Best Reviews TopConsumerReviews.com Best Pet Insurance Best Reviews
Best Reviews
      June 25, 2019

Home  >  Pet Insurance  >  ASPCA vs Pet Assure

Best

Pet Insurance

  1. Embrace
  2. Healthy Paws
  3. Figo
  4. PetPremium
  5. ASPCA
  6. Trupanion
  7. Petplan
  8. Pet Assure
  9. Nationwide
  10. Pet First
  11. 24 Pet Watch

Compare Products

  • Select any 2 companies in our reviews to compare them head-to-head!
  • Compare

Your Information Is Secure
The Perfect Handbook for Imperfect Dog Owners Newsletter

Latest Reviews

Cruise Vacations

Dental insurance

Government Grants

Learn to Read Programs

Menopause Relief

Online Fitness

Paid Surveys

Personal Trainers

Pet Meds

Wedding Planning Guides

 

Individual Reviews

Pets Best

Embrace

Healthy Paws

Figo

Pet Premium

ASPCA

Trupanion Pet Insurance

Petplan

Pet Assure

Nationwide

Pet First

24 Pet Watch

 

Related Articles

Can Pet Wellness Plans Replace Pet Insurance?

Should You Adopt a Pet with Special Needs?

Summer Safety Tips for Dogs

The Complete Guide to Adopting Your First Dog

Unusual Pets and How to Care For Them

What You Should Expect From Pet Insurance

What You Should Know Before Buying Pet Insurance

Why Has Pet Insurance Become So Popular?

Why Pet Insurance Is Easier Than You Think

Why Veterinarians Appreciate Pet Insurance

 

Our professional reviewers evaluate products and services independently, but Top Consumer Reviews may earn money when you click on the links on our pages. Learn more.

Better Business Bureau Reliability Seal

ASPCA vs Pet Assure

Best Pet Insurance

To help you find the Best Pet Insurance, TopConsumerReviews.com provides you with an in-depth comparison of ASPCA and Pet Assure.

To see ALL of our reviews for the Best Pet Insurance, please Click Here

Who has the Best Pet Insurance? Medical care is rarely cheap - and the same goes for our four-legged friends. While pet owners are grateful for advances in technology and medicine that make it possible to keep their "fur kids" healthy, these procedures and prescriptions often come with a hefty price tag.

Without pet insurance, a simple blood test can cost well over $200. Even a standard yearly checkup can set you back by hundreds of dollars. How's your wallet feeling now? Chances are, you would do almost anything to take care of your beloved pet - but you might find yourself having to make difficult choices, especially if your dog or cat experiences a traumatic injury or life-threatening illness.

Continue reading below reviews

Best Reviews

2019

Pet Insurance Reviews

3.5 stars
ASPCA

ASPCA Visit Site

Cost:

Starting at $11.05 for cats and dogs

Unlimited annual coverage plans available

$2 per-payment fee on all plans not paid annually

No enrollment fee

Who doesn't know the ASPCA and their heartfelt please to care for animals in need? As an extension of their great care and concern for animal welfare, the ASPCA has partnered with a leading, longstanding insurance company to offer policies to cover pets, making veterinary care more affordable for owners around the nation.

ASPCA's plans start out more expensive than many of their competitors. While many other companies cover kittens and puppies for less than $10/month (even less than $5/month for kittens), ASPCA starts at over $11 per month for both kittens and puppies. When we looked at their pricing for our dog, a 7-year-old male, mixed breed dog, their rates were more competitive with other plans. On a policy that included a $5000 annual limit, 70% reimbursement, and a $500 annual deductible, we would pay $38/month. On the upper end of the spectrum - unlimited annual limit, 90% reimbursement, and $100 annual deductible - our premium would be $114.97/month.

You can customize your plan as you like. Available annual limits are $5000, $10,000, $15,000, $20,000 and unlimited. Reimbursement levels are 70%, 80%, and 90%. And, annual deductible options are $100, $250, and $500.

Once you've selected your plan, you can add preventive coverage if desired. ASPCA has two plans: Basic and Prime. For our pet, we were quoted $9.95/month for Basic and $24.95/month for Prime. Each wellness plan has annual benefits, such as $175 towards a dental cleaning (Prime only) or $20/$25 towards deworming. You'll want to add up the benefits to see if it would be worth your monthly premiums, since some benefits (such as a health certificate) may not be useful to you on a yearly basis, if ever.

ASPCA pet insurance policies all come with a $2 per-payment fee for all plans that are billed monthly, quarterly, or semi-annually. You can eliminate this fee if you opt to pay your premiums in full on a yearly basis. We like that ASPCA doesn't charge any enrollment or set-up fees.

The underwriter of ASPCA's pet insurance policies, Crum & Forster, is both accredited and "A+" rated by the Better Business Bureau. In over a thousand independently-verified customer reviews, ASPCA's average was a near-perfect five stars. We found compliments praising the ease of submitting claims through the ASPCA app and fast payments on claims.

On the other hand, we found quite a few customer reviews that said they had a very difficult time getting claims approved and paid by ASPCA. Several long-term customers observed that the service they received got worse over the years, with many more denials of "pre-existing conditions" along with much higher premiums. Some clients also said that when their policies renewed, it triggered another 6-month waiting period even though they had a continuous policy paid automatically every month. We didn't see responses from the ASPCA on those complaints, which isn't encouraging.

If you're specifically looking for an unlimited annual coverage plan, ASPCA is one of just a handful of providers that can meet your needs. However, expect that you may pay more, especially if you're covering a younger pet, than you'd spend on a competitor's policy.

Visit Site

3 stars
Pet Assure

PET ASSURE Visit Site

Cost:

Annual plans from $79 to $199

Monthly plans from $9.95 to $21.95

Since 1995, Pet Assure has been saving pet owners money on every trip to the veterinarian: no waiting periods, no deductibles, and no exclusions for age, pre-existing conditions, or pet breed. As an accredited, "A+" rated company with the Better Business Bureau, you can trust that this service is reputable and responsive with any customer issues that arise.

You should understand that this is not a traditional pet insurance plan. Instead, your fees give you a discount card that can save you 25% on every in-house medical service you need for your pet whether that's an allergy treatment, surgical procedure, or even diabetes management. Because you use the card to save at the time of service, there's no waiting for claims to be processed and reimbursed; in fact, you can combine your discount card with a traditional pet insurance plan from another company to save money right away, while waiting for other coverage to be paid out.

Pet Assure is also one of the only plans on the market that gladly covers all pets, not just cats and dogs. If you've got exotic pets like tarantulas or just big pets like horses, you can still use your Pet Assure discount. Here's what to expect:

  • Single: if you have just one cat or other small animal, you'll pay $79/year or $9.95/month. If your pet is a larger animal like a dog or horse, you'll pay $99/year or $11.95/month.
  • Family: for an annual fee of $149 or a monthly fee of $16.95, your plan will cover 2-4 animals of any size.
  • Unlimited: you can cover every pet in your household for an annual fee of $199 or a monthly fee of $21.95.

Before you decide to purchase a Pet Assure plan, you'll definitely want to check which veterinarians are in their network. In our area, there were more than a dozen in-network vets within a 10-mile radius, but the office we usually used wasn't on the list. This could be a problem if you have a veterinary practice that you love that isn't a participating provider with Pet Assure.

You can try Pet Assure risk-free: they offer a money-back guarantee within 45 days of starting your plan, giving you a full refund with no questions asked once you return your discount card.

Pet Assure is an ideal choice for pet owners who have unusual or hard-to-cover animal companions that might not be eligible for traditional insurance. But, for high-cost procedures, the 25% discount might not be a good deal when compared with what you'd have to pay with a regular pet insurance plan. We recommend that you take a look at the numbers and decide which one is a better fit for your needs, or that you consider using Pet Assure together with traditional pet insurance coverage.

Visit Site

Continued from above

Just like their owners, pets can be protected with pet insurance plans that help ease the financial strain of medical care. Pet insurance has become very popular in the last few years, with dozens of companies offering to help you keep your pet healthy for a long time. But, every pet insurance plan is different with respect to deductibles and fees, covered services, and claims processing.

As you decide which pet insurance company is the best fit for you and your pet, keep in mind the following criteria:

  • Cost. What will you pay for your coverage? Is there a deductible, and is it annual or per incident? Will you pay any enrollment fees?
  • Coverage. What services and procedures are covered in the plan you have selected? Does it cover preventative measures like annual checkups? Are there any noteworthy exclusions? Does the company offer a variety of plans to meet your needs?
  • Reputation. Is the pet insurance provider rated by the Better Business Bureau? What do other customers say about their experience? Are claims paid quickly, or do you have to jump through a lot of hoops to file paperwork? Do many claims get denied? Are the company's customer service representatives knowledgeable and friendly?

TopConsumerReviews.com has reviewed and ranked the best Pet Insurance companies available today. We hope this information helps you find the best pet insurance plan for you and your animal companion!

LifeLearn Launches PetInsuranceInfo.com to Help Pet Owners Learn About Pet Insurance and to Easily Compare Pet Insurance Quotes

LifeLearn Animal Health launches PetInsuranceInfo.com to help pet owners learn about pet insurance and to easily compare quotes from different pet insurance companies to find coverage that meets ...

Published:  Wed, 19 Jun 2019 00:31:00 GMT



PAW PRINTS: Health insurance for Fido and Fluffy

If Fido and Fluffy rely on you for their well-being, planning for a rainy day is a good idea. Pet health insurance is an important consideration for anyone with furry four-legged family members. ...

Published:  Sun, 23 Jun 2019 02:30:00 GMT



2 Stocks to Play the Pet Care Trend

Trupanion (NASDAQ:TRUP) is the largest pet insurer in the U.S., providing medical insurance plans for dogs and cats both in the U.S. & Canada. Even though the U.S. leads the world in pet care spending ...

Published:  Mon, 24 Jun 2019 09:47:00 GMT



Give your four-legged pal a five-star break: A four-step plan for taking your pet on holiday abroad

Search 'pet passports' at gov.uk for official advice on how dogs, cats - and even ferrets - can get them. Dogs, for example, need to be microchipped, vaccinated against rabies and treated against ...

Published:  Sat, 15 Jun 2019 10:01:00 GMT



Pet-Friendly Companies Retain Employees, Especially Millennials

A study by Nationwide Insurance shows that pet-friendly companies do a better job of attracting and retaining employees, especially millennials. When viewed across generations, millennials are far ...

Published:  Mon, 17 Jun 2019 06:02:00 GMT



Better Choice Company Signs Sales and Marketing Letter of Intent with Leading Pet Insurance Provider, PetPremium Inc.

NEW YORK, June 12, 2019 (GLOBE NEWSWIRE) -- Better Choice Company, Inc. (OTCQB: BTTR) (the "Company" or "Better Choice" ), an animal health and wellness CBD company, today announced it has ...

Published:  Wed, 12 Jun 2019 05:33:00 GMT



Share Us!    Share TopConsumerReviews.com on Twitter Share TopConsumerReviews.com on LinkedIn Share TopConsumerReviews.com on Google+ Share TopConsumerReviews.com on Pinterest

Home      About Us      Terms & Conditions      Privacy Policy      Contact Us      Disclosure