Jane Dotson
ASPCA Pet Health Insurance offers a range of coverage options for pets, including accidents, illnesses, behavioural issues, and more. The cost of medication is covered, but only for drugs prescribed by a licensed veterinarian to treat a covered condition. Deductibles must be met, and medication costs must stay within your annual limit. ASPCA Pet Health Insurance also offers coverage for alternative therapies, such as acupuncture and chiropractic care, and reimbursements for eligible costs. The cost of your plan will depend on your pet's breed, age, and other factors.
| Characteristics | Values |
|---|---|
| Type of coverage | Accident coverage, illness coverage, behavioural coverage, alternative therapy coverage, and preventive care coverage |
| What it covers | Veterinary fees, diagnostic services, treatments, medications, hospitalization, surgery, alternative therapies, microchipping, poison consultation fees, therapeutic diets, euthanasia, cremation, burial, neutering, vaccines, wellness screenings, dental treatments, and more |
| Cost | Depends on the pet's breed, age, zip code, and the chosen plan |
| Reimbursement | 70%, 80%, and 90% reimbursement options are available |
| Annual limit | Can be selected by the customer and can be altered at the beginning of a new policy period |
| Deductibles | Deductibles must be met while staying within the annual limit |
| Waiting period | There is a mandatory waiting period before the insurance coverage begins |
| Pre-existing conditions | Pre-existing conditions are generally not covered |
| Choice of veterinarian | Customers are free to choose any licensed veterinarian in the US or Canada |
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What You'll Learn
- ASPCA Pet Insurance covers medication costs for drugs prescribed by a licensed veterinarian
- Medication costs are subject to deductibles and annual limits
- ASPCA covers prescription food and health supplements if they are part of a veterinarian's treatment plan
- Preventative care coverage can be added to cover vaccines, heartworm medication, and dental cleanings
- ASPCA covers alternative therapies such as acupuncture, chiropractic care, hydrotherapy, and laser therapy
ASPCA Pet Insurance covers medication costs for drugs prescribed by a licensed veterinarian
ASPCA Pet Insurance offers Complete CoverageSM, which includes accident coverage and illness coverage. Accident coverage includes injuries and emergency accidents like bite wounds, cuts, broken bones, swallowed objects, and toxic ingestion. Illness coverage includes reimbursement for the eligible costs of major and minor illnesses, such as cancer, arthritis, hypothyroidism, ear infections, digestive problems, and urinary tract infections (UTIs).
In addition to medication costs, ASPCA Pet Insurance also covers diagnostic services and treatments prescribed for accidents, such as X-rays, MRIs, ultrasounds, blood work, sutures, hospitalization, and surgery. ASPCA Pet Insurance can be used at any licensed veterinarian's office, so you don't have to worry about finding an "in-network" veterinarian or switching offices.
It's important to note that ASPCA Pet Insurance does not cover pre-existing conditions, which are injuries or illnesses that occur before your plan goes into effect or during a waiting period. Additionally, the cost of medication covered by ASPCA Pet Insurance falls under the same rules of deductibles, reimbursement percentages, and annual limits as other covered expenses.
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Medication costs are subject to deductibles and annual limits
ASPCA Pet Health Insurance covers medication costs for drugs prescribed by a licensed veterinarian to treat a covered condition. This includes prescription medications, health supplements, and prescription foods that are part of a veterinarian's recommended treatment plan.
However, it is important to note that medication costs are subject to deductibles and annual limits. A deductible refers to the amount you must pay out-of-pocket before your insurance coverage begins contributing to the cost. The reimbursement percentage you choose will determine how much you will be reimbursed after meeting your deductible. ASPCA offers 70%, 80%, and 90% reimbursement percentage options, with higher percentages resulting in higher monthly premiums but more cash back on covered claims.
Additionally, your annual limit, or the total amount you can be reimbursed within a 12-month policy period, will also apply to medication costs. Most insurance companies allow you to select your annual coverage limit, which can be adjusted at the start of a new policy period.
ASPCA Pet Health Insurance provides coverage for a wide range of medications, including those for accidents, illnesses, and preventive care. Accident coverage includes medications for injuries such as bite wounds, cuts, broken bones, swallowed objects, and toxic ingestions. Illness coverage reimburses you for eligible costs of major and minor illnesses, including cancer, arthritis, hypothyroidism, ear infections, digestive problems, urinary tract infections, and more. Preventive care coverage, available as an add-on, reimburses you for certain vaccines, annual exams, deworming, and wellness screenings.
Understanding the basics of pet insurance, including medication coverage, deductibles, and annual limits, can help you make informed decisions about your pet's healthcare and ensure you are prepared for any unexpected veterinary expenses.
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ASPCA covers prescription food and health supplements if they are part of a veterinarian's treatment plan
ASPCA Pet Health Insurance offers a range of coverage options, including medication costs for drugs prescribed by a licensed veterinarian to treat a covered condition. This includes prescription food and health supplements if they are part of a veterinarian's recommended treatment plan.
ASPCA's Complete CoverageSM plan is a comprehensive option that covers accidents, illnesses, and behavioural issues. Accident coverage includes injuries and emergencies such as bite wounds, cuts, broken bones, swallowed objects, and toxic ingestion. Illness coverage reimburses eligible costs for major and minor illnesses, including cancer, arthritis, hypothyroidism, ear infections, digestive problems, and urinary tract infections.
The plan also covers diagnostic services and treatments, such as X-rays, MRI scans, ultrasounds, blood work, sutures, hospitalisation, and surgery. ASPCA Pet Health Insurance also covers the cost of pet microchipping, poison consultation fees, therapeutic diets, vet-recommended euthanasia, cremation, and burial.
In addition to the standard coverage, ASPCA offers supplemental coverage for preventive pet care, including vaccinations and parasite prevention, through a routine care policy rider. This preventive care coverage can be added at a low additional cost and includes annual exams, vaccines, heartworm medication, and dental cleanings.
ASPCA Pet Health Insurance is accepted at any licensed veterinarian's office in the US or Canada, allowing pet owners to use their trusted veterinarian and providing flexibility when travelling or in case of emergencies. The cost of ASPCA Pet Health Insurance varies depending on factors such as the pet's breed, age, and location.
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Preventative care coverage can be added to cover vaccines, heartworm medication, and dental cleanings
ASPCA Pet Health Insurance covers medication costs for drugs prescribed by a licensed veterinarian to treat a covered condition. This includes medications for treating accidents, such as bite wounds, cuts, broken bones, swallowed objects, and toxic ingestion. Medication costs also fall under the same rules of deductibles, needing to be met while staying within your annual limit.
ASPCA Pet Insurance offers Complete Coverage, which includes accident coverage and illness coverage. Accident coverage includes injuries and emergency accidents, while illness coverage includes major and minor illnesses, such as cancer, arthritis, hypothyroidism, ear infections, digestive problems, and urinary tract infections.
Preventative care coverage can be added to your ASPCA Pet Insurance plan at a low additional cost to cover vaccines, heartworm medication, and dental cleanings. This can include annual exams, deworming, wellness screenings, and flea prevention. Preventative Prime coverage also covers neutering. It is important to note that some providers' plans have vaccine or other preventive care requirements, and if these are not followed, your claims may not be reimbursed.
ASPCA Pet Insurance can be used at any licensed veterinarian's office, and there is no need for a referral or pre-authorization to visit licensed specialists, such as veterinary dermatologists, cardiologists, or oncologists.
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ASPCA covers alternative therapies such as acupuncture, chiropractic care, hydrotherapy, and laser therapy
ASPCA Pet Health Insurance offers a range of coverage options, including alternative therapies such as acupuncture, chiropractic care, hydrotherapy, and laser therapy. These alternative therapies can be beneficial for your pet's recovery and are often recommended by veterinarians.
ASPCA's Complete CoverageSM plan is a comprehensive option, covering accidents, illnesses, and behavioural issues. It includes accident coverage for injuries and emergencies, such as bite wounds, broken bones, and swallowed objects. The plan also provides illness coverage for major and minor illnesses, including cancer, arthritis, and ear infections.
In addition to the standard treatments, ASPCA recognises the importance of alternative therapies in supporting your pet's healing journey. Acupuncture, a traditional practice, is covered by ASPCA and can aid in pain relief, improving joint mobility, and promoting overall well-being. Chiropractic care, which focuses on the spine and nervous system, is also included in the coverage. This gentle, non-invasive therapy can help address musculoskeletal issues and improve your pet's quality of life.
Hydrotherapy, another alternative therapy covered by ASPCA, is particularly useful for pets recovering from orthopaedic or neurological conditions. It provides a low-impact form of exercise that aids in building strength, improving circulation, and enhancing your pet's overall fitness. Laser therapy, also within the ambit of ASPCA coverage, is a modern approach to pain management and tissue regeneration.
ASPCA's coverage extends beyond these alternative therapies, demonstrating a holistic approach to pet care. They also offer preventive care coverage, which includes annual exams, vaccines, and heartworm medication. You can also add supplemental coverage for routine care, such as neutering and microchipping. ASPCA understands that each pet is unique, and their coverage options reflect this, giving you peace of mind that your furry family member is well cared for.
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Frequently asked questions
Yes, ASPCA Pet Health Insurance covers medication costs for drugs prescribed by a licensed veterinarian to treat a covered condition.
Covered conditions include injuries and illnesses. Accident coverage includes bite wounds, cuts, broken bones, swallowed objects, and toxic ingestion. Illness coverage includes cancer, arthritis, hypothyroidism, ear infections, digestive problems, and urinary tract infections.
ASPCA pet insurance does not cover cosmetic or elective procedures, obedience training, or pre-existing conditions. Medication costs also fall under the same rules of deductibles and must stay within your annual limit.
Pre-existing conditions are injuries or illnesses that occur before your plan goes into effect or during a waiting period. For example, if your dog was bitten by another dog before enrolling, treatments for that injury would not be covered.
You can submit a claim for reimbursement by using the My Pet Insurance app, online, or by email, fax, or mail.
