ASPCA Pet Health Insurance:
|Plan||Accidents and illnesses||Deductible (annual)||Max age limit to sign on||Lifetime cover||Price per month (price include ongoing care)|
|Level 1 (20%)||$2500/accidents ONLY, $8000/yr||$100||-||No||Dog: $11.00 Cat: $8.50|
|Level 2 (20%)||$1500/incident, $8000/yr||$100||Illness dogs= 12, cats 14.||No||Dog: $27.22-32.66 Cat: $20.06|
|Level 3 (20%)||$3500/incident, $11000/yr||$100||Illness dogs= 12, cats 14.||No||Dog: $46.30-55.56 Cat: $35.51|
|Level 4 (20%)||$5000/incident, $13000/yr||$100||Illness dogs= 12, cats 14.||No||Dog: $77.36-92.83 Cat: $65.71|
Detailed coverage Chart for ASPCA Pet Insurance
|Level 1||Level 2||Level 3||Level 4|
|Vet fees Accident and Illness||$2500/accidents ONLY, $8000/yr||$1500/incident, $8000/yr||$3500/incident, $11000/yr||$5000/incident, $13000/yr|
|Death (replacement cost of pet)||-||-||-||-|
|Burial or Cremation||Yes||Yes||Yes||Yes|
|Boarding (if owner hospitalized)||-||-||-||-|
|Holiday (trip cancellation)||-||-||-||-|
|Dental (not teeth cleaning)||-||Some||Some||yes|
|Breeding, Fertility, Pregnancy||-||-||-||-|
|Medical devices (ex. Wheelchair for dog)||-||-||-||-|
|Lost/Stolen pet adds||-||-||-||-|
|Third party liability||-||-||-||-|
|Accidental Damage (tenant coverage)||-||-||-||-|
|Grooming and Bathing||-||-||-||-|
|Pet food, Nutritional supplements, vitamins, natural remedies||-||-||-||-|
Some Common Questions and Answers too!
Lifetime insurer (will ASPCA Pet Health Insurance cover on going conditions throughout pets life)?
ASPCA Pet Insurance will cover ongoing conditions ONLY if you purchase the additional Ongoing care plan (for cats it is ~$6, for dogs it is ~$8-10). HOWEVER, the conditions are only covered to the incident maximum that does not renew each year.
If you want to better understand Lifetime Pet Insurance, check out this page!
Discounts. Does ASPCA Pet Health Insurance offer discounts ?
10% multiple pets.
Any vet or specific vets only? After hours vets or in home vets?
You can go to any vet in Canada or the USA with ASPCA Pet Insurance.
Can the vet be paid directly?
If vet agrees with it, ASPCA Pet Insurance will pay the vet directly.
If not, How quickly are claims processed with ASPCA Pet Health Incurance?
2-3 weeks (usually 2 weeks).
Do they cover examination fee (if it relates to the injury or illness)?
Yes- as long as it relates to accident and illness.
Do I stop getting coverage as my dog ages?
Yes, unless you get the ongoing care plan.
Does age affect monthly price (as my dog gets older will the monthly premium go up)?
Increases at age 9 and 11, otherwise the monthly amount does not increase too much with ASPCA Pet Insurance.
Does ASPCA Pet Insurance put the monthly price up every year? By how much?
Yes, but only a little bit. The amount it goes up depends on the State you live in, as the costs of veterinary care will increase differently in different states.
Monthly Price depends on: where u live, age and breed of pet.
Does ASPCA Pet Health Insurance serve all of USA? Is the monthly amount more depending on where I live?
Plans start on either the 1 or 15 of each month. So, If you start and pay from 1-14 of a month, then your coverage starts on the 1530 Day waiting period for Illness.
Do rates increase with more claims/penalized for filing more claims?
Maximum lifetime claim amount?
No. Only annual amounts.
What is the co-pay?
20% of what is customary to area.
You must pay an additional $10.50 if you do not pay annually. It is not applicable in all states.
Money back guarantee?
30 day money back guarantee. You can cancel within the first 30 days and if no claims are made, get your money back.
Can cancel your plan at anytime.
What they don’t cover - claims that are directly or indirectly related to:
• Pets under 8 weeks old.
• Pre-existing conditions – if an incident is diagnosed, treated, cured more than 180 days, then this might be covered.
• No coverage for activities that result from: racing, commercial guarding, fighting.
• Treatment not recommended by a vet.
Make sure to read the fine print before purchasing, there are many more exclusions that are not written here.
Please also leave a reviewfor future pets and owners so you can help other pet owners.Thank you.
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