ASPCA Insurance Review
About ASPCA Pet Health Insurance
ASPCA Pet Health Insurance has a trusted name as one of its biggest benefits, but limited coverage and benefits as its greatest drawbacks. The company offers flexible options with four different plans, a number of optional endorsements and the ability to choose your deductible and reimbursement levels. Deductibles range from $100 to $500 and reimbursement levels from 70 to 90 percent of the covered costs.
Level 1 plans only cover injuries, while the highest level 3 and 4 plans include coverage for illnesses, hereditary and congenital conditions. Optional endorsements that increase the level of coverage are available for specific plans, as are wellness and advanced wellness options. Policy holders may visit the licensed veterinarian of their choice, with reimbursements based on a benefits schedule. You may file claims by email, fax or mail.
Also keep in mind that the well-known American Society for the Prevention of Cruelty to Animals (ASPCA) is not the organization offering the pet health insurance. ASPCA merely lent out its name by partnering with the Hartville Pet Insurance Group in 2006 to offer pet health insurance throughout the US.
While the ASPCA has nothing to do with the type or level of insurance offered, it does receive up to a 10 percent royalty fee for each policy sold using its name, with a guaranteed minimum payout of $335,000 per year.
What Does ASPCA Pet Health Insurance Offer English Bulldogs?
Level 1 and level 2 plans may be a feasible choice for many dog breeds, but English bulldogs aren’t one of them. Level 3 and level 4 plans each include an endorsement that covers congenital and hereditary conditions, alternative therapies and behavioral therapies.
While English bulldogs my not necessarily suffer from behavioral issues, other coverage offered by the level 3 and 4 plans may be in order. English bulldogs are prone to a host of hereditary and congenital conditions that range from acne and fold dermatitis to cardiovascular and respiratory issues.
None of the hereditary or congenital conditions are covered in the level 1 or level 2 plans. Level 3 and level 4 plans cover these conditions, although their limits are rather low. Level 3 congenital and hereditary limits are $500 per condition and an overall lifetime limit of $1,250. Level 4 plans increase the limits to $1,000 and $2,500, respectively.
Alternative therapies are often recommended for various English bulldog treatments, with a range of options that include acupuncture, chiropractic care, hydrotherapy and low level laser therapy. These options are again only available at level 3 or level 4 plans, but the limits are again rather low. The maximum coverage per policy period for alternative therapies is $150 at level 3 and $300 at level 4.
A major caveat that shows up in consumer complaints is how the company treats policy periods, looking at each new policy period as an altogether new policy rather than a continuation of the existing policy (unless you purchase “bridge” coverage). This has led to confusion as well as hassles with reimbursements.
ASPCA Pet Health Insurance Coverage Summary
ASPCA has four different plan levels, with the lowest level covering injuries only. Higher plan levels, optional endorsements and increased premiums are the only way to obtain higher coverage limits for conditions common to English Bulldogs.
Policy holders can customize their deductibles with three options: $100, $250 or $500. Deductibles apply annually, or per policy period.
ASPCA Insurance reimburses policy holders based on a benefit schedule, not the actual vet bill.
Policy holders are also restricted by limits that may apply per incident, per condition, annually or over the policy’s lifetime.
ASPCA Insurance received an 8.2/10 lifetime rating by pet insurance reviews, although a notable number of negative reviews also appear on the site. Double talk has been mentioned in more than one of the unfavorable reviews, with several complaints about being told erroneous information on the phone and claims being denied or otherwise reduced to ridiculously low amounts.
ASPCA Pet Health Insurance Q & A
QHow do I ensure hereditary and congenital conditions are covered for my English bulldog?
A Only the level 3 and level 4 plans cover hereditary and congenital conditions, and you have to make sure your policy includes the Congenital and Hereditary Care Amendatory Endorsement. Incident limits and lifetime limits apply on health conditions, and the limits are not reset with each policy period.
QDo the plans cover routine vet visits and routine procedures for my English bulldog?
ANo, but you can add an endorsement that does. English bulldog owners can add a wellness or advanced wellness endorsement to any of the four available plans. These endorsements cover many routine procedures, such as certain vaccinations, annual vet checkups and even spaying or neutering.
QWill ASPCA Pet Health Insurance provide coverage for my English bulldog for his entire lifetime?
AThe pet insurance policies are only available for dogs under the age of 13, which would most likely cover English bulldogs for their entire lifetime, which averages 8 years.
QAre alternative therapies for English bulldogs covered under ASPCA Pet Health Insurance?
AAlternative therapies are covered only if you choose a level 3 or level 4 plan and the therapy is being administered to treat a condition that is covered in your policy. Alternative therapy options must be performed by a vet, and the choices include acupuncture, chiropractic care, physiotherapy, rehabilitative therapy, hydrotherapy and low level laser therapy.