Have you ever wondered how you’d manage your pet’s unexpected health costs? ASPCA Pet Insurance offers a solution to help you care for your furry friends without the financial stress.
With a range of coverage options, including accident, illness, and wellness plans, ASPCA Pet Insurance ensures that your pet gets the best care possible while you can rest easy knowing you’re covered.
So, whether it’s a sudden injury or a routine check-up, having the right insurance can make all the difference in providing your pet with the treatment they need.
ASPCA Pet Insurance Plans and Coverage
ASPCA offers a comprehensive pet health insurance plan that covers both accidents and illnesses, which are the most common concerns for pet owners.
This plan addresses a wide range of issues, ensuring your pet gets the care they need. In addition, ASPCA allows you to add a wellness plan to your policy for preventive care.
However, it’s important to note that ASPCA does not offer an accident-only plan.
Pet Accident and Illness Coverage
The ASPCA Pet Health Insurance plan provides extensive coverage for a variety of incidents and conditions. This plan includes:
- Injuries like torn ligaments, broken bones, and toxic ingestion.
- Illnesses such as digestive issues, ear infections, hypothyroidism, and urinary tract infections (UTIs).
- Medical services, including MRIs, ultrasounds, and bloodwork.
- Congenital and hereditary conditions, such as intervertebral disc disease (IVDD), heart disease, eye disorders, and hip dysplasia.
- Alternative therapies like chiropractic care and rehabilitative therapy.
- Chronic conditions, including diabetes and cancer.
- Behavioral problems like destructive chewing, excessive licking, pacing, and fur pulling.
- Prescription medications and microchip implantation.
ASPCA also provides wellness plans as an add-on, which helps reduce the cost of routine care. Each wellness plan has specific services and a maximum annual benefit.
For example, your plan might offer a $50 reimbursement annually for wellness exams. After paying for veterinary services, you can submit a claim for reimbursement, which covers wellness exams, dental cleanings, vaccinations, heartworm/flea prevention, spaying/neutering, and more.
What ASPCA Pet Insurance Does Not Cover
Like most insurance policies, ASPCA Pet Insurance has exclusions. Some of the things it does not cover include:
- Breeding costs.
- Pre-existing conditions that began before the policy starts.
- Cosmetic procedures, such as tail docking, ear cropping, and claw removal.
However, while pre-existing conditions are generally not covered, certain curable injuries or illnesses may be eligible for coverage if they are symptom-free for at least 180 days (excluding conditions like ligament and knee problems).
ASPCA Pet Insurance Coverage Levels
With ASPCA Pet Insurance, you can customize your coverage to suit your budget. You can choose your annual payment amount, ranging from $100 to $500.
You’ll also select your reimbursement percentage, which can range from 70% to 90%. Additionally, you can decide on an annual spending limit, with options starting at $2,500 and going up to unlimited coverage.
If you’re willing to pay more out-of-pocket when your pet needs care, you can lower your insurance premiums. Just remember, this means you may have to cover more of the vet bill yourself.
How Much Does It Cost?
The cost of your pet insurance policy depends on several factors, such as where you live, your pet’s breed, type, coverage level, reimbursement percentage, and deductible.
To get an accurate quote, it’s best to visit ASPCA’s website or consult an agent.
How to Purchase ASPCA Pet Insurance
ASPCA Pet Insurance is available in all 50 states, including Washington, D.C. If you’re ready to purchase, you can visit the ASPCA pet health insurance quote page.
To get a quote, you’ll need to provide information about your pet, including their sex, age, breed, and your zip code. From there, you can choose between accident-only coverage or full coverage for your pet.
You’ll also be able to adjust your deductible, annual limit, and payout percentage to match your budget.
If desired, you can add a wellness plan to cover things like vaccinations, wellness exams, and neutering/spaying.
Additionally, check for discounts you may qualify for, such as a 10% discount for enrolling multiple pets.
How to File an ASPCA Pet Insurance Claim
ASPCA makes filing a claim simple and fast. Claims can be submitted online through the member center or via the mobile app, available for both Android and iPhone users.
The claim window is 270 days, and the average reimbursement time is about 9 days, with a maximum of 30 days for reimbursement.
To file a claim, you’ll need to provide certain details, including your name, address, contact information, and a description of the treatment and condition.
You’ll also need to submit itemized receipts for all expenses related to the treatment your pet received.
Conclusion
ASPCA Pet Insurance offers comprehensive coverage that can provide peace of mind to pet owners.
Regardless of if you’re dealing with an unexpected injury, a chronic illness, or just routine care, ASPCA’s policies give you the flexibility to choose the coverage that best suits your pet’s needs and your budget.
By adding wellness care and adjusting your coverage, you can ensure your pet receives the treatment they deserve, without the financial burden.