What Does ASPCA Pet Health Insurance Cover?
ASPCA Pet Health Insurance offers coverage for some of the most common hereditary and congenital pet diseases, such as ligament conditions, dermatitis, or cataracts. Uncommon but welcome addition is stem cell therapy.
Preventive care is also included if you want to pay for this add-on. Another advantage is that the company offers horse insurance policies.
ASPCA Pet Health Insurance Features
ASPCA Pet Health Insurance is easy to access. The company’s website is user-friendly. You’ll find comprehensive information on how ASPCA Pet Health Insurance works, and you can get an instant quote. Moreover, you can also use this website to find licensed vets. ASPCA Pet Health Insurance is available in all states. Yet, the horse insurance policy is only available in some. Overall, ASPCA Pet Health Insurance is a fast and straightforward pet insurance service.
ASPCA Pet Health Insurance Pricing Plans
There are two preventive care plans, Basic and Prime. The Basic plan includes some vaccines, spaying and neutering, deworming, fecal test, Feline FeLV tests and dental care. It offers maximum coverage of $100,000. The Prime plan also covers blood tests, and urinalysis. The coverage limit is $150,000.
The accident-only policy covers costs related to unexpected injuries caused by accidents. This plan includes surgery, fractures, tooth extraction, and other accident-related injuries.
The company’s most comprehensive plan, Complete Coverage, includes all sorts of expenses related to unexpected illnesses and accidents. Besides hospitalization, surgery, and treatments, it also covers lab tests, veterinary exams, poison consultation, stem cell therapies, tooth extraction, prescription food for different conditions, alternative therapies, end of life expenses.
ASPCA Pet Health Insurance offers discounts of 10% for pet owners who add more than one pet to their insurance plan. You can also access additional discounts if your employer works with this insurer. The employer discount is also 10%.
ASPCA Pet Health Insurance Waiting Period
The waiting period this insurer applies is only 14 days. This is half as long as most other insurers require.
Reimbursement and Deductibles
This company offers the typical reimbursement rates. You can choose between a rate of 70%, 80%, or 90%. ASPCA Pet Health Insurance offers multiple deductible options. The ones they show on the website are $100, $250, and $500.
Claims Process
ASPCA Pet Health Insurance provides a straightforward claim process. You just need to create an account on the company’s website and log in at any time to make your monthly payments or submit claims, which takes only a few minutes. It usually takes less than 30 days for claims to be processed.
Why You Should Choose ASPCA Pet Health Insurance
This is one of the few insurers that also covers horses. The service is available nationwide, and it is easy to access through an intuitive website. The premiums are relatively affordable, and the waiting period is only 14 days.
Why We Chose ASPCA Pet Health Insurance
ASPCA Pet Health Insurance is a reliable pet insurer. It covers lots of different costs associated with medical conditions and accidents and also offers preventive care coverage. Overall, the service is fast and affordable.
What Is Missing
Although ASPCA Pet Health Insurance does a great job offering coverage for various conditions and prevention needs, it doesn’t focus on grooming. You cannot get reimbursed for cosmetic procedures. It doesn’t cover whelping and breeding either. The company only covers dogs, cats, and horses at the moment.
Disclaimer
The information on this website is provided for the sole purpose of helping you make an informed decision when selecting a pet insurance company. Our team of experts thoroughly analyzes each brand in order to provide our readers with up-to-date and accurate information. However, the pricing plans and other insurance details mentioned in our reviews are subject to change as each company might update its offer. The information on our website does not constitute legal advice and should not be treated as such.