ASPCA Pet Insurance Review

ASPCA Pet Insurance Review

Imagine taking your pet to the vet for life-saving care only to realize that you can’t afford the treatment they need. Cost should never overshadow your love for your pet, and that’s why pet health insurance, like a policy from the ASPCA, is so crucial. With a comprehensive policy, you can rest assured that the care your pet needs is well within your reach.

Our ASPCA Pet Insurance review covers everything, including what’s included in the policy, what’s excluded from coverage, what add-ons cover, and how to use the policy.

ASPCA Pet Insurance Review: Features and Benefits

Your ASPCA Pet Insurance policy will cover some conditions that many other policies won’t. For instance, hereditary conditions such as hip dysplasia are often excluded because they are breed-specific, but not with the ASPCA policy. Additionally, their wellness plan tiers allow you to manage your policy cost by ensuring that you pay only for the services that your pet needs.

Do you have more than one pet? With ASPCA’s policy, you’ll receive 10% off each additional policy, so you can make sure all of your fur babies are covered.

• Coverage for hereditary conditions
• Preventative care and wellness plan add-ons
• Pet triage online
• 24/7 pet telehealth
• Poison control hotline assistance
• 10% multi-pet discount
• ASPCA Pet Insurance Review: Editorial Rating
• Trusted Company Reviews Rating Score for Company name: 8.7

ASPCA Pet Health Insurance is a top contender on our list of the Best Pet Insurance Companies in California, just missing a spot on our nationwide overview of the best providers. They rated highly for good reason. Their reimbursement-style policy can be used at any licensed veterinarian in the USA. Furthermore, their maximum annual coverage, reimbursement levels, and deductible options leave plenty of room for you to customize the cost and coverage of your policy.

Pets, young and old, are covered by ASPCA’s policy with coverage available from 8 weeks and up.

We were also very impressed by the ASPCA’s additional options, such as 24/7 pet telehealth, free online pet triage, and access to a 24/7 poison control hotline.

About ASPCA Pet Insurance

ASPCA is a trusted name in the prevention of cruelty to animals. They have been providing care and compassion to animals in need since 1866. Since then, they’ve spent countless hours and dollars supporting shelters and organizations nationwide to respond to disasters, care for animals, and advance animal welfare. In line with their values and mission, they began their Pet Health Insurance agency in 1997 and have continued to serve animals since then.

ASPCA’s Pet Health Insurance policies are comprehensive, offering coverage levels to fit every budget. From accident-only plans to standard plans with wellness add-ons, there are options to cover almost every healthcare need. They even provide coverage for end-of-life care, showing compassion for animals until the very end.

ASPCA Pet Insurance Review: Plans and Coverages

ASPCA Pet Insurance offers a wide variety of plan options, starting with an accident-only policy. This policy covers your pet for injuries related to accidents. Illnesses are not covered, but injuries such as bites, wounds, and swallowed objects are.

ASPCA’s standard policy covers care for both accidents and illnesses, including hereditary conditions, behavioral conditions, cancer, and cremation services.

Add a preventative care package to get the most out of your policy. The basic preventative care package covers your pet’s annual wellness exam, dental cleanings, vaccinations, and more. The Prime preventative care add-on covers everything included in the basic package, as well as additional vaccinations, urinalysis, spays and neuters, and health certificates.

Additional Plan and Coverage Information

ASPCA Pet Insurance Cost and Deductibles

Each ASPCA Pet Insurance policy varies in cost depending on your policy choice, add-ons, and your pet’s condition and age. To find out how much your policy will cost, visit the ASPCA Pet Insurance website for a free quote.

A deductible is the portion of covered expenses that you must pay out of pocket annually before your reimbursement will begin. When purchasing your policy, you’ll have the option to choose a deductible amount. Higher deductible plans will cost less and lower deductible plans will cost more. With an ASPCA policy, you can choose between $100, $250, and $500 deductible options.

ASPCA Pet Insurance Waiting Period Information

Pet Insurance waiting periods are the time frame you must wait before submitting claims for your pet’s care. If your pet experiences symptoms of an illness or injury or is diagnosed with a condition prior to the end of the waiting period, ASPCA will not cover care for that medical need. This is a standard clause across most pet health insurance policies.

ASPCA’s Pet Insurance waiting period aligns with the industry standard of 15 days. If your pet requires medical care before the completion of the waiting period, your policy will not reimburse you.

Does ASPCA Pet Insurance cover hip dysplasia?

ASPCA Pet Insurance covers the cost of treating hip dysplasia, even if your pet’s breed is prone to the condition. However, you must have purchased the policy, and the waiting period must pass before your pet shows symptoms; otherwise, the ASPCA will consider it a pre-existing condition and deny coverage.

Does ASPCA Pet Insurance cover medication?

Yes, ASPCA Pet Insurance does cover medication, as long as your vet orders the medication to treat a covered condition.

Does ASPCA Pet Insurance cover neutering?

Yes, ASPCA Pet Insurance covers spaying and neutering, but only under its Prime Preventative Care add-on. A standard plan will not cover the procedure, so you’ll need to opt for the Prime add-on when you purchase your policy.

What is not covered under an ASPCA Pet Insurance policy?

Your ASPCA Pet Health Insurance policy will not cover pre-existing conditions, cosmetic procedures (e.g., tail docking, ear cropping, claw removal), costs associated with breeding and pregnancy, and preventative care (unless you purchase the add-on).

ASPCA Pet Insurance Reviews

ASPCA Pet Insurance has a 4/5 score on Trustpilot, with 72% of reviewers giving the company a 5-star rating.

Many reviewers noted that they had been with ASPCA for several years and that the service met their expectations. They were complimentary of the customer service staff and the quick turnaround time on claims. They also stated that the app is easy to use and that claims are paid out as expected.

There were a few dissatisfied customers, but those with concerns mainly noted that ASPCA did not cover their bills as they had expected. A representative responds to each negative comment in an attempt to help the customer with their concerns.

ASPCA Pet Insurance Vs.Fetch

ASPCA and Fetch are both featured in our article on Top Pet Insurance Companies in California. While they both scored well, there are some notable differences between the two.

ASPCA Pet Insurance offers a 10% multi-pet discount, something you won’t find with Fetch. They also provide coverage without the need for a veterinary exam prior to enrollment. With Fetch, you’ll be required to have an exam to verify your pet’s health. Lastly, ASPCA offers Full Rainbow Bridge Support with their standard plan. This includes coverage for euthanasia, burial, and cremation, something you won’t find with Fetch.

Fetch Pet Insurance redeems itself for its lack of multi-pet discounts by offering discounts for active military personnel, veterans, AARP members, Blue365 members, and more. They also build holistic care and hospitalization boarding fees into their standard plans, only available as add-ons with the ASPCA.

ASPCA Pet Insurance Alternatives

Need other options to help protect your pets? Here are other pet insurance reviews by Tammy at Trusted Company Reviews:

• Lemonade Pet Insurance
• Spot Pet Insurance
• Careplus by Chewy Pet Insurance
• Fetch Pet Insurance
• Embrace Pet Insurance

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Tammy McKinney