ASPCA Pet Insurance Review
ConsumersAdvocate.org Rating: 5.7 / 10 (Average)
ASPCA Pet Insurance
ASPCA is a non profit organization in the US with the mission to prevent cruelty to animals. In 2006 the ASPCA partnered with Hartville Pet Insurance Group in order to offer ASPCA Pet Health Insurance. ASPCA's plan covers 70%, 80%, and 90% of the veterinarian's bill depending on the customer's choosing. The company currently offers the ability to customize its plan limits based on annual spend up to unlimited coverage.
The ASPCA plan affords provisions for accident, illness, advanced, and preventative care. The company's policies are underwritten by US Fire Insurance Co. which maintains a A rating by AM Best.
What's Included with ASPCA:
- Percentage of invoice reimbursement pre-set by consumer (90, 80 or 70 percent)
- Low annual deductible of $100
- Visit the vet of your choice
The Fine Print:
- Limits are based on annual spend and can be customized up to unlimited
- Reimbursement based on percentage of invoice
The Bottom Line:
Coverage of alternative therapies and behavioral issues is a big plus with the ASPCA/Hartville plan. Seeing that pet owners, particularly dog owners, frequently have to spend a lot of money correcting ongoing problems, this is a very useful feature. The recent changes in the ASPCA's plans, i.e. changing per condition limits to customer chosen percentages of actual vet bill, and allowing the customer to choose their own annual spend up to unlimited, have improved the ASPCA's pet insurance offerings.