ASPCA Pet Insurance – Affordable Pet Insurance for Dogs and Cats

ASPCA pet insurance offers reasonable pet health plans for canine and feline pets. There are four levels of protection, a wellness coverage and an option for chronic conditions you can choose from:

Four Levels of Coverage

• Level 1 is a basic accident cover that pays for injuries originating from accidents and veterinary procedures associated with an accident. This plan will not cover illness or preventative routine care. There is an annual maximum coverage of $8,000 with a per-incident maximum benefit of $2,500.
• Level 2 covers accidents and illnesses, but no wellness care. The annual maximum benefit is $8,000 with a pre-incident cover maximum of $1,500 .
• Level 3 will insure your pet for accident and illness and on top of this also for basic routine care. The annual maximum for this level is $11,000 with a per-incident maximum benefit of $3,500.
• Level 4 is a comprehensive coverage for accident, illness and advanced wellness care, that includes advanced vaccinations, dental cleaning and flea and heart worm prevention on top of the routine care. Annual maximum is $13,000 , per-incident maximum comes to $5,000.

Beside these four levels of coverage ASPCA pet insurance recommends to take out their Continuing Care option for the cover of chronic health conditions in subsequent years.

Premiums of all pet health plans offered will rise every year after your pet has had it's ninth birthday.

Deductible, Coinsurance, Reimbursement

The deductible is an annual $100 for all four Levels. If you chose to buy the Continuing Care option, you will need to pay an extra $100 annual deductible on top of your basic care policy.

Co payment is always 20%.

ASPCA pet insurance pays according to allowable covered charges. This means, they pay for costs that are considered reasonable for the geographic area you live in. The company uses publicly available and proprietary information about vet fees and charges to determine fair reasonable veterinary expenses.

This insurer lets you choose your own vet for your pet.

Waiting Period

Accident and routine care cover starts as soon as the policy is effective. Illness coverage: 30 days after the policy is effective.

The waiting period info does not apply in all states the same. Also, be aware that the company issues policies on the 1st and on the 15th of a month only.

Continuing Care for Coverage of Chronic Problems

ASPCA Pet Insurance recommends to take out the cover for ongoing care. Illnesses or injuries that develop in one policy year and which will need veterinary care and treatment in following years can be covered with this optional plus.

This option can be added to Level 2 -4.

Example: the additional premium on top of Level 2 starts at $5.05/ month for a cat and $6.56/month for a dog with a lifetime maximum benefit of $2500 and a per-incident limit of $1000. (Rates apply to certain breeds, age of pet and the location you live at.)

Eligible are pets under 11 years of age that are not yet diagnosed with a chronic health problem and it needs to be purchased at the time of your first enrolment or at a renewal, not at mid-term.

There is an extra $100 annual deductible (see above) that is separate from the deductible of your base plan.

Exclusions

To see the complete list of exclusions, you will need to request an ASPCA pet insurance quote and read the sample policy!

During the first policy year they will not cover any costs that occur with diagnostic, treatment and surgery/rehab therapy for anterior (= cranial) cruciate ligament problems!

More Exclusions

• Elective, inhumane treatments and surgery (tail docking, ear cropping, dew claw removal etc.)
• Hereditary, genetic and congenital (with born) health problems
• Pre existing conditions
• Chronic conditions (they can be covered, if you buy the Continuing Care option)
• Alternative and complementary therapies, such as acupuncture, chiropractic, holistic, homoeopathic and herbal treatments, physiotherapy, vaccine antibody titer, behavior therapy, experimental procedures and organ transplants.
• Health problems associated with breeding and pregnancy
• Boarding costs
• Travel expenses and time to a vet clinic
• Health certificates
• Vaccination tags
• Prescription diets and special food
• Grooming and grooming supply
• Pre anaesthetic testing (except: before an eligible dental cleaning)
• Multiple incidents of e.g. swallowing a foreign body within a policy period
• Periodontal disease, deciduous teeth and gingivitis.

Age limit for Pets

Dogs will be accepted by ASPCA pet insurance up until they reach 13 years of age, cats until they are 15 years old. If your pet is older than the limit, it can be enrolled on the basic accident cover plan, Level 1, only.

Discounts

10% multiple pet discount, if you insure them all on the same leveled pet health plan.