Key Points to Note:
- ASPCA Pet Health Insurance provides coverage for dogs and cats, distinguishing itself as the sole insurer in our evaluation to extend coverage to horses.Customization options are available, allowing policyholders to tailor their coverage by selecting deductibles ranging from $100 to $500 and reimbursement rates from 70% to 90%.
- Two standard plans are offered: one encompassing accidents and illnesses, and the other focusing solely on accidents.
About ASPCA Pet Health Insurance:
Pet owners have the option to customize their premium by adjusting some aspects of the policy. Annual deductible options range from $100 to $500, reimbursement options from 70% to 90% are available, and options for annual benefit limits begin at $2,500 and go as high as unlimited.
Higher deductibles and lower reimbursement percentages and coverage limits can result in lower premiums. However, this would mean you could pay more out of pocket for covered veterinary expenses.
In addition to its main medical plan, ASPCA Pet Health Insurance offers an accident-only plan. Preventive-care insurance — which covers things like vaccines, spaying and neutering, annual checkups, and dental cleanings — is available as an add-on.
Discounts are offered for animal care workers and for insuring multiple pets.
Bottom Line:
For pet owners seeking more targeted coverage, ASPCA provides an accident-only plan. This plan specifically covers incidents like the ingestion of toxins, broken bones, and other injuries resulting from accidents.
Customization options abound, allowing pet owners to tailor their coverage according to their preferences. They can select deductible amounts ranging from $100 to $500 and reimbursement rates from 70% to 90%. Upon purchasing a policy, there's a 14-day waiting period before coverage commences. ASPCA Pet Health Insurance assures that claims are processed in 30 days or less.
The provider offers two tiers of wellness coverage. The Basic Preventative Care package provides a total annual benefit of $250 for $9.95 a month, while the Prime Preventative Care package offers a total annual benefit of $450 for $24.95 a month.
Pet Insurance Cost Comparison:
| Company | Sample Monthly Cost for Dogs* | Sample Monthly Cost for Cats* |
|---|---|---|
| ASPCA Pet Health Insurance | $36.64*** | $16.16*** |
| Pets Best | $26.51 | $11.76 |
| Embrace | $29.71 | $12.22 |
| Spot | $38.73 | $17.18 |
| Lemonade | $31.01 | $16.63 |
*The prices mentioned are indicative and for reference only. It is advisable to directly contact the insurance provider or their agents for accurate quotes. The monthly costs are based on a 1-year-old female large mixed-breed dog and a male domestic medium-hair cat under 1 year old, both in excellent health, residing in Texas. These rates are calculated with a $5,000 annual benefit limit, a $500 annual deductible, and a 90% reimbursement rate.
ASPCA Price Comparison For Dogs:
| BREED | ≤ 1 YEAR OLD | 3 YEAR OLD | 5 YEAR OLD | 8 YEAR OLD | 10 YEAR OLD |
|---|---|---|---|---|---|
| French Bulldog | $59.17 | $59.17 | $76.78 | $131.45 | $179.30 |
| Labrador Retriever | $43.60 | $43.60 | $56.57 | $96.85 | $132.11 |
| Golden Retriever | $43.60 | $43.60 | $56.57 | $96.85 | $132.11 |
| German Shepherd Dog | $36.64 | $36.64 | $47.54 | $81.39 | $111.02 |
These figures are based on a female dog in Texas ZIP code 75011. The specifics include a $4,000 annual benefit limit, a $500 deductible, and a 90% reimbursement rate. The provided rates are for demonstration purposes only, and individuals should directly contact the insurance company or agent for precise quotes.
ASPCA Price Comparison For Cats:
| BREED | ≤ 1 YEAR OLD | 3 YEAR OLD | 5 YEAR OLD | 8 YEAR OLD | 10 YEAR OLD |
|---|---|---|---|---|---|
| Ragdoll | $16.16 | $16.16 | $18.16 | $29.28 | $41.70 |
| Maine Coon Cat | $23.62 | $23.62 | $26.54 | $42.80 | $60.95 |
| Exotic Shorthair | $23.62 | $23.62 | $26.54 | $42.80 | $60.95 |
| Persian | $23.62 | $23.62 | $26.54 | $42.80 | $60.95 |
These rates pertain to male cats in Texas area code 75011. The details include a $4,000 annual benefit limit, a $500 deductible, and a 90% reimbursement rate. The figures provided are for illustrative purposes, and individuals are advised to contact the insurance company or agent directly for accurate pricing.
Sample Monthly Premiums:
| Company | Sample Monthly Cost for Dogs | Sample Monthly Cost for Cats |
|---|---|---|
| ASPCA Pet Health Insurance | $36.64*** | $16.16*** |
| Pets Best | $26.51 | $11.76 |
| Embrace | $29.71 | $12.22 |
| Spot | $38.73 | $17.18 |
| Lemonade | $31.01 | $16.63 |
Comparison with Competitors:
ASPCA Pet Health Insurance vs. Trupanion:
| Company | Rating | Sample Premium for Dogs | Sample Premium for Cats |
|---|---|---|---|
| ASPCA Pet Health Insurance | 3.7 | $36.64*** | $16.16*** |
| Trupanion | 3.7 | $277.45** | $90.00** |
ASPCA Pet Health Insurance vs. Nationwide:
| Company | Rating | Sample Premium for Dogs | Sample Premium for Cats |
|---|---|---|---|
| ASPCA Pet Health Insurance | 3.7 | $36.64*** | $16.16*** |
| Nationwide | 3.7 | $61.62**** | $28.47**** |
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