ASPCA Pet Health Insurance
Did you know about ASPCA Pet Health Insurance? That's right, the ASPCA offers insurance for dogs and cats. They offer 5 different plans that can cover anything from basic accidents to illness and even long-term care. The basic primary plan which covers illness and accidents starts at $12.50 a month for cats and $17.50 a month for dogs. A primary plan covers even X-rays, hospitalization, and even dental services due to injuries or illness. There is a deductible on these plans but it's only $100 for the primary plan. For those that live on a paycheck-to-paycheck budget I would recommend one of these plans.
Labels: ASPCA pet health
posted by Brandon at
6:42 PM
Asking a Quick Pet Health Question
1 Comments:
I WANT TO LET EVERYONE KNOW ABOUT A SERIOUS AND UNCONSCIONABLE FLAW IN THE ASPCA PET HEALTH INSURANCE PLANS.
With ASPCA, you renew your plan on a yearly basis. This yearly renewal is inconvenient but not, in itself, a problem.
Here's the very serious problem.
ANY CONDITION THAT EXISTED DURING THE PRIOR PLAN PERIOD IS CONSIDERED A PRE-EXISTING CONDITION!
What are the implications?
Consider the following situation:
* Your dog is diagnosed with a serious cancer on a Monday and you schedule your dog for costly, major surgery on Thursday.
* You submit the ASPCA insurance claim on Tuesday.
* Your ASPCA plan is set for renewal on Wednesday.
* Your dog undergoes surgery on Thursday.
* You submit the ASPCA insurance claim for the surgery on Friday.
Guess what? YOUR CLAIM WILL BE DENIED!
Please let this sink in.
ANY CONDITION, NO MATTER HOW SERIOUS, THAT EXISTED EVEN 1 DAY PRIOR TO RENEWAL WILL NOT BE COVERED. This also implies that any condition that lasts, in any form, more than a year, will not be covered for the condition’s duration.
I talked to a customer service supervisor about this (their customer service is generally very good, BTW) and they acknowledged that it’s a real problem, citing examples of major, heartbreaking claims that were not covered because they spanned the renewal date.
What ASPCA will tell you is that they have a plan, the Sterling Plan, that covers “long-term” conditions (now remember, according to the example above, LONG TERM COULD ACTUALLY BE 4 DAYS). What they won’t emphasize is the following:
* The Sterling Plan is by far their most expensive plan. It is almost 50% more than their next most expensive plan, the Premier Plan, which is what I have.
* The Sterling Plan has a maximum PER INCIDENT (NOT per visit) benefit of $2500, which is HALF of the maximum incident benefit for the Premier Plan. This means that any condition, NO MATTER HOW SERIOUS, will not be covered past $2500. So, if you thought you could sign up for the Sterling Plan to deal with a catastrophic care situation—think again: $2,500 doesn’t go very far when it comes to things like cancer.
Now I understand the basic principles of insurance and actuarial science. With any insurance plan, there will be net winners and net losers. But what I’m telling you is that I do not believe that the majority of ASPCA Pet Health Insurance subscribers will save money over the life of their pet.
That’s the bottom line.
For more information or to contact ASPCA Pet Health Insurance and tell them what you think, see http://www.aspcapetinsurance.com/pet-insurance-default.aspx.
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