6 Myths About Pet Insurance
“A pet health savings account is enough.”
Unfortunately, pet medical emergencies never happen when you expect them, and you may not have enough time to save. For example, our most popular plan starts at about $27* a month for dogs. With that, you would be covered up to $3,000 per injury or illness. If you saved $27 a month instead, it would take you more than 9 years to save $3,000! And one illness could wipe it all out. Pet insurance, on the other hand, is ready to help you again.
“Pet insurance is too expensive.”
Pet insurance can be very affordable, and there are many options today to customize your premium. In fact, here are 5 easy ways to save on ASPCA Pet Health Insurance. Our plans start at less than $1 a day*, and your premium will depend on a few factors like the level of coverage you choose, your geographic area and the breed and age of your pet. Start a free quote now to see your rates.
“I can't go to the veterinarian of my choice.”
With ASPCA Pet Health Insurance, you can visit any licensed veterinarian of your choice in the US or Canada, including emergency hospitals and specialists. There are no networks, and you don’t need any pre-approvals. Your veterinarian doesn’t have to “accept” pet insurance in some way for your pet’s treatments there to be covered.
“There are too many exclusions.”
All pet insurance plans have some exclusions because no plan could cover everything and still be affordable. For example, all pet insurance plans exclude pre-existing conditions, which are those conditions that exist before coverage begins. However, we've thought carefully about our exclusions to provide the right amount of coverage for the right price. Review the "what’s not covered" section in our sample plans for more details.
“I can't get coverage because my pet has a pre-existing condition.”
It's true that pet insurance plans don't cover pre-existing conditions, though you typically can still enroll your pet for coverage. After all, while the pre-existing condition may not be covered, you can still be prepared if something else happens. Some pre-existing conditions, like cancer, diabetes and Cushing's disease, may limit your pet's eligibility for plans with illness coverage. All pets over 8 weeks old are eligible for accident coverage, regardless of age or health. Start a free quote now to see your options.
“I can't get insurance because my pet is too old.”
It's certainly a good idea to get pet insurance when your pet is young and healthy. But we think it's also very important to make coverage available for older pets. After all, that's when some pets need it the most! Dogs age 12 and under and cats age 14 and under at initial enrollment are eligible for our plans with illness coverage. All pets over 8 weeks old are eligible for Level 1 accident coverage. And remember: Once your pet is enrolled, we'll never cancel or reduce his coverage because of age or health. Start a free quote now to see your options.