Let's Dig Into Pet Insurance
Health Care Coverage for Dogs and Cats
Fur children get hurt and sick just like human children do, and with all the advancements in veterinary medicine, treatment can be expensive.
When the unexpected happens, pet insurance can help save you from having to say no to the care your pet needs because of cost.
What It Covers
ASPCA® Pet Health Insurance plans can cover the exam fees and costs of diagnostics and treatment for:
- Behavioral Issues
- Hereditary Conditions
How It Works
Visit any vet, specialist, or emergency clinic you like & pay your bill.
Submit claims your way – online, by mail, or by fax.
Have reimbursements directly deposited into your bank account or mailed.
Understanding Pet Insurance Lingo
So what is a deductible, annual limit, and reimbursement percentage, and how do they work with an ASPCA Pet Health Insurance plan? We explain it all for you below.
This is the amount you must satisfy for covered veterinary expenses before you can start being reimbursed. Our deductible is annual, you only have to meet it once per year, regardless of how many claims you submit.
We allow you to choose a deductible of $100, $250, or $500.
This is the total amount you can be reimbursed over a 12-month policy period. It resets at the beginning of each new policy period.
Our plans come with a range of annual limit options to fit all different medical needs and budgets.
This is the percentage of covered costs paid back to you after your deductible is met. For example, selecting 90% means you’ll be responsible for paying 10% of covered expenses.
Our available reimbursement percentage options are 90%, 80%, and 70%.
Getting the right coverage for your pet at a price that’s right for you is easy with our customizable plan options. Below are some tips on customizing.
Your Annual Deductible
Choosing a higher deductible will lower your premium.
With a low deductible, your coverage will kick in quicker, giving you more money back.
Your Reimbursement Percentage
If you want more money back on your claims, select a higher reimbursement percentage. 90% will give you the maximum return.
If you’re trying to lower your premium, select a lower reimbursement percentage.
Your Annual Coverage Limit
Pick the highest amount you think you might spend on accidents and illnesses in a year.
Raising your coverage limit later will require starting a new plan and make any conditions your pet has had pre-existing.
Looking for more insight on ASPCA Pet Health Insurance?
Check out our reviews on Trustpilot.
ASPCA Pet Health Insurance is excellent
ASPCA Pet Health Insurance was timely about my claim when my dog injured her back. It helped so much to have an easy claim submittal and a quick financial reimbursement turn around when I had such a large unexpected expense.
Get the Facts About Pet Coverage
There are a lot of myths floating around out there about pet insurance. We’ve listed the ones we hear most often and laid out the facts for you.
"The coverage isn’t worth the price."
While we have some exclusions, like all pet insurance providers, our coverage includes the most serious conditions and advanced veterinary services. You might be surprised by how much you can have covered. And, because our plans are customizable, it’s easy to work them into a range of budgets.
"I probably can’t use it for most veterinary clinics."
Unlike providers for human health insurance, we don’t restrict you to a network. With coverage, you can be reimbursed for care provided by any licensed veterinarian, specialist, or emergency clinic in the U.S. or Canada.
"Saving up for vet care is a smarter option."
It’s always smart to save, but having pet insurance, in addition to savings, is even smarter. One condition can lead to a vet bill totaling hundreds to thousands of dollars. Rebuilding your savings could take a long time, where the annual limit for a pet insurance plan resets every year.
"My pet is young and healthy, so it would probably just be a waste of my money."
60% of puppy pet parents and 48% of kitten pet parents with ASPCA Pet Health Insurance filed claims during the first year of their pets’ lives.+ Enrolling your pet before something happens can also help avoid a pre-existing condition, which pet insurance providers normally won’t cover.
"My pet already has a health condition, so they’re likely ineligible for coverage."
Even if your pet has a condition that’s considered pre-existing, they can still be covered for new conditions and accidents that occur.
+Average vet cost treatment statistics based on internal claims data, nationwide 6/1/2015 through 5/31/2017
Coverage as Easy as 1, 2, 3!
With us, managing your coverage is super simple and hassle-free. Simply log into the Member Center through our website or with the My Pet Insurance app to:
- Submit Claims
- Set up direct deposit
- View your policy
- And much more!