waiting period varies depending on the type of coverage you choose. For accident-only coverage, there is no waiting period. For accident and illness coverage, the waiting period is 14 days for illnesses and 48 hours for accidents. For wellness coverage, the waiting period is 14 days.

Does ASPCA pet insurance cover pre-existing conditions?

No, pre-existing conditions are not covered under any of the coverage options offered by ASPCA pet insurance.

Does ASPCA pet insurance offer multi-pet discounts?

Yes, ASPCA pet insurance offers multi-pet discounts. The more pets you enroll, the more you save.

The Verdict

ASPCA pet insurance offers comprehensive coverage options for cats and dogs. The company’s no network restrictions policy allows you to choose any licensed veterinarian, and the fast and easy reimbursement process makes it a convenient option. While pre-existing conditions are not covered, ASPCA pet insurance offers coverage for a wide range of accidents and illnesses. With multi-pet discounts and alternative therapy coverage, ASPCA pet insurance is a great option for pet owners looking to provide their furry friends with the best care possible.

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