If you’re a pet owner, you know how important it is to keep your furry friend healthy and happy. Unfortunately, accidents and illnesses can happen, leaving you with expensive vet bills. That’s where pet insurance comes in. ASPCA Pet Insurance offers comprehensive coverage for cats and dogs, so you can rest easy knowing your pet is protected. In this article, we’ll explore everything you need to know about ASPCA Pet Insurance, from coverage options to pricing and more.
What is ASPCA Pet Insurance?
ASPCA Pet Insurance is a pet insurance provider that offers coverage for cats and dogs. Founded in 1997, ASPCA Pet Insurance is part of the Crum & Forster insurance group, which has been in business for over 200 years. ASPCA Pet Insurance provides coverage for accidents, illnesses, and routine care, so you can choose the plan that best fits your needs.
Coverage Options
ASPCA Pet Insurance offers three levels of coverage: Accident Only, Complete Coverage, and Complete Coverage Plus. Here’s a breakdown of what each plan covers:
Plan |
Coverage |
Accident Only |
Covers accidental injuries only |
Complete Coverage |
Covers accidents and illnesses |
Complete Coverage Plus |
Covers accidents, illnesses, and wellness care |
With the Complete Coverage and Complete Coverage Plus plans, you can choose your own deductible and reimbursement percentage. This allows you to customize your coverage to fit your budget and needs.
Benefits of ASPCA Pet Insurance
There are many benefits to choosing ASPCA Pet Insurance for your furry friend:
- Coverage for accidents, illnesses, and routine care
- Customizable plans to fit your budget and needs
- No network restrictions, so you can visit any licensed vet in the US or Canada
- No waiting period for accidents
- 24/7 customer service and vet helpline
ASPCA Pet Insurance also offers a 30-day money-back guarantee, so you can try their coverage risk-free.
How Does ASPCA Pet Insurance Work?
Getting coverage with ASPCA Pet Insurance is easy. Here’s how it works:
- Choose your coverage level and customize your plan
- Enroll online or over the phone
- Submit claims online, by mail, or through their mobile app
- Get reimbursed for covered expenses (minus your deductible and coinsurance)
ASPCA Pet Insurance offers direct deposit reimbursement, so you can get your money back quickly and easily.
Pricing
The cost of ASPCA Pet Insurance varies depending on your pet’s breed, age, and location, as well as the coverage level and deductible you choose. However, here are some sample prices to give you an idea:
- Accident Only: Starts at $6/month for cats and $9/month for dogs
- Complete Coverage: Starts at $22/month for cats and $35/month for dogs
- Complete Coverage Plus: Starts at $42/month for cats and $72/month for dogs
ASPCA Pet Insurance also offers a multi-pet discount of up to 10% for insuring multiple pets.
Frequently Asked Questions
What does ASPCA Pet Insurance cover?
ASPCA Pet Insurance offers coverage for accidents, illnesses, and routine care. This includes things like injuries, illnesses, X-rays, blood tests, and more. With the Complete Coverage and Complete Coverage Plus plans, you can also get coverage for wellness care like check-ups, vaccinations, and dental cleanings.
Are there any breed restrictions?
No, ASPCA Pet Insurance does not have any breed restrictions. However, certain breeds may be more prone to certain health issues, which could affect your premium.
Are pre-existing conditions covered?
Pre-existing conditions are not covered under any pet insurance policy. This includes any condition that your pet showed symptoms of, was diagnosed with, or received treatment for before your policy began.
Does ASPCA Pet Insurance have a waiting period?
Yes, there is a 14-day waiting period for illnesses and a 48-hour waiting period for accidents with ASPCA Pet Insurance. However, there is no waiting period for accidents with the Complete Coverage Plus plan.
Does ASPCA Pet Insurance have a deductible?
Yes, ASPCA Pet Insurance has deductibles ranging from $100 to $500 per incident. You can choose your own deductible when customizing your plan.
Conclusion
ASPCA Pet Insurance offers comprehensive coverage for cats and dogs, with customizable plans to fit your budget and needs. With no network restrictions, direct deposit reimbursement, and 24/7 customer service, ASPCA Pet Insurance makes it easy to get the coverage you need for your furry friend. Whether you’re looking for accident and illness coverage or want to add routine care to your plan, ASPCA Pet Insurance has you covered.
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