|Value For Money|
- Covers curable preexisting conditions
- Has customizable annual limits
- Maximum reimbursement of 90%
- Annual deductibles
- No live chat
- Quite long processing time
- Only insures dogs and cats
- Preventive care can be acquired only as add-on
Some beings stay in our hearts forever, some get forgotten in the mist of the past. Pets certainly belong to the first category. And what better way to take care of them than by enrolling them with a pet insurance company like ASPCA Pet Health Insurance? This provider’s prices are reasonable, covering accidents, illnesses, hereditary and congenital diseases, exam fees, and so on, for pets in the U.S. and Canada. Customer service with ASPCA is available through telephone or email. The company was founded in 1997 and is part of a strategic partnership with the American Society for the Prevention of Cruelty to Animals. This was the first humane society in North America to represent a crucial voice for animal wellbeing in the U.S. ASPCA is involved in numerous activities for pet owners, among which there is the community partner program, dedicated to ending unnecessary euthanasia for adoptable pets.
Services and Coverage
ASPCA Pet Health Insurance offers one straightforward plan – the Complete Coverage, with customizable annual caps, reimbursement rates that can reach 90%, and yearly deductibles. This firm only provides coverage for dogs and cats, and does not provide coverage for preexisting conditions. However, the company recognizes the difference between curable and incurable preexisting conditions, which is an advantage over its competitors that usually do not.
This means that if a preexisting condition has been cured and the pet hasn’t shown any symptoms or received treatment for it in the past 180 days, it is no longer considered preexisting. Exceptions to this are knee and ligament issues. Other exclusions include cosmetic procedures, breeding costs, and dental cleanings.
What’s interesting about this insurer is that it covers behavioral issues, which is not often seen with pet insurance providers. ASPCA Pet Health Insurance does not impose a maximum age restriction on furry friends it enrolls, and just like with all pet insurance firms, prices differ depending on the pet’s breed.
The company also offers accident-only and preventive care coverage. The accident-only plan includes exam fees, as well as costs associated with the diagnosis and treatment for injuries only. The preventive care coverage is available only as an add-on and it can be added to your pet’s plan for only a few extra dollars a month. The waiting period with ASPCA is 15 days after the effective date of the policy.
ASPCA Pet Health Insurance provides its existing clients with a mobile app called My Pet Insurance, where they can submit and track their claims, locate a nearby vet office, or get in touch with the company.
On its website, the company has a helpful, informative blog where pet parents can get informed on the latest news on pet insurance and how to take care of their beloved four-legged family members.
Claims with ASPCA Pet Health Insurance can be submitted through the My Pet Insurance app, online, or via email, fax, or regular mail. Doing so via the mobile app is easy, requiring you just to attach a picture of the vet’s invoice. If you prefer to do this via email, fax, or mail, a certain form has to be downloaded from the firm’s website.
It takes maximum of 30 days for claims to be resolved, which is quite long, compared to some of its competitors. However, the provider states that usually claim processing takes around 14 to 16 days on average. Reimbursements are available as direct deposits into your bank account or through a mailed check. In order to receive them as direct deposits, clients have to sign up for them at the Member Center on the provider’s website.
Cost, Reimbursement, and Deductibles
Pricing with ASPCA Pet Health Insurance varies according to the annual limit, reimbursement, and annual deductible selected. Obviously, the higher these are, the greater the cost of the monthly plan will be. ASPCA only has yearly deductibles that range from $100 to $500. Payments caps range from $5,000 to an unlimited cap, while the reimbursement limits vary from 70% to a maximum of 90%. ASPCA does not have any time limits.
The provider charges a $2 transaction fee monthly, quarterly, or semi-annually. If, however, the plan is paid for an entire year, this fee is waived. ASPCA Pet Health Insurance offers a 30-day money-back guarantee if no claims are made. The firm also offers a 10% discount for enrolling multiple pets.
ASPCA offers two preventive care plans only as add-ons to the main one. They are called Basic, covering dental cleanings, wellness exams, deworming, heartworm tests, etc., and Prime, which also covers neutering, flea and heartworm prevention, blood tests, and others. The total annual benefit for the Basic plan is $250 and for the Prime one, $450. Obviously, the Prime plan is more expensive than Basic. These preventive care plans have no waiting periods and they don’t require the pet owners to pay the deductible first, before reimbursement.
Below are the quotes for Yoda, Best Reviews’ virtual pet, based in North Carolina, from ASPCA Pet Health Insurance.
|Deductible||Reimbursement||Yearly Cap||Monthly Premium|
|Total Yearly Benefit||Monthly Premium||Coverage|
Rabies or Lyme Vaccine/Titer
|Total Yearly Benefit||Monthly Premium||Coverage|
Enrollment and Cancellation
To enroll your pet with ASPCA Pet Health Insurance, it is necessary to go on the company’s website and get a quote for your pet, after filling in his or her details. After choosing the most appropriate annual coverage limits, reimbursement rates, deductibles, and any preventive care plans, enrollment can be done rapidly and easily. Payments for the plans can be made by Visa, MasterCard, Discover, and so on, or through bank transfer. In case you need any help, the company provides a telephone number and an email address where it can be contacted.
Cancelling enrollment with ASPCA is possible if the pet parent notifies the company in maximum 30 days from the date the policy has become effective. In such cases, the provider will refund the paid premium only if there were no applicable covered expenses or reimbursements.
Upgrades with this insurance firm are available upon contacting customer relations. Mind you, it could be possible that an upgrade might result in new waiting periods. Moreover, any conditions that might have occurred before the upgrade will be considered by the company as being preexisting ones.
With ASPCA Pet Health Insurance, customer service is available via email or telephone from Monday to Friday between 8am and 9pm EST, on Saturday during 9am and 5pm EST, and on Sunday between 11am and 3pm EST. FAQs can be found in the Top Questions section, although they are not too detailed or thorough. The website really lacks the presence of a live chat which would make communication much easier.
But ASPCA Pet Health Insurance is present on different social media platforms like Facebook and Twitter, where it is usually available to answer only during the hours mentioned earlier, too. When we contacted the customer service via Facebook, we were invited to get in touch with the company via telephone, which is quite a downside since not all pet owners prefer phone as their method of support.
ASPCA Pet Health Insurance is a pet insurance company that made a strategic partnership with ASPCA, which is a serious advocate for pet wellbeing in the U.S. This provider has one customizable insurance plan called Complete Coverage, an accident plan, and two preventive care ones.
The main plan has changeable annual caps and customizable reimbursement rates and yearly deductibles. The highest reimbursement with ASPCA Pet Health Insurance is 90% and the company only insures dogs and cats. Unlike many other competitors, this pet insurance firm covers curable preexisting conditions, under certain circumstances.
Claims can be made online via the mobile app or through email, fax. or regular mail. Claims are usually settled in 30 days maximum, which is not the fastest reimbursement among its competitors. However, waiting periods are fair – only 15 days. If you are looking for a responsible partner to insure your pet, ASPCA Pet Health Insurance is definitely a worthy contender.