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ASPCA Pet Insurance Review

In a nutshell: ASPCA provides comprehensive pet insurance for dogs and cats. Unlike many other pet insurance providers, ASPCA coverage extends to include both routine and emergency treatments. Customers can customize their plan to choose their deductible, reimbursement percentages (70%-90%), and annual limits. ASPCA also promises a 30-day money-back guarantee.

ASPCA Pet Insurance Review

Overview

ASPCA provides flexible pet insurance for dogs and cats with fully customizable annual plans. Where some pet insurance companies fall short by not including routine health care for pets, ASPCA offers comprehensive coverage including anything from routine exams to emergency treatment.

Many may know of the ASPCA (American Society for the Prevention of Cruelty to Animals) already, but what you might not realize is that this pet insurance only carries the brand name. In fact, the pet insurance agency Crum & Forster and its arm company, Hartville, actually ASPCA pet insurance. The company pays a fee to use the mark, but isn’t actually run by the ASPCA. The company started running as a pet insurance company back in 1997.

Policies

Overall, ASPCA pet insurance stands out for offering a range of coverage options including both routine and emergency treatments. With ASPCA, customers get comprehensive pet insurance covering exams, diagnostics, hospitalization, injuries and illnesses, cancer, hereditary conditions, behavioral issues, and dental disease. Because ASPCA has such broad coverage, customers may end up paying a bit extra for their pet insurance costs. Still, this may be worth it as it will prevent from paying expensive vet bills out of pocket later on.

Limitations

Although ASPCA pet insurance offers a fair amount of important coverage, their plans do not cover pre-existing conditions, cosmetic procedures, and breeding costs. That being said, the things not included in the coverage usually don’t apply to all pet owners. ASPCA will cover dogs and cats 8 weeks old and up and does not have a limitation on the pet’s age.

ASPCA pet insurance does have some limitations in terms of waiting periods. Accidents have no waiting periods, however, illnesses, cruciate ligaments, and hip dysplasia all have 14-day waiting periods. ASPCA does not have any annual limit or deductible for preventative care coverage.

Cost

ASPCA pet insurance has customized plans to meet the needs of different budgets, breeds, and pets. Customers can choose their deductible from $100, $250, or $500. ASPCA also has different options for reimbursement percentages between 70%, 80%, and 90%. Its coverage ranges from $2,500 to unlimited.

Rates will vary depending on the animal, location, and the selected plan. For example, a two-year-old male labrador in Iowa will cost $49.70 per month with an 80% reimbursement level, $250 annual deductible, and $10,000 annual maximum. Meanwhile, an eight-year-old female golden retriever in Illinois will cost $69.35 per month with a 70% reimbursement level, $500 annual deductible, and $5,000 annual maximum. For cat owners, a two-year-old mixed breed cat in Ohio will cost $25.95 per month with an 80% reimbursement, $250 annual deductible, and $20,000 annual maximum.

Customer Support

Whether your furry friend is a dog or a cat, ASPCA pet insurance promises reliable coverage with quality customer service. Bearing the mark of such a well-reputed organization means you can expect a higher level of insurance, even if not directly run by the ASPCA.

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Most Commonly Asked Questions About Cat Insurance Plans

Before getting started with a cat insurance plan make sure to familiarize yourself with how cat insurance works and what plan is best for your furry friend. To help you get started, we've compiled a list of some of the most commonly asked questions about cat insurance to help make sure your cat is fully covered and protected.

Who is Cat Insurance For?

Pet insurance can benefit anyone with a cat. Whether you're bringing home a new kitten or adopting a mature cat from a pet rescue, making sure you have the best cat insurance for your new pet can end up saving you more money than you realize.

If you've had a cat for years but have never had cat insurance, some of the best cat insurance plans could benefit you. Plans cover routine visits as well as emergency care. This means that you wouldn't pay much for routine vet visits, and you have the added security of emergency care coverage.

Having cat insurance is a good idea no matter the age of your pet. Owners with older cats can especially benefit because, as cats age, their bodies need more care and attention, just like people. The best cat health insurance plan for owners with an older cat should specialize in care for senior cats.

Those who have just gotten a kitten can benefit from cat insurance as well. Kittens need to go to the vet to get many different vaccinations. Therefore, the best cat insurance plan for the owner of a kitten should cover preventative care.

Is Cat Insurance Worth It?

Healthcare for pets can end up costing a lot of money. Having cat insurance provides you with the security of knowing that, in an emergency, you can choose the best medical option for your pet without spending a fortune.

You don't have to make any decisions about your pet's well-being based on your finances. If you already take your cat to the vet on a routine basis, the best cat pet insurance plan for you should cover routine visits and vaccinations.

Finding the best cat health insurance for your situation and your pet is key. To do this, review the features of the plans available and the type of coverage offered. If you have multiple pets, for example, some companies give discounts on cat insurance for more than one animal.

Can Cat Insurance Save You Money?

Cat insurance can save you money, especially if you select the best cat insurance for your pet and your financial situation. When it comes to emergency care, having cat insurance can help you save big. Pet surgeries for emergency situations can get expensive. If your cat experiences an accident, you can end up with vet bills costing thousands of dollars.

Because many cat breeds are very active, they can injure themselves by running, jumping, and playing just as humans do. If your pet lands wrong after jumping or overexerts themselves while running, they could easily tear a ligament in one or more of their limbs. Testing and specialized surgery to repair something like a torn cruciate ligament can leave you with vet bills totaling more than $5,000. If you have the best cat health insurance for your pet, coverage would cover most of the surgery costs and decrease the bill by almost $4,000 with the right copay and deductible.

If your pet has an accident with a car, you could end up paying around $10,000 for the surgeries needed in order to save their life. In this situation, cat insurance with the right copay and deductible ensures that you receive reimbursement for the majority of surgery costs.

What Are Some Common Cat Health Problems?

Cats have many common health problems that may require you to take your pet to the vet. Having cat insurance gives you the peace of mind of knowing you can afford pet care. For example, stomach issues represent one of the most common causes for a vet visit among cats. Cats suffering from symptoms like vomiting, diarrhea, and refusing food may need an ultrasound, which can range anywhere from around $300 to $500. Some cases may also require additional testing like an endoscopy, which can cost from $800 to $1,000, or a $3,000 CT scan.

The best cat insurance plans offer 80-90% reimbursement, so having a cat insurance plan when your pet needs extensive testing could turn out as a financial lifesaver. Cats often need treatment for skin conditions, ear and eye problems, and growths. If your cat needs treatment for a skin condition like dermatitis, you may need to pay anywhere between $100 to $500 for their prescriptions. The bill for a visit to the vet for something as small as an ear infection could cost as much as $250. If your pet needs treatment for an eye condition, surgery could cost thousands of dollars. When cats need care for a growth, a biopsy can cost as much as $1,500. If test results show signs of cancer, a full course of chemotherapy can cost around $15,000.

The best cat insurance plans cover preventative care so that you can catch a lot of issues early on and avoid these high costs. Plans also include illness coverage if your pet is diagnosed with a serious condition.

What is the Best Pet Health Insurance Plan for Cats?

Cat owners should consider a variety of factors to determine the best cat insurance. The best cat health insurance for one pet may not always make sense for another. Circumstances vary from animal to animal so you should think of your pet's age, breed, and overall health when selecting insurance. Of course, you'll also need to consider your budget, the type of specialized services you may need (such as grooming, breeding, etc.), and how many pets you have.

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