ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,864

ASPCA Pet Health Insurance® is committed to making veterinary care more affordable for pet parents. Its Complete Coverage plan covers accidents, injuries and illnesses, and features a simplified reimbursement based on percentage of invoice. Learn more about ASPCA’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: jessie duffy

Thank goodness for ASPCA's insurance

I’ve never been one to write a recommendation online, that is, until now. I would like to express my appreciation to ASPCA Pet Health Insurance for their excellent service and their ongoing concern for my two adopted cats. I had never planned to own cats. When married, my husband and I had a dog but when it passed away we decided no pets of any kind because we worked long hours and traveled. After forty years of marriage, my husband passed away, and my friends tried to convince me to get a dog. Not wanting to be tied down, I spurned their suggestions. All the while I would listen to my friends grouse about their veterinary bills. One friend confided that she had gone into debt using her credit trying to save her ten-year-old cat that was in need of catastrophic medical attention. (Sadly, it lived only a few months after the diagnosis and treatments.) As I listened, I thought there must be another way of paying for a veterinary bill, not realizing pet insurance was available. I was pet free for two years. Then my neighbor died, leaving two indoor/outdoor cats, Clouseau and Allie, homeless. No one in the neighborhood volunteered to adopt them and my neighbor who lived next door to them was getting desperate as they were living full time outside. I finally relented. Thus, my new life with the two little buggers began. (That’s for another story.) On our first visit to the veterinarian for their shots and wellness check- up, I took—with my friend’s financial situation in mind-- brochures of three pet insurance companies. After reading them, I decided on the ASPCA Pet Health Insurance and have never been disappointed in my decision. The premiums were reasonable. Yes, each cat has had some kind of hospitalization or vet’s attention in the past five years prompting me to make some claims. In fact, one just recently: Allie was attacked by another cat in the neighborhood. She required surgery on her stomach where there were puncture wounds and an overnight stay in the hospital. Making a claim is very easy and the reimbursement for the bills are prompt. All telephone conversations have been professional and polite. I highly recommend that if you, as a pet owner new or old, are thinking of buying a policy for your pet, you buy ASPCA’s insurance. It was the best decision I ever made. In fact, I’ve even heard Clouseau and Allie smugly boasting to the neighborhood cats that their mistress provides them with health insurance. They are two
5

out of 5

POSTED: | BY: Geralyn Phillips

Responsive, Caring & Efficient

If you are looking for pet insurance for your fur baby, look no further... This is my third fur baby (dogs) that I have insured through ASPCA Pet Insurance. The Customer Service and response time has improved 100% from more than a decade ago. I very much appreciate direct deposit features and online claim submission capabilities! Most importantly, I receive random follow up calls to check on how my pets are doing after significant appointments. Who does that anymore? I cannot give them high enough praise for the care my family has received! So sign up today!!!
5

out of 5

POSTED: | BY: M. Smith

What a Horrible August We Had

I was sure that our dog would have to be put down. She could not eat anything due to nausea and blood in vomit,and diarrhea. She finally started to improve for a couple days and then started all over again. We had to take her to the emergency room. Fortunately, she recovered and is a normal, pampered 4yr. old pup. Thank you ASPCA for your understanding and help with the bills.
5

out of 5

POSTED: | BY: Arika Johnson

Caring

ASPCA has been nothing but kind, caring of your pet and situation. They are quick in refunding your money to you. They call you when they find out what happened to your pet to see if she/he are alright and offers any kind of help to ease your stress. The fact that they care to take the time out to check up on your pet says a lot to me.
5

out of 5

POSTED: | BY: Lillian Groag

So far, excellent services rendered

i have two (old) cats insured with ASPCA and have given insurance to two other pets (1 dog, and one cat) as Christmas and birthday presents to people who could not afford to insure their animals. So far we are all extremely happy with the service and very appreciative of the comforting people on the other end of the phone Pet owner's distress at their animals' illnesses are not always comprehensible to other people.

Monthly Cost

Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

Coverage

The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

Payout Limits

Annual limits can be set by the customer, ranging from $2,500 to $20,000, including an unlimited option. No lifetime limits.

Deductible

$100, $250 or $500 annually.

Age Limits

No upper age limits. Pets must be at least 8 weeks old to enroll.

Waiting Period

There are no waiting periods for preventive care. Coverage begins 14 days after date listed on policy for accidents, illnesses, and knee/ligament conditions.

Exclusions

Pre-existing conditions, cosmetic procedures and breeding costs are not covered. ASPCA Pet Health Insurance has two Preventive Care plans that can be added to help cover a pet’s wellness care, including annual exams, vaccinations, tests, dental cleanings and flea/heartworm preventive. Preventive Care plans reimburse up to a set amount for each listed treatment. If your pet exhibited symptoms of a knee and ligament condition at any time, prior to enrollment or during a waiting period, all ligament and knee conditions will be excluded. Ligament and Knee are conditions involving a ligament, patella, meniscus or soft tissue disorder of the knee. Accident-Only coverage available.
ASPCA Pet Health Insurance®, provided by Crum & Forster Pet Insurance Group through its licensed agency, C&F Insurance Agency, Inc., is committed to improving animal care across the U.S. by making veterinary care more affordable for pet parents. Their Complete Coverage(SM) plan covers accidents, injuries, illnesses and more, and features simplified reimbursement based on percentage of invoice.  Preventive Care is available at an additional cost.

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