ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,802

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: Sandra Cowen

Good Coverage and Quick Reimbursement

I've had ASPCA Pet Insurance for several cats over the years. The coverage has proved beneficial many times, and the reimbursement is quick. Everyone should have pet insurance because pets are going to get sick no matter how well we take care of them.
5

out of 5

POSTED: | BY: Trish C

Has given me peace of mind

I signed up for PetsHealth when I first rescued my Labrador Retriever. A Lab is an active dog that will likely see a vet often. The insurance plan has more than paid for itself over the years. We've been through 2 knee surgeries and an eye removal due to cancer. Claims are easy to submit and payments are prompt. I would never be without an insurance plan for my dog.
5

out of 5

POSTED: | BY: Leo

You never want to use! But when you need is the to

Our dog lost full movement on the rear paws... During a stressful time the last thing. You want I'd to worry about costs and bills. ASPCA was the best provider to have and made the whole.process easy and stress feew
5

out of 5

POSTED: | BY: Donna Hoover

ASPCA has been awesome so far with Sadie & Sophie.

Sadie just had a severe stomach illness. I really don't know how to spell it. However, it was so serious that if not treated immediately she would go into profound shock and die!!! She was hospitalized for seven days. They even came to the house on a Sunday to treat her. I was very scared as I had just had to put my golden down because of a brain tumor. Sadie is doing very well physically as I type. Just emotional about the loss of her brother as we all are.As soon as the claim was submitted I received an e-mail from ASPCA that they had received the claim. It wasn't long after that I received a check. It's great to know that I now have a very good and reliable pet insurance for my girls. I've had other pet ins. that was awful. Always an excuse not to pay any claims, but they sure want their premium. If and when we are lucky enough to get another Golden Retriever it will be added on with Sadie & Sophie. My dogs will get what ever they need. However, it is nice to know that there is an ins. out there that really takes care of your pets. They also call and appear to be very sincere, about how your pet is doing now. I think it's the best that I have had an experience with. I have tried 5 other insurances through the years. They sucked and the ones that did pay took 3 to 4 months to get anything out of them.
5

out of 5

POSTED: | BY: EJD

Great Service

My 7 month yellow Lab likes to her toys. I had two emergency visits and each time vomiting was induced. She doesn't get the same toys anymore. Each claims was paid per the policy terms. I suggest everyone read their policies. I have been in the insurance business for 40 years and only one client ever read his entire policy, for which I am truly grateful.

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.

Get a quote today

Leave a review