If you’re wondering if ASPCA pet health insurance is the right policy to get your dog covered, then you’re in the right place. In this article we break down all there is to know about this pet insurance agency, such as approximate costs, what’s covered and what’s not, the options you have when it comes to numbers, sentiment from customer reviews, and more.
By the time you’re done reading, you’ll have all of the information you need to decide if ASPCA pet health insurance is right for your dog objectively and with confidence. Let’s get right to it.
How Much Does ASPCA Pet Insurance Cost?
You’ll have to request a quote to find out how exactly how much an ASPCA pet insurance plan will cost for your dog, as the monthly premium will depend on a variety of factors unique to your pet, as well as your location and the specific ASPCA insurance plan that you choose.
With that in mind, at the time of writing ASPCA quotes approximately $54 per month to hold their Complete Coverage plan with default annual limits, reimbursement, and deductible for a hypothetical average dog named Fido, a 2-year-old male golden retriever living in Portland, Oregon.
Of course, not all dogs are average and not all coverage plans are created equal. Your dog’s breed, age, gender, and zip code are all going to be a factor in the monthly premium, as well as the deductible, annual limit, and extent of reimbursement that you choose.
While we’re at it, it doesn’t hurt to take a look at the extremes. When we plug in our examples for the worst-case and best-case scenarios, ASPCA quotes as low as $25/mo and as high as $110/mo for the same plan.
Keep in mind that these prices were calculated at the time of writing, and are likely to change as time goes on. To determine the price to hold insurance for your pet make sure to get a quote from ASPCA.
How Good Is ASPCA Pet Insurance?
There are a number of factors to be considered when evaluating how good one pet insurance policy is when compared to the others you can find. Here’s a breakdown of how ASPCA pet health insurance stacks up:
Note: plan details may change from the time of writing. Make sure to get a quote from ASPCA for the most up-to-date details of their policy.
Coverage
That standard policy offered by ASPCA pet health insurance is called Complete Coverage. Here’s what’s covered under the Complete Coverage plan:
- Accidents
- Illnesses
- Dental Disease
- Hereditary Conditions
- Behavioral Issues
- And more (visit their site for more details)
You could alternatively sign for the Accident-Only Coverage plan, which is an insurance policy designed primarily for new injuries and emergencies related to accidents.
For those pet owners seeking a little more, you can also add on their optional Preventative Coverage, which is meant to provide reimbursements for treatments and procedures that aid in maintaining your dog’s health before a problem occurs. This additional coverage is offered in two tiers – Basic and Prime.
Exclusions
On the other hand, veterinary bills that fall into the following categories are not covered by the Complete Coverage insurance policy:
- Pre-existing conditions
- Cosmetic procedures
- Breeding Costs
- Preventative Care
Make sure to review the details of their plans for a full list of exclusions, and of course, you can get additional coverage for preventative care with their addon package as mentioned above. Since we’re on the topic, it’s worth noting explicitly that their accident-only coverage has a longer list of exclusions, including the fact that there is no illness coverage.
Annual Limits
When you apply for a quote for ASCPA pet health insurance online, you have the option to customize your plan’s annual limits. The options that are provided are as follows:
- $3,000
- $5,000
- $7,000
- $10,000
It may be worth contacting them to see if you are eligible for higher limits. The higher the annual limit that you select, the more expensive the resulting monthly premium would be.
Deductibles
ASPCA pet health insurance also offers three levels of deductibles when you are applying for a quote online. The three levels of deductibles are as follows:
- $100
- $250
- $500
As with most insurance policies, a higher deductible will reduce the monthly premium you pay. If you’re looking for a higher deductible, it might be worth getting in touch with them.
Reimbursement
Last but not least, you have the option of picking your level of reimbursement. This refers to the percentage of the bill that ASPCA will pay for when you submit a bill for qualified care.
- 70%
- 80%
- 90%
It goes without saying that a higher level of reimbursement will result in a higher premium.
Waiting Period
As with most pet insurance policies, there is a bit of a waiting period with ASCPA’s insurance offers. The waiting period language states that coverage for your pet begins 15 days after your policy has become effective. Claims for covered care that occurs before waiting periods have elapsed are not eligible to be reimbursed.
Customer ASPCA Pet Insurance Reviews
If you read reviews of this insurance agency online, you will find that there is a decent amount of negative sentiment reported. While there is likely at least some validity to these reviews, it should be considered that people care very much about their pets. If things don’t go their way, whether or not it is explicitly stated by the policy, one way that they may find an outlet is to write negative reviews. The fact of the matter is that some things are just not included in pet insurance plans, so keep that in mind as you read through.
Also worth noting is that the customer service has received quite a few accolades through the reviews on the very same websites. Customer service is not something that should be taken for granted, and ASPCA insurance seems to have this taken care of quite well.
It’s going to be up to you to decide how much weight to put into the reported customer opinions. It’s never a bad idea to read them, but make sure you gauge them with an objective eye rather than just taking a start rating at face value.
Pros
- Reimbursements can be issued to your bank via direct deposit unless you prefer standard mail.
- Claims for covered care can be submitted online. Alternatively, you can choose to submit them by fax or standard mail.
- Exam fees are included in your insurance plan coverage.
- There is no upper age limit for your pet.
- Your pet can visit any veterinarian or emergency animal clinic.
Cons
- No mobile application for claim submission at the time of writing.
- Customer sentiment online is poor, but this should be scrutinized objectively.
Should You Get ASPCA Pet Health Insurance For Your Dog?
ASPCA is a long-standing brand in the pet world, which is something you’re not always going to be confronted with when you’re looking for pet insurance. Their policies are customizable to suit your needs, and they have a reportedly high-quality customer service department.
As with any insurance provider, there are likely to be some compromises you’ll make to get coverage when you choose ASPCA pet health insurance. They don’t have a mobile app, but they do allow you to submit claims online which is a nice plus. There are other insurance providers out there that seem to promise the world when it comes to providing coverage for your pet, but keep in mind that they may not have as long of a track record either.
They are not the only insurance provider out there, and you may find that another pet insurance company is better suited to your needs, your pet, and your location. That said, ASPCA is a trusted name and their policy can work out just fine for you and your pet.
