ASPCA Insurance is a pet insurance provider that offers coverage for dogs, cats, and horses. The company was founded in 1997 by the American Society for the Prevention of Cruelty to Animals (ASPCA) and is underwritten by United States Fire Insurance Company. ASPCA Insurance is known for its customizable plans and high levels of coverage, which can help pet owners avoid unexpected veterinary expenses.
ASPCA Insurance Plans
ASPCA Insurance offers three levels of coverage for pets:
Plan |
Description |
Complete Coverage |
Includes coverage for accidents, illnesses, hereditary conditions, behavioral issues, and more. |
Accident-Only Coverage |
Covers injuries from accidents such as broken bones, snake bites, and car accidents. |
Wellness Coverage |
Covers routine care such as vaccinations, wellness exams, and dental cleanings. |
Each plan can be customized to fit a pet owner’s budget and coverage needs.
Complete Coverage
The Complete Coverage plan is the most comprehensive plan offered by ASPCA Insurance. It covers accidents, illnesses, and hereditary conditions up to the annual limit chosen by the pet owner. The plan also includes coverage for alternative therapies such as acupuncture and chiropractic care, as well as behavioral issues and prescription medications.
Included in the Complete Coverage plan is the ASPCA’s Pet Poison Control hotline, which is available 24/7 for pet owners who suspect their pet has ingested something toxic. The hotline can provide information on what steps to take to keep the pet safe and advise on whether veterinary care is necessary.
Pet owners can choose their annual limit, deductible, and reimbursement amount when customizing their Complete Coverage plan. The annual limit can range from $5,000 to unlimited, the deductible can range from $100 to $1,000, and the reimbursement amount can range from 70% to 90%.
Accident-Only Coverage
The Accident-Only plan is designed to cover injuries resulting from accidents such as broken bones, snake bites, and car accidents. The plan does not cover illnesses or hereditary conditions. Pet owners can choose their annual limit, deductible, and reimbursement amount when customizing their Accident-Only plan.
Wellness Coverage
The Wellness plan is designed to cover routine care such as vaccinations, wellness exams, and dental cleanings. The plan does not cover accidents or illnesses. Pet owners can choose their annual limit, deductible, and reimbursement amount when customizing their Wellness plan.
ASPCA Insurance FAQ
What is covered under ASPCA Insurance?
ASPCA Insurance covers accidents, illnesses, hereditary conditions, behavioral issues, and routine care, depending on the plan chosen by the pet owner. The Complete Coverage plan is the most comprehensive plan and covers all of these areas.
What is not covered under ASPCA Insurance?
ASPCA Insurance does not cover pre-existing conditions, elective procedures such as spaying and neutering, or cosmetic procedures such as tail docking and ear cropping. The company also does not cover any services related to breeding or fertility, including castration or impotence.
How do I file a claim with ASPCA Insurance?
To file a claim with ASPCA Insurance, pet owners can log in to their online account and submit a claim form along with any necessary documentation such as veterinary bills or medical records. Claims can also be submitted by mail or fax. Once the claim is received, ASPCA Insurance will process it within 14 business days and reimburse the pet owner according to their plan’s coverage.
What is the cost of ASPCA Insurance?
The cost of ASPCA Insurance varies depending on the plan chosen, the pet’s age, and any pre-existing conditions. Pet owners can get a quote online by answering a few questions about their pet.
Does ASPCA Insurance have a waiting period?
Yes, ASPCA Insurance has a waiting period of 14 days for illnesses and coverage for routine care. The waiting period for accidents is 48 hours.
Can I use any veterinarian with ASPCA Insurance?
Yes, pet owners can use any licensed veterinarian with ASPCA Insurance. The company does not have a network of preferred providers or require referrals.
Conclusion
ASPCA Insurance is a pet insurance provider that offers comprehensive coverage for dogs, cats, and horses. The company’s customizable plans allow pet owners to choose the coverage that fits their budget and needs. With benefits such as coverage for accidents, illnesses, hereditary conditions, behavioral issues, and routine care, ASPCA Insurance can provide peace of mind to pet owners and help them avoid unexpected veterinary expenses. If you’re considering pet insurance, ASPCA Insurance is definitely worth checking out.
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