Why Should You Find an Accurate Review Of ASPCA Pet Insurance?

When you first begin considering purchasing pet insurance for your dog or cat, you are likely hoping to get a plan from a reliable, affordable, and reputable insurance provider. Instead of taking a chance at any one, you should look into the top leading names in the industry, such as the ASPCA. The American Society for the Prevention of Cruelty to Animals is recognized as one of the best options in pet insurance because of their good cause and reputable work. The problem with many pet owners is that they will rush into a decision of who to purchase insurance from without any research beforehand. However, by taking the time to read a review of ASPCA pet insurance, you may find that they are not the right provider for you or your pet.

Utilizing the Internet to Find Reviews

If you are concerned with getting an insurance provider that meets your expectations and then some, you should definitely take the time to look up reviews on the business. Some people feel they do not need to take this measure as it can be time consuming and require more work on their part. There are many ways that you can shorten the time of searching and still ensure the insurance provider you choose is going to be a good option. With the ASPCA being a leading name in pet insurance and all subjects regarding animals, it is expected that you will find numerous reviews taking on all sides of points of the matter. By searching on the internet, reading forums, and so on, you are sure to find reliable reviews that can help you determine whether or not the ASPCA is a good investment.

Preventing Any Unexpected Problems and Ensuring Quality

There is a lot to consider when you are about to invest in a pet insurance plan. Regardless of the care and money you put into caring for your dog or cat, it is completely unavoidable that injuries or illnesses will occur sometime in their life. The cost of treatment, medication, and of course the occasional checkup, will substantially add up and could end up being very expensive for the average person to take care of. The ASPCA offers pet insurance from their website, http://www.aspcapetinsurance.com/, and by telephone. The ease of obtaining insurance from this provider is what makes it so appealing to many, but in reality, it could end up being a bad choice for you. When you are concerned with getting the very best coverage, you definitely need to check out reviews and ensure the provider meets your expectations.

With so many different insurance providers out there today in the pet industry, it just makes sense to do the research and check out all of the available options. While it may seem best to rush into a decision based on the price and coverage available, it is crucial that you research your options. The ASPCA definitely sounds like an appealing option because of its widespread name and popularity with most of America. However, when you take the time to look into the reviews from clients about their pet insurance, you may come to find there are many flaws that bring them down from being a viable option. As long as you are patient with your choice and ensure that you have read a significant amount of reviews, both good and bad, you are likely to come to a conclusion of whether or not the ASPCA is a good choice for pet insurance.

ASPCA Pet Insurance Reviews

While pet insurance may not be something that you consider an important thing to carry, anyone who has ever had a serious bought of illness or an accident with their pet will tell you that having pet insurance would have greatly relieved the burden of treatment.

ASPCA pet insurance reviews give varying opinions, and much like any other insurance plan, there are pros and cons.

In this article, I shall endeavor to give you an idea of what people say about ASPCA and learn more about its coverage:

Click on the links above to go directly to that section of the article.

Pet Insurance for Animals

ASPCA, also known as the American Society for the Prevention of Cruelty to Animals and is one of the larger providers of pet insurance.

While this company provides insurance, they are also advocates against animal cruelty among other things.

They are active in fighting against cruelty on many levels and even conduct investigations when abuse is suspected and strong advocates in the fight against dog fighting as an illegal blood sport.

They have volunteer programs and involved with pet adoptions and educate pet owners about animal welfare and have deservedly earned themselves a very healthy credible reputation as a worthwhile organization which is known by just about everyone.

They moved into selling insurance and their good name as a charitable foundation puts them in a position of trust with many who are familiar with the good name the organization has earned itself over the years with its animal advocacy.

That’s a little background about the ASPCA, so we move on to the real topic here of assessing their insurance policies by using reviews to see how others have found them to be as an insurance provider.

When shopping for an insurance plan, this site offers four levels of plans with varying degrees of protection. It is your choice to select the level that is suitable for your pet’s needs and, of course, your budget. It does not necessarily mean that the cheapest cover is the worst pet health care insurance; it’s simply about finding the one that fits with your need and your budget.

All of the plans are set up to reimburse 90% of the customary charges after a simple $100 deductible. They also offer a 10% discount if you enroll multiple pets. Another plus is ASPCA gives you a 30-day money-back guarantee if you do not make any claims within the period.

Understanding what is covered and not covered will make it much easier to select an appropriate plan to avoid frustration later.

Pet Insurance Sample Plans

ASPCA has a 4-level protection plan that you can choose from. Here below, I shall give you the details of a Level 1 package.

Level 1 is a cheap pet insurance package which ASPCA offers that is an Accident only cover, and has a per incident limit of $2,500. The insured will be covered for Accident expenses, including but not limited to:

  • Operating room, sedation and pre-anesthetic blood work, anesthesia, and anesthetic monitoring fees;
  • For humane reasons, expenses to end life such as euthanasia;
  • Extractions of broken teeth;
  • Nursing care and hospitalization;
  • Examinations such as consultations with specialists, first examinations, emergency visits, and for 2nd opinion;
  • Laboratory tests
  • Intravenous (IV) fluids and medications;
  • Medical supplies such as but not limited to casts, bandages, and splints;
  • Poison control consultation fees;
  • Medications prescribed by a Veterinarian and that have been approved by the Food and Drug Administration (FDA);
  • Surgical Treatment; and,
  • Radiology tests including X-rays, ultrasound, CAT scan, and magnetic resonance imaging (MRI)

What is NOT covered?

  • Pre-Existing conditions, which includes any disease, illness, injury or change to your pet’s health which first shows indications of or arises: before coverage is effective;during a Waiting Period; or before the current Policy Period. This likewise includes conditions that are secondary, related to, or resulting from a Pre-Existing Condition.
  • Diagnosis, treatment or surgery related to knee and ligament conditions that arise or show signs of within the first 12 months from the effectivity date of your pet’s coverage on a 12-month policy. Knee and ligament conditions include anterior cruciate ligament (acl), medial patella luxation (mpl) lateral collateral ligament (lcl), cranial cruciate ligament (ccl), medial collateral ligament (mcl), or meniscal damage.
  • Any sickness, any wellness care, or any Congenital, Hereditary, or Genetic Conditions including those that are secondary, related to, or arising from any Congenital, Hereditary, or Genetic Condition.

All other general exclusions may be read on ASPCA’s website.

Levels 2, 3 and 4 are the more comprehensive plans that ASPCA offers, and each one has different levels of protection from the other. Click here for detailed information.

Expensive Bills without Pet Insurance

Much like going to the dentist or doctor without insurance, many people choose to wait until the problem has become exacerbated because the cost for treatment is so inflated. How many times have you thought to yourself that your pet needed a checkup or vaccinations, or even treatment for something more serious? Wouldn’t it have been better to have the option for at least minimum coverage?

While premium plans may be overpriced and unnecessary, it may be prudent to get a minimal accidental plan. These usually fall in the price range of less than 20 dollars a month, and should your pet get into some kind of accident, it is good to have that peace of mind.

I wasn’t always a proponent of pet insurance until my little Cocker Spaniel, Sadie, had crawled under my deck one night. I couldn’t find her anywhere. Finally, I heard her crying. She was obviously very sick, and I just could not afford to take her to the vet. I felt so bad with the pain of my decision. She had been bitten by a spider, and I could not treat her.

Fortunately, she recovered. But it was a tenuous several days. I vowed that I would never have a pet again that I couldn’t get medical treatment for. The cost of treatment and medications would have been several hundred dollars, whereas I could have had preventive maintenance for a few dollars each month.

Some of the stories of pets that have benefited from the insurance will make you a believer. ASPCA pet insurance reviews give reports of assistance with animals from shelters with a sketchy medical past, pets struck with a debilitating illness, and assistance for accidents.

Of course, there’s always the other side of the story.


Some pet owners complain that the company denies claims because the vets charge too much for care. With the 80% company payment, they have denied payment. Much like insurance for people, the carrier determines the “allowable” amount to be paid for treatment.

The only problem with this plan is that veterinarians don’t write off the difference. If your vet, for example, charges $300 for a procedure, and the company deems it allows $180, you will only be reimbursed 80% of the allowable amount, which is $144. You are still out the $166.

For some, this is more like a discount program. You get reimbursed, but you have to be careful how much you are depending on. There is no book that gives a statement of allowable expenses.

While most reviews are positive, some users complain that getting a payment from the company is a hassle. For those who don’t keep good records, you may want to in case you ever have a claim.

The biggest recurring complaint in ASPCA pet insurance reviews is the issue of pre-existing conditions. Evidently, if your pet is being treated for a condition at the end of the policy and then the treatment carries over to the renewal period, the new period considers it a pre-existing condition. Several people have had complaints about treatments not being paid once the policy renewed.

One animal was treated the day before the policy renewed, and when follow up treatment was necessary because it was an unclear illness, no more payments were made. The company considers each renewal a completely NEW policy.

Therefore, if your claim is for a treatment on an overlapping policy period you are out of luck.

Going for ASPCA Pet Insurance

Whether or not you decide to insure your pet is a decision you must make based on several factors. How much treatment are you willing to put your pet through, how often will you use it, and what kind of risk factors do you deal with? Use these parameters to determine how much insurance you need, or if you would do better to self insure.

Even after my experience with my cocker spaniel, I’m not one hundred percent sold on owning pet insurance. I do believe that it can be an extremely useful thing to own, but be careful to read the fine print. I think my final decision would be to know I could afford the vet bills with a strong emergency fund. I would possibly own pet insurance and consider it a discount program.

In order to get the most value out of the insurance, make sure your vet is offering services at a reasonable rate. Prices can vary greatly. The range for spay/neuter and shots varies in my area from about $100 up to $300. That price difference makes it worth a little bit of a drive!

When owning a pet, there are always unexpected expenses. Just make sure you read the fine print before you agree to a policy. If considering ASPCA, there are an abundance of ASPCA pet insurance reviews available to reflect on.

At the end of the day, being a responsible pet owner, the most important thing that you can do for your pet is give it the best possible care as humanly possible by getting a good insurance coverage and uphold its rights to enjoy its remaining life as a well-treated animal.

Hate ASPCA Pet Health Insurance – You’re Not Alone

When I first wrote the review of the ASPCA Pet Insurance a little over a year ago I might have been a little to optimistic about the company and what they offer. I’m not saying that they are a bad company and I’m sure that they have helped out a lot of pet owners in trouble but as with any insurance company it is not all customers that are left with a smile on their face.

ASPCA Insurance Hate

To be honest I hadn’t imagined that the article would get that many comments from people that literally hate ASPCA and the pet insurance that they offer. People are feeling cheated by the company and if they’re willing to go as far as to go online and let everybody know how they feel then someone has definitely stepped on their toes.

I can remember who created the original analysis but it is said that if you find one person complaining in public then you’ll have a least 10 people that have been treated the same way but they just don’t take it public.

So where does that leave ASPCA? Well by judging from the comments I think they’re in a very poor situation.

Must Pet Insurance Companies Cheat to Survive

My definite answer is “no”. Often it is not a matter of pet insurance companies wanting to cheat their customers but merely a lack in clear communication. The pet owners think that their insurance will cover incidents that isn’t in the policy and that will leave the customer feeling frustrated when that specific incident happens to their pet.

So whose fault is it really? Well when it comes down to it, it is the pet owner’s responsibility to read and understand the policy that they sign. It is no different than when you apply for a mortgage or similar legal obligations you commit to.

But what can the insurance company do? What would be the solution to ASPCA’s problem?

I think that they would be able to get very far by trying to educate their customers before they become customers. Tell them in plain English what is covered and what is not covered. Explain to them what the policy says so that they won’t be surprised when the pet insurance doesn’t cover the accident that happens to their pet.

Sure you might argue that they’ll loose some initial customers but I am sure that they’ll slowly (but securely) build a reputation of being a “no bullshit” pet insurance company that you can trust. As a pet owner the most important thing is not to have your pet covered for every imaginable incident (that would be too costly) but to have a clear understanding of what and when something is covered and also what is not covered.

So my advice to ASPCA is to listing to their customers complains and try to handle them by communicating as clearly as they possibly can.

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ASPCA Pet Insurance | No Animal Cruelty

The American Society for the Prevention of Cruelty to Animals is a great company that does so much good. What many people do not know is that ASPCA also offers pet insurance products (ASPCA Pet Insurance) that you can take advantage of. Before I go into more details about their insurance offerings I would like to say that one of the reasons I would consider this insurance company is simple because of the brand and the cause that this company is fighting for. Cruelty to animals should not exist and therefore I find their cause very noble.

ASPCA Pet Insurance

Now as far as their pet insurance they have created a website especially for this and it can be found at www.aspcapetinsurance.com. The first thing that you will find when you enter their site is that they provide you with two instant options. First option is to get a free pet insurance quote in an easy and quick way. All you’ll have to do is provide them with 4 simple answers.

Well, it is not exactly 4 answers but merely 4 categories of questions that you will need to answer. But they are still provided in a way that is easy to understand.

Pet Insurance Application

If you feel that this is too difficult you still have the option to call their support staff at 1-866-861-9092. They’ll ask you the same questions and fill out an application for you.

When you have more than one pet you need insurance coverage for they give you an additional 10% discount. Many insurance companies will give you discounts if you add more than one pet but that ASPCA Pet Insurance does it as well is still a plus.

The Insurance Coverage Plan for You

Now the second option that you are confronted with on the front page is a guide to find the right insurance coverage plan for you. They offer increasing levels of coverage and the prices will naturally increase as well. By taking this guide you will be able to find out what coverage you can get for the amount that you are willing to spend on your pet insurance. This varies from person to person and some pets are far more expensive to insure than others.

As I said earlier there are many other companies that offer this kind of service and one of the best features that ASPCA has is their main company’s mission to avoid cruelty to animals. An ASPCA Pet Insurance might not be the right solution for you but I think that you should at least give them a few minutes to see what they have to offer.

When we wrote this brief ASPCA pet insurance review we were not aware of all the time where ASPCA had treated customers poorly. After the overwhelming amount of comments (see below), it seems like there are a lot of people that have been far from satisfied with their service. Many have really great points and cases and we hope that everyone reading this article will spend some time reading trough all the comments. Now we will still say that no matter if you have an ASPCA pet health insurance or any other insurance with other companies there will always be customers that are not satisfied.

Very often the problem has two sides. One is that the company is obviously created as a business and businesses need to make a profit to exist. If they don’t they will have to close down. What this means is that the customer will pay more in fees (on average) than he/she will receive from the company. That part is pure logic.

The other side of the problem is that most people don’t know how to and/or will not spend the time to read through insurance policies. They’ll just sign the agreement and hope that they’ll never have troubles. That isn’t the smart way to do it but it is definitely the most common way. ASPCA pets are insured according to some legal stuff like with any other insurance company. Our best advice is that you should start by reading the agreement before you sign and to highlight anything that you do not understand. Then call the customer service department (and record the conversation) and ask about everything that you do not understand. They will answer your questions for free because you’re a potential customer.

When you search online you will find some ASPCA pet insurance reviews that are biased. This is most likely either because they make money from selling the insurance or because the sites may be owned by the company itself.

But when all this is said we still believe that there are some positive things to say about the company. We are especially positive about the ASPCA pet adoption possibility. We believe that every animal should have the right to a loving and caring owner and a service/solution like this is right up my alley.

If you have positive or negative experiences with ASPCA please write a comment about it below.