ASPCA Pet Insurance Review

ASPCA Pet Health Insurance provides you with a highly versatile, surefire way to keep your pets protected with coverage that allows you to take your dog or cat to any veterinarian in the United States. What's more is that ASPCA Pet Health Insurance has a max annual coverage of $10,000, which is higher than most of their competitors.

PLANS





What pets can be covered by ASPCA Pet Insurance?

ASPCA Pet Health Insurance covers dogs, cats, and horses.

What types of plans does ASPCA Pet Insurance offer?

ASPCA Pet Health Insurance can offer you either accident-only coverage or coverage for illnesses and accidents that your pets might suffer. ASPCA Pet Health Insurance's basic plans don't cover wellness visits and also don't cover preventative care. Additionally, ASPCA Pet Health Insurance doesn't cover any pre-existing conditions that your pet might have had at the time that you signed up for ASPCA Pet Health Insurance. Although, it's worthwhile to note that ASPCA Pet Health Insurance will cover conditions that have been cured and symptom-free for over 180 days.

When does ASPCA Pet Insurance recommend you sign up for pet insurance?

The sooner that you sign up for ASPCA Pet Health Insurance the better. This is because many policy options for your pet won't cover pre-existing conditions that your pet might develop as they age.

Does ASPCA Pet Insurance offer a discount for multiple pets?

ASPCA Pet Health Insurance offers a 10% discount on each premium but the highest premium (which remains full price) when you have two or more pets on your account. Additionally, there is no limit to how many pets you can add to your account.

Does ASPCA Pet Insurance offer pet insurance in all 50 states?

With ASPCA Pet Health Insurance you'll be able to visit any licensed vet in the United States or Canada.

COVERAGE





Which breeds can be covered by ASPCA Pet Insurance?

There are no limitations to the breeds that can be covered by ASPCA Pet Health Insurance.

What are the minimum and maximum ages that are covered by ASPCA Pet Insurance?

ASPCA Pet Health Insurance doesn't have any upper age limits for new pet enrollments.

Which common procedures are covered by ASPCA Pet Insurance?

ASPCA Pet Health Insurance covers common procedures like lab tests, X-rays, hospitalization, surgery, diagnostics, etc.

Are emergency vet visits and procedures covered by ASPCA Pet Insurance?

ASPCA Pet Health Insurance offers different levels and covered items for your pet. Its broadest coverage plan will help cover your costs in many different scenarios where your pet gets hurt or sick. It includes hereditary conditions, such as hip dysplasia and eye disorders. A bonus of ASPCA Pet Health Insurance is that it provides reimbursements for alternative therapies, including hydrotherapy, acupuncture, and stem cell treatments.

One of the most critical and stand-out areas that the company covers is behavior. If your dog displays problems such as excessive barking, destructive chewing, or pulling, ASPCA Pet Health Insurance will cover related costs.

Which procedures or conditions are not covered by ASPCA Pet Insurance?

While ASPCA Pet Health Insurance covers many conditions and situations, some items are not covered. One such situation is preventative checkups, including annual exams, heartworm medication, vaccines, and dental cleanings. However, you can add this routine care option to your plan for an additional fee, helping to prevent health issues in your pet down the road. ASPCA Pet Health Insurance also does not cover pre-existing conditions, but they may be covered in the future if they can be cured and symptom-free for 180 days.

Are medicines and vaccinations covered by ASPCA Pet Insurance?

ASPCA Pet Health Insurance will cover prescription dog food if it's used for a covered condition, and not for weight management or general maintenance.



CLAIMS





How long is the waiting period after enrolling with ASPCA Pet Insurance?

ASPCA Pet Health Insurance has a waiting period of 14 days for all conditions. Any illnesses, conditions, or injuries that occur before or during your policy's 14-day waiting period will not be covered.

How do I file a claim with ASPCA Pet Insurance?

Your claims with ASPCA Pet Health Insurance can be submitted easily through the Member Center. You'll also be able to email, fax, or mail a claim that you have by using the form here. Simply print and fill the claim out, and then send the claim to the ASPCA Pet Health Insurance with your itemized invoice. From there, if you signed up for a direct deposit, your reimbursements will then be transferred directly into your bank account. Otherwise, your reimbursement check will be mailed. You'll also always have the option to switch to direct deposit or update your direct deposit account information at any time. Simply log into the Member Center, click "Claims," and then locate the "Direct Deposit" tab.

How do I pay my ASPCA Pet Insurance premiums? Do I have an option between paying monthly vs. paying annually?

Your reimbursement with ASPCA Pet Health Insurance is based on your overall vet bill. So, once you've met your annual deductible, you'll stand to get 90, 80, or 70% of your covered bill back. This will ultimately depend on the reimbursement percentage that you selected when you originally enrolled.

What other things should I consider about my ASPCA Pet Insurance coverage?

You will be able to change your plan two times a year, with mid-term and renewal being the two periods of time. Mid-term means literally any time of the year that is not renewal, and the renewal period is one year from the date that you sign up for ASPCA Pet Health Insurance. If you change your plan at mid-term you'll be able to increase/decrease your deductible, decrease your reimbursement percentage, or decrease your annual limit if it hasn't been met. This can ultimately be a positive reflection on your premium. If you change your plan during the renewal period you'll be able to increase/decrease your annual deductible, increase/decrease your reimbursement percentage, and then you will not be able to increase your annual limit unless you cancel your plan and start over. You can also add/cancel preventative care. If you opt for complete coverage with your ASPCA Pet Health Insurance plan you'll receive reimbursement for end-of-life expenses, euthanasia, cremation, and burial as long as your pet has passed from a condition that's eligible under your chosen policy. Your reimbursement is also subject to whatever your deductible reimbursement percentage is.



CUSTOMER SERVICE





What kind of customer support does ASPCA Pet Insurance offer?

ASPCA Pet Health Insurance receives widespread positive feedback from satisfied customers when it comes to their customer service. However, you should note that at this time ASPCA Pet Health Insurance doesn't offer live chat.

Does ASPCA Pet Insurance have a mobile app? 

ASPCA Pet Health Insurance has an app that's available on the App Store and Google Play. With the ASCPA Pet Health Insurance app you'll be able to submit your claims, monitor the status of your claims, pay bills/view billing history, locate a nearby vet clinic, sign up for a direct deposit, assess your pet and policy info, look up answers to FAQs, contact ASPCA Pet Health Insurance, add a new pet, and access poison control.

Does ASPCA Pet Insurance offer a trial period?

You can try any ASPCA Pet Health Insurance plan and pay nothing for 30 days. The ASPCA Pet Health Insurance's 30-day trial can be activated up to three days after a veterinary visit.

How can I cancel my ASPCA Pet Insurance plan?

ASPCA Pet Health Insurance offers next-day cancellation with a pro-rated refund that depends on if you received a claim. Cancellation can also be dependent on if you provide a 60-day notice to the insurance company.