ASPCA Pet Health Insurance is a top-rated provider in the pet insurance industry, offering comprehensive coverage at affordable rates. In our review, we found that ASPCA Pet Health Insurance ranked No. 2 on our list of the best pet insurance companies, scoring 4.5 out of 5 stars in every category we evaluated. While the provider offers competitive pricing and coverage options, there are some drawbacks to consider, such as a longer accident waiting period and a lower maximum annual coverage limit.
One of the standout features of ASPCA Pet Health Insurance is its coverage for senior pets. With no restrictions on senior enrollment or age-related benefit reductions over time, it is an excellent choice for pet owners with older pets. The company also offers affordable premiums for multiple types of pets, making it a popular choice for those seeking financial protection against unexpected veterinary bills.
ASPCA Pet Health Insurance is available in all 50 states and is backed by several large and highly rated underwriters, ensuring financial reliability for pet owners nationwide. While the provider is a separate entity from the ASPCA, the connection between the two organizations may offer policyholders peace of mind.
Pros of ASPCA Pet Health Insurance include offering two plan options to meet a wider range of coverage and budgetary needs, covering exam fees under all plans, and providing two wellness care options to expand coverage. Additionally, there are no upper age limits or other restrictions on senior pets, making it an ideal choice for older animals.
However, there are some cons to consider, such as the maximum annual coverage limit being capped at $10,000 when signing up online (higher limits may be available by phone), a longer accident waiting period than most other providers, and the lack of an option for online chat or 24/7 customer service.
In terms of pricing, ASPCA Pet Health Insurance offers competitive rates, with the average monthly cost for an accident and illness plan being $50 for dogs and $22 for cats. Customers can also receive a 10% discount for adding multiple pets to their policy. Premiums vary based on location, chosen coverage, and the pet’s age, breed, and species.
ASPCA Pet Health Insurance offers two main plan types: complete coverage (accident and illness coverage) and accident-only. The complete coverage plan is suitable for pet owners looking for comprehensive coverage for accidents, illnesses, chronic diseases, hereditary conditions, orthopedic conditions, and behavior problems. The accident-only plan covers accidental injuries and related ongoing costs.
Customers can also add preventive care plans to cover wellness services such as vaccines, routine dental care, and deworming. ASPCA Pet Health Insurance offers two preventive care plans: Basic and Prime, with varying reimbursement amounts for different services.
The provider allows for customization of coverage options, including choosing from three deductibles, three reimbursement rates, and four annual coverage limits. Customers can tailor their plan to meet their specific needs and budget, with options available regardless of the pet’s age.
Signing up for ASPCA Pet Health Insurance is a straightforward process, with an easy-to-use online quote tool that provides plan options and customization choices. Claims filing and payouts can be done through the company’s mobile app, although processing times may take up to 30 days or more.
Overall, ASPCA Pet Health Insurance is a solid choice for pet owners looking for affordable and comprehensive coverage for their furry companions. While there are some drawbacks to consider, the provider’s high ratings in coverage, covered treatments, and availability make it a reputable option in the pet insurance market.