Pets are like family members, and modern insurance plans have a lot to offer for humans who want to protect their animal companions. The American Society for the Prevention of Cruelty to Animals offers one such pet health insurance option under the ASPCA name.
Of course, this isn’t your only option. Here are some facts that might help you make a smart decision.
A Quick History of ASPCA Pet Health Insurance
The ASPCA is a humane society notable for being the first of its kind in North America. ASPCA Pet Health Insurance is actually offered through the organization’s partnership with the Hartville Pet Insurance Group, which has a long history as a provider of animal health coverage. The two organizations banded together to offer insurance in 2006.
ASPCA plans are underwritten by the United States Fire Insurance Company. The Fairmont Speciality Insurance Agency administers details like claims, billing, sales and service. Both of these entities are members of the nationally recognized Crum & Forster Enterprise.
ASPCA pet insurance comes in different levels designed to suit the care needs of specific consumers. Because coverage options vary from state to state, it’s important to obtain an individualized quote. For instance, typical plans might offset the costs of:
- Level 1: Injuries such as broken bones, car accidents, burns, bite wounds and toxic ingestions.
- Level 2: Level 1 injuries and also illnesses, such as cancer, diabetes, various infections and upset stomachs.
- Level 3: Level 1 injuries, level 2 illnesses and advanced care, like hereditary conditions and behavioral problems.
The Pros of ASPCA Pet Insurance Plans
Policy holders enjoy the freedom to customize their coverage. For instance, you can add Routine Wellness for an extra $10 per month to receive reimbursements for procedures like spay or neuter surgeries, fecal screenings, blood and heartworm tests and common vaccines. For an additional $25 per month, you also receive reimbursements for dental cleanings, microchipping, annual exams and other health necessities.
Policyholders may choose from a range of deductibles in order to change their premium payment amounts. In the same vein, your choice of premium level impacts how much of a reimbursement you receive. This flexibility may be helpful for families on a budget or those whose pets rarely need medical attention.
ASPCA pet insurance features a quick quote process, so you can sign up online and begin your coverage within a day or so. ASPCA policies are also network-free, so users can take their animals to any veterinarian in Canada or the U.S. Those who dislike the policy can take advantage of a 30-day, money-back guarantee, and this provider promotes itself as resolving claims promptly.
Cons of ASPCA Pet Insurance
Unfortunately, ASPCA pet insurance only covers dogs and cats. This insurer also rejects claims when it determines that they involve preexisting conditions. Although you can create a policy relatively quickly, there’s a 12-month waiting period before many conditions are eligible for coverage. Hospital food, boarding and many alternative therapies are also excluded.
The fact that the ASPCA also operates animal hospitals and partners with some veterinary clinics may be a double-edged sword. On one hand, it means that you can choose from numerous caregivers in your area. It may also result in you paying more if you require assistance from a vet or specialist that doesn’t partner with the ASPCA.
What Are People Saying About ASPCA Pet Insurance?
As with any large insurer, people’s opinions are mixed. Some consumers indicate that claims are more likely to be filled when policyholders have spent more time paying into their plans, but this isn’t true across the board. Others report serious miscommunications over issues like pricing, claim eligibility and whether or not curable conditions are covered. Some people’s pets became ineligible for coverage because the ASPCA renewed their policies and redesignated illnesses as preexisting conditions.
Overall, ASPCA pet insurance has its ups and downs. It’s extremely important to review your own terms so that you don’t get caught by a coverage technicality or end up paying for unnecessary services.