Pros and Cons of ASPCA Pet Insurance
Compare the advantages and disadvantages of ASPCA:
✔ Has no upper age limit for enrollment
✔ Includes coverage for exam fees, alternative therapies, and microchipping in its base plan
✔ Offers a 30-day money-back guarantee
✘ Has a longer waiting period for accidents (14 days) than many competitors
✘ Has a lower maximum annual limit ($10k) than other providers
ASPCA Plans and Coverage
With ASPCA Pet Health Insurance, pet owners can choose an accident-only or an accident-and-illness plan. Its accident-only plan covers treatment for unexpected injuries, including diagnostics, procedures, surgery, rehabilitation, and prescription medications. The accident-and-illness plan (or the Complete Coverage plan) covers the treatments mentioned above for injuries, illnesses, and conditions, including cancer, chronic conditions, hereditary conditions, behavioral issues, allergies, digestive issues, dental disease, and more.
While ASPCA does not cover preexisting conditions, if your pet remains symptom and treatment-free from a curable condition for 180 days, ASPCA will no longer consider that condition preexisting. There are two options for preventive care—the Basic level (covering up to $250) and the Prime level (covering up to $450). Each option covers routine care services, including deworming, vaccinations, dental cleanings, and more.
Learn More: ASPCA Pet Insurance Review