ASPCA Pet Insurance is a funny company. Based on the features of the policies they offer alone, we cannot recommend them to pet owners. There’s something else you should know about the ASPCA Pet Insurance company.
While they are called ASPCA, they are not actually affiliated with the Association For The Prevention Of Cruelty To Animals (ASPCA). Instead, they are paying the true ASPCA a licensing fee to pay to use their name, in an effort to gain customers’ trust, and increase their own profits.
Another problem that’s blatantly obvious when you start researching the company is the fact that they have a problem paying out reimbursements, even though some of their highest premium plans are full of promises stating that you are covered under a wide range of situations.
Pets with pre-existing conditions, and pets that are older in age are going to be denied coverage under their lowest cost plans. The ASPCA Pet Insurance company is also known for adjusting the rates that they pay back to what they consider “reasonable” which does not usually cover the entire costs of your claims.
- Covers Injuries and Accidents: A
well roundedpolicy is going to cover both injuries, as well as accidents. ASPCA Pet Health Insurance does provide coverage for both circumstances.
- Coverage For Illnesses Available: Illnesses are also covered under the “most popular” plans available through ASPCA HI. Everything from ear infections and stomach
issues,to arthritis and cancer coverageis available. Make sure to pay attention to the fine print to ensure the policy you’re considering actually has the coverage in it, though.
- Advanced Care Plans Available: Certain conditions, such as hereditary and congenital diseases are covered under the
ASPCAHI’s top plans, along with alternative or homeopathic therapies, and behavioral issues.
- Wellness Care Addon Available: All plans can have Wellness coverage added on for an increase of $10 per month in premiums.
To Wrap It All Up...
All in all, we cannot recommend the ASPCA Health Insurance company to pet owners.
There is a lot of shadiness that goes on in their fine print, with the additional fees, denying of claims, and saying that they cover certain conditions, only to find out that you aren’t actually completely covered in the event you need to use the insurance.
Purchasing a policy through them does help to benefit the actual Association For The Prevention Of Cruelty To Animals (ASPCA), but you may be better off donating directly to the organization, rather than purchasing a pet insurance policy through a company who only has access to use their name, but aren’t actually held accountable for the practices they use.
The features that the ASPCA HI banks on are available through our highest rated insurance providers, and are generally considered to be the basics of most pet insurance policies.
That means you can get a policy through another company that provides the same coverage, without hiding fees, banking on another association’s name, and not denying claims that they initially led you to believe would be covered.