Pet insurance It provides pet owners with a financial safety net, giving them the peace of mind that their furry family can get the veterinary care they need if they experience an injury or emergency. with The cost of veterinary medicine is increasingInvesting in pet insurance can be a good option if the monthly premium fits your budget. If your pet suddenly needs expensive veterinary treatment, a pet insurance policy can cover some or all of the costs.
If you’re considering pet insurance, the ASPCA is a popular provider that offers a wide variety of coverage options, including horse policies. The company provides sickness and disability coverage and preventive care insurance. Let’s dive deeper to review the ASPCA’s pet insurance options, costs, pros and cons. Get started now with a free pet insurance quote from the ASPCA.
Overview of ASPCA pet insurance
The acronym ASPCA comes from the American Society for the Prevention of Cruelty to Animals, which is written on insurance policies by American fire insurance companies. Policies are administered by PTZ Insurance Agency.
The ASPCA offers a comprehensive coverage plan, which covers accidents — like broken bones and torn ligaments — and injuries from minor to serious. Includes cover Dental issuesHereditary conditions, behavioral issues and alternative therapies.
ASPCA offers Risk-only plan A preventive care option that offers low premiums and cash for spays, neuros, annual checkups, teeth cleanings and more.
How Much Does ASPCA Pet Insurance Cost?
The ASPCA does not list starting prices for policies on its website, likely because premiums vary by age. Seed, coverage plan and even where you live. Here are some general pricing guidelines to consider when getting a pet insurance quote
- all in all, Young pets they are. Less expensive To insure that they are less likely to develop serious health problems than older pets.
- Hybrid breeds are cheaper to insure Partly because they are less prone to race-specific health problems.
- Insuring small pets is more expensive because larger breeds require more medication during visits to the vet, and because they may have a shorter life span and their health, they may need more veterinary care as they age.
You can change it by adjusting your monthly premium. deductionBenefit amount and Compensation Percentage. By changing your coverage this way, you can design a policy that meets your needs and fits your budget.
Like most pet insurance companies, you pay your vet bills out of pocket before you file a claim with your pet’s insurer. Then, depending on your policy, your insurer will reimburse you up to 90% of the ASPCA.
Get a free ASPCA pet insurance quote here.
ASPCA pet insurance with the competition
While the ASPCA does not list rates on its website, here is a sample quote to give you a general idea of how a pet insurance company stacks up against its competitors.
ASPCA | Lemon | Spot | |
cost* | $64.46 per month | 39 dollars per month | 92.21 dollars |
Annual deduction options | $100, $200, $500 | $100, $250, $500 | From 100 to 1,000 dollars |
Return percentage | 70%, 80%, 90% | 70%, 80%, 90% | 70%, 80%, 90% |
Annual coverage amounts | $2,500, $4,000, $7,000, $10,000 | From 5,000 to 100,000 dollars | $2,500 to unlimited |
*Quotes are for a 5 year old mixed breed dog, medium weight, in good health in Boulder, Colorado. Coverage options include a $500 deductible, an 80% reimbursement percentage, and a maximum coverage amount for each carrier.
ASPCA monthly premiums are competitively priced, neither the cheapest nor the most expensive policy. Spot premiums are much higher than ASPCA or Lemonade, but offer unlimited coverage. Lemonade offers the best value with its most expensive policy, while still offering a high annual coverage limit of $100,000. Whether you’re deciding between these pet insurers or others, Best pet insurance policy They can come to you offering the best rates, coverage options and annual limit to suit your needs.
ASPCA pet insurance pros and cons
Pet insurance It can help you avoid financial hardship if your furry friend suddenly needs expensive veterinary care. When shopping and comparing pet insurance companies, it’s important to weigh the pros, cons, and cons. Vet-recommended policy options To help you make the best decision for your situation. Here are some pros and cons of ASPCA pet insurance to consider
advantage
- 30 day money back guarantee
- Mobile application to manage your policy and submit claims
- Visit any licensed veterinarian in the US or Canada
- Provides insurance coverage for horses
- Offers a 10% multiple pet discount
Learn more about ASPCA pet insurance now here.
Cons
- No Pre-existing condition Cover
- The ASPCA does not offer an unlimited annual maximum benefit option. The coverage is $10,000
Special benefits of ASPCA pet insurance
The ASPCA offers a 100% money-back guarantee if you cancel your insurance and do not file a claim within 30 days of purchasing your plan. In this case, the company will refund your initial payment.
Most pet insurance companies cover dogs and cats, with a few expanding their portfolio to include exotics. Animal cover Like birds, reptiles and rabbits. The ASPCA offers coverage for horses, which is very rare in the pet insurance market. Horse plans include a colic plan, an accident and illness plan, and another plan that covers amputations and accidents.
Bottom line
If you are shopping for pet insurance and prioritize working with a reputable provider. The ASPCA is worth considering as a recognized name in your pet insurance space. The policies are administered by PTZX Insurance Agency, which maintains an A+ Better Business Bureau rating. The ASPCA offers competitive pricing, and while the annual benefit tops out at $10,000, that may be enough to cover most treatments.
Still, it’s wise to buy a few and compare them. Best pet insurance companies To make sure you’re getting the best rate and coverage options for your situation.