When your pet is injured or gets sick and you can't afford its treatment, it is a hard situation. Here ASPCA pet insurance plans could save you. ASPCA pet health insurance occupies the fifth position of best pet insurance companies in 2021.ASPCA takes its name from the American Society for Prevention Of Cruelty to Animals.
ASPCA isn't an insurer and is not engaged in the business of insurance. ASPCA insurance is underwritten by The United States fire insurance company and administered by Crum and Foster unite which is considered one of the oldest U.S pet insurance providers.
What is ASPCA Pet Health Insurance?
ASPCA is a pet health insurance provider that can offer either accident-only coverage or coverage for illness and accident for your pet.
ASPCA pet insurance plans are different from human health insurance as the basic plans in ASPCA don't cover wellness visits and preventative care. ASPCA plans also don't cover pre-existing conditions of your pet at the time you sign up with the insurer, but they will cover conditions that have been cured and symptoms are free for 180 days.
With ASPCA, you don't have to deal with a specific network of veterinarians, but you will generally have to pay your veterinary bill in advance then seek reimbursement. It is different from most human health insurance you might have.
ASPCA pet health insurance plans:
ASPCA pet health insurance for dogs and cats offers two types of plans:
1. Complete coverage plans:
That cover both accident and illness and this service are more expensive than the other type of plans that ASPCA offers.
2. Accident only plans:
That only covers accidents but there are no illness visits allowed for your pet and it is less expensive.
so, you can choose the type you prefer according to your budget.
If you customize the plans, you can pick an annual deductible, annual limits, and coverage percentage.
ASPCA pet health insurance also offers plans for horses which is considered unique among other insurance companies.
The company also offers wellness plans that you can add to your existing ones.
Wellness plans cover things like heartworm, preventative flea and ticks medications, wellness visits, and vaccines.
Take care that preventative care plans are considered a particular type of service and work separately from the payout percentage, annual deductibles, and annual limits of your main coverage plan.
The company does not cover the pre-existing conditions unless they have been cured totally and free from symptoms for at least 180 days, but they cover behavioral health and alternative treatments.
Advantages of ASPCA pet insurance plans compared with other insurance companies:
● ASPCA is less expensive than some other insurance companies.
● ASPCA offers a pet insurance policy for horses.
● Pre-existing conditions could be covered after 180 days symptom-free.
● ASPCA plans let you choose your reimbursement percentage, deductibles, and annual limits.
Disadvantages of ASPCA pet insurance plans:
● The long waiting period may reach 30 days to process a claim.
● ASPCA plans don't cover dental conditions as other pet insurance companies do.
How much do ASPCA pet insurance plans cost?
For example, if you have a large one-year-old female mixed-breed dog living in the Dallas area, we found that ASPCA Pet Health Insurance charges $32.21 per month with a $5,000 annual benefit limit, $500 deductible, and 90% reimbursement rates. For a male domestic shorthair cat under one year of age, the company charges $18.41 for the same coverage.
You can get a 10% discount per pet if you have more than one.
The company offers discounts also for employees of veterinary practices.
You can adjust the annual deductibles, annual limits, and reimbursement percentage, and the corresponding co-pay to know the different options that affect your premium.
Wellness plans are offered with added cost and the company has its system for determining how much they will pay, With limits on particular types of services per year.
You can get a free quote from the company by providing some information about your pet's age, gender, and zip code.
How can I buy ASPCA pet insurance plans and where?
First, you can get a quote from their website by providing information about your pet's age, gender, zip code, and animal type. Then alter the potential premium cost by adjusting the annual limits, deductibles, and payout percentage on claims. You can also choose optional wellness plans if you want.
Decide the type of insurance plan you prefer for your pet whether it is full coverage or accident-only coverage.
How to contact the customer service in ASPCA Pet Health Insurance?
You can call them by phone from 8 a.m. to 8 p.m. eastern standard time on weekdays or send them an email or fax.
If you want to file a claim, you can do that online or throw their application on your smartphone.
It is too difficult to see your pet hurt or in need of some medications, while you can not afford that. Here ASPCA pet insurance plans could give you a hand to lessen your struggle and end your fears.
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