Paul Sanchez
ASPCA Pet Health Insurance offers a range of customizable coverage options for pets, including dogs, cats, and horses. It is available across the United States, Canada, and U.S. territories, providing accident-only and accident-and-illness coverage plans with varying deductibles, reimbursement rates, and annual limits. ASPCA's insurance plans cover accidents, illnesses, behavioural issues, alternative therapies, and more, with additional preventive care plans for wellness. While some customers have praised the peace of mind and financial assistance provided by ASPCA's insurance, others have expressed concerns about claim denials, pre-existing conditions, and customer service issues. The decision to choose ASPCA Pet Insurance depends on individual needs, budget, and the specific coverage options desired.
| Characteristics | Values |
|---|---|
| Available in | All 50 states and Washington, D.C. |
| Coverage for | Dogs, cats, and horses |
| Annual limit | $5,000 to unlimited |
| Annual deductible | $100, $250, or $500 |
| Reimbursement rate | 90%, 80%, or 70% |
| Waiting period | 14 days for accidents, illnesses, and knee and ligament conditions |
| Pre-existing conditions | Not covered |
| Dental coverage | Not included in basic plans |
| Wellness coverage tiers | 2 for dogs and cats, 2 for horses |
| Virtual vet visits | Covered |
| Reimbursement time | Within 30 days |
| Customer service | Phone and email |
| Claim submission | Online, app, email, standard mail, or fax |
| Reviews | Mixed |
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What You'll Learn
ASPCA's Complete Coverage plan
However, there are also negative reviews of ASPCA's insurance plans, with some customers claiming that the company denied their claims as pre-existing conditions, despite their policies stating that conditions symptom-free for 180 days are not considered pre-existing. Other customers have complained about issues with the claims process, including delays in reimbursement and difficulty in contacting the company.
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Pros and cons of ASPCA insurance
ASPCA pet insurance offers a range of benefits, including:
- Broad coverage: This includes accidents, illnesses, hereditary conditions (e.g., hip dysplasia and cherry eye), behavioural conditions, alternative therapies, and more.
- No network restrictions: You are free to visit any veterinarian, specialist, or emergency clinic without worrying about coverage acceptance.
- Easy claim filing: Claims can be filed online, through the MyPetInsurance app, email, fax, or mail.
- Direct deposit of reimbursements: Reimbursements can be directly deposited into your bank account.
- Customizable coverage: You can choose your deductible, reimbursement rate, and annual coverage limit to fit your pet's needs and your budget.
- No upper age limit for cats and dogs: Senior pets are eligible for coverage, with no maximum age limit for accident and illness coverage.
- Short waiting periods: ASPCA has a shorter waiting period than most plans for cruciate injuries (14 days).
- Positive reviews: ASPCA pet insurance has received generally positive reviews, with an average of 3.9 stars out of five on Trustpilot. Policyholders have praised the smooth and speedy claims process and responsive customer service.
However, there are also some potential drawbacks to consider:
- Pre-existing conditions: ASPCA does not cover pre-existing conditions, but they will begin covering a condition if it has been cured and the pet has been symptom-free for 180 days.
- Waiting periods: There is a 14-day waiting period for accidents, illnesses, and certain injuries for cats and dogs.
- Potential for premium increases: ASPCA reserves the right to increase premiums based on a pet's age, although there don't seem to be many complaints about rising premium costs.
- Coverage limits: The annual coverage limit for cats and dogs ranges from $3,000 to $7,000, with additional options for unlimited annual payouts available by phone.
- Underwriting by Independence American Insurance Company: This company has received a high volume of complaints relative to its size, which may be a concern for potential customers.
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Cost and coverage of ASPCA insurance
The cost of ASPCA Pet Health Insurance varies depending on the level of coverage, reimbursement rate, and annual coverage limit. The average cost of ASPCA's pet insurance is $61 per month for a dog and $31 per month for a cat for $10,000 in coverage, a $250 deductible, and an 80% reimbursement level. ASPCA also offers unlimited annual coverage with a $250 deductible and an 80% reimbursement level for dogs and cats of various ages.
ASPCA's Complete Coverage plan covers accidents, alternative therapies, behavioural issues, chronic conditions, congenital and hereditary conditions, and illnesses. The accident-only plan covers accidents, diagnostics, and related treatments. ASPCA also offers wellness plans with basic and prime preventive care options to help cover the cost of routine care.
ASPCA's pet insurance has a few key benefits. Firstly, there is no maximum age limit for coverage, and all cats and dogs are eligible regardless of their health. Secondly, ASPCA allows you to visit any veterinarian, specialist, or emergency clinic without worrying about coverage acceptance. Thirdly, ASPCA offers easy claim filing through various methods such as online, via the MyPetInsurance app, email, fax, or mail.
ASPCA's pet insurance has a waiting period of 14 days for accidents, illnesses, and knee and ligament conditions. However, you can petition to have these waiting periods waived by submitting a qualifying Health Assessment Exam form within 30 calendar days of the exam's completion.
ASPCA's coverage includes a broad range of issues, such as accidents, illnesses, hereditary conditions (e.g., hip dysplasia, cherry eye), behavioural conditions, dental diseases, and alternative therapies. It also covers exam fees and the costs of diagnostics and treatments. ASPCA's insurance can provide peace of mind and help reduce financial strain when your pet requires medical care.
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Customer service experience
Customer reviews of ASPCA Pet Health Insurance are mixed. While some customers have praised the company for its prompt and efficient service, others have criticised its customer service and claim that the company does not make payouts.
One customer review states that ASPCA has been "prompt, thorough and efficient" and that the company has "never rejected or challenged a legitimate claim". Another review says that ASPCA is the "best pet insurance and worth the money" and that the company "always treats [them] and [their] pets well and pay [s]claims in a timely manner".
However, another customer claims that ASPCA is the "worst pet health insurance" and that the company "don't make any payouts". This customer filed 14 claims, but ASPCA only paid out a small amount. Another review states that ASPCA has "very poor service" and that the company will "lie about contacting the vet office, lie about attaching files, lie about calling you back, and lie about what they need".
ASPCA Pet Health Insurance offers a 30-day money-back guarantee if customers decide to cancel their plan. Customers can cancel their plan by emailing the company or calling and asking to speak to a representative.
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Reimbursements and claims
ASPCA Pet Health Insurance states that claims are generally processed and reimbursed within 30 days or less. You can file a claim online, through the MyPetInsurance app, or by email, fax, or mail. You can also choose to have reimbursements directly deposited into your bank account.
There are mixed reviews of ASPCA's handling of reimbursements and claims. Some customers have praised the company, saying that ASPCA has been "wonderful with coverage" and has helped them "mitigate costs". However, others have criticised the company for denying claims, with one customer stating that ASPCA will "deny any claim as pre-existing". There are also some negative reviews regarding the company's customer service, with one customer stating that they "never received a reply" to their emails.
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Frequently asked questions
ASPCA Pet Insurance offers broad coverage, including accidents, illnesses, hereditary conditions, behavioural conditions, alternative therapies, and more. It allows you to visit any veterinarian, specialist, or emergency clinic without worrying about coverage. The insurance also offers easy claim filing, direct deposit of reimbursements, and excellent customer service.
ASPCA Pet Insurance has been criticised for its poor customer service, with some reviewers claiming that the company lied about contacting vet offices and calling customers back. There have also been issues with the company denying claims as pre-existing conditions and not providing coverage for dental procedures.
The cost of ASPCA Pet Insurance depends on various factors, including your location, the coverage limits you choose, and your pet's breed and age. Rates for the accident-only plan start at $10, while the Complete Coverage plan starts at $16. Annual limits can be set by the customer, ranging from $2,500 to $20,000, or an unlimited option.
ASPCA Pet Insurance stands out for its wide-ranging and customizable coverage. The base accident and illness plan covers alternative treatment, prescription food and supplements, behavioural therapy, and microchip implantation, which may not be included or would cost extra with other insurers. ASPCA also offers unlimited annual coverage, which is not commonly offered by other providers.
