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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.

Pros

30-day money-back guarantee
Optional wellness coverage
Routine & emergency treatments

Cons

14 day waiting period for illnesses
No pre-existing conditions

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Fee Structure Variety

7.0

Several deductible options and reimbursement levels, providing a few premium structures and some flexibility

Payout Speed

7.0

Claims are processed and paid out within 7-10 business days.

Integration Capabilities

7.0

Basic integration capabilities with a limited number of veterinary systems and mobile apps. Supports electronic claims submissions

Security measures

6.0

Meets basic industry security standards with standard encryption and regular audits

Customer support

7.0

Support is available during business hours with limited access on weekends or evenings, few contact methods

Most Commonly Asked Questions About Dog Insurance Plans

Before getting started with a dog insurance plan make sure to familiarize yourself with how dog 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 dog insurance to help make sure your dog is fully covered and protected.

Who is Dog Insurance For?

Pet insurance can benefit anyone with a dog. Whether you're bringing home a new puppy or adopting a mature dog from a pet rescue, making sure you have the right dog insurance can end up saving you more money than you realize. If you've had a dog for years but have never had dog insurance, some of the best dog 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 dog insurance is a good idea no matter the age of your pet. Owners with older dogs can especially benefit because, as dogs age, their bodies need more care and attention, just like people. Older dogs should be insured by a provider that offers specialized care for senior dogs. Those who have just gotten a puppy can benefit from dog insurance as well. Puppies need to go to the vet to get many different vaccinations. Therefore, the best dog insurance plan for the owner of a puppy should cover preventative care.

Is Dog Insurance Worth It?

Healthcare for pets can end up costing a lot of money. Having dog insurance provides you with the security of knowing that, in an emergency, you can choose the right 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 dog to the vet on a routine basis, you should look for insurance that covers routine visits and vaccinations. Finding the right pet 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 dog insurance for more than one animal.

Can Dog Insurance Save You Money?

Dog insurance can save you money if you choose the right one for your and your pet's needs. When it comes to emergency care, having dog insurance can help you save big. Pet surgeries for emergency situations can get expensive. If your dog experiences an accident, you can end up with vet bills costing thousands of dollars.

Because many dog 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.

Coverage could 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, dog insurance with the right copay and deductible ensures that you receive reimbursement for the majority of surgery costs.

What Are Some Common Dog Health Problems?

Dogs have many common health problems that may require you to take your pet to the vet. Having dog insurance gives you peace of mind knowing you can afford pet care. For example, stomach issues represent one of the most common causes for a vet visit among dogs. Dogs 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 dog insurance plans offer 80-90% reimbursement, so having a dog insurance plan when your pet needs extensive testing could turn out as a financial lifesaver.

Dogs often need treatment for skin conditions, ear and eye problems, and growths. If your dog 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 dogs 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. A number of pet 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.

Which Pet Insurance Provider is Good for Dogs?

There are a number of factors to consider. The best dog 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.

If you have an older dog, Pets Best and Petplan stand out as two of the better dog health insurance companies. Pets Best does not have upper age limits for coverage, and Petplan has plans designed specifically for senior dogs. It's important to note, however, that Petplan can get pricey, and they have no wellness program.

Along with its age, your dog's breed plays a major role in coverage and price for pet insurance. Larger breeds like bulldogs, mastiffs, retrievers, and Rottweilers are more prone to conditions like hip dysplasia. If you have a larger breed, you should look for a provider that will cover things like hip dysplasia and other conditions that affect large breeds.

For those seeking dog insurance for multiple dogs, the ASPCA offers owners of more than one dog special low rates. Unfortunately, the ASPCA does not cover pre-existing conditions.

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