ASPCA Pet Insurance Review

ASPCA Pet Insurance offers four levels of coverage. It is important for pet owners to consider the differences between these policies before deciding which ones to buy.

Level One

Level One insurance is consider a basic accident policy. It is a good option for households that want some form of pet insurance but do not want to spend much money on their policies. Some of the services covered by this policy include:

• X-rays and other imaging scans
• Diagnostic procedures
• Hospital stays
• Vet exams
• Lab tests

Level One insurance does not cover illnesses. It is intended to help people pay for veterinary services needed for their pets to recover from accidents. It is not recommended for people who want wellness coverage.

Level Two

A Level Two policy from ASPCA Pet Insurance offers the same coverage as Level One. The biggest difference between these policies is that Level Two also pays for veterinary services used to treat illnesses as well as accidental injuries.

Level Three

Level Three is an excellent policy option that covers some hereditary and congenital diseases, alternative therapies, and even behavioral treatments. There are, however, some limitations on these veterinary services. For instance, you can get reimbursed for up to $150 per year for alternative therapies like acupuncture, hydrotherapy, and physical therapy. There is also a $1,250 lifetime limit for veterinary services intended to treat hereditary and congenital diseases.

This policy pays up to $150 for behavioral treatments. This does not include obedience classes. You should make sure you get behavioral treatments from certified animal behavioral therapists to qualify for reimbursement.

Level Four

Level Four gives you the same coverage as Level Three. It does, however, offer a higher spending limit.

ASPCA insurance does not set annual limits of payouts. Ideally, you could get unlimited payments for your pet's veterinary services. That's a strong point for people with pets that develop serious health conditions.

While there is not an annual payout limit, there is a maximum benefit per incident. The maximum payout depends on the policy you choose. The maximum payouts per incident are listed below:

• ASPCA Policy Level One: $2,500
• ASPCA Policy Level Two: $3,000
• ASPCA Policy Level Three: $5,000
• ASPCA Policy Level Four: $7,000

If you are concerned about paying too much for individual veterinary treatments, then it makes sense to choose a policy that offers a higher payout per incident. Keep in mind, however, that policies with higher payouts also have higher prices. If you do not mind paying a little more for your policy, then you should consider purchasing Level Four coverage.

Deductibles differ according to the type of policy that you purchase. Common deductibles include:

• $100
• $250
• $500

Like most health insurance companies (for humans and animals), ASPCA Pet Insurance has some waiting periods that animals must meet before they are covered. Policies must be at least 30 days old before you can take advantage of illness coverage. The ASPCA, however, does not have a waiting period for accidents. If your pet gets injured, you can use your policy to help cover vet costs even if you just purchased insurance.

The 30-day waiting period of illness coverage makes it important for caregivers to purchase insurance as soon as possible. Getting ASPCA Pet Insurance now will help ensure that more illnesses are covered when your pet gets sick.

You can purchase policies that cover hereditary and congenital coverage, but these policies typically cost more than those that exclude those levels of coverage.

Your reimbursement will cover 70%, 80%, or 90% of the covered costs. Make sure you choose a policy that offers the level of reimbursement that you expect. Higher levels of reimbursement may have higher monthly costs, but they can help you save a lot of money when your pet gets sick. This is especially true when animals develop long-term illnesses that require ongoing treatment.