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: Luz Lozada

My Boxer and American Bulldog are covered.

Great service. I currently have my two dogs enrolled. My Mario has cancer so we are lucky to have insurance, so far he's had two lumps taken out. My Malibu had a little accident but had stitches so I also added her on the policy.
5

out of 5

POSTED: | BY: Gene Saltzberg

Life saving need!

Our dear 7 y/o Bloodhound was diagnosed with a treatable (But expensive) form of Thyroid cancer. Having had ASPCA health insurance made our decision to treat her a simple one!! We look forward to more years with her, and will continue to be grateful to ASPCA!!
5

out of 5

POSTED: | BY: Anne Peabody

Your insurance saved our dogs' life.

I recently received reimbursement for a skin condition our dog suffered from last month and thought I should write in about the big reason my husband and I love your insurance. In 2014, our then 4-year-old dog, Ida developed a mast cell tumor on her leg. My husband and I have had dogs with that type of cancer in the past and though the dogs were much older, the outcomes, even with surgery were not good and were extremely expensive. When our vet suggested surgery for Ida, we were able to really think of her needs rather than money and proceed with the surgery, which was extensive, but had a good recovery rate for young dogs. Ida had (expensive) complications and the ASPCA was with us every step of the way; offering encouragement and reimbursing us for most of the medical bills we incurred. I am thrilled to say that Ida is doing well, two years post-op and is the best, happiest and friendliest dog I've ever known. Only because of the ASPCA is she here with us today. We love ASPCA health insurance and recommend it to everyone we meet. We have even become monthly donors. Thank you ASPCA
5

out of 5

POSTED: | BY: Diana Larios

VERY SATISFIED CUSTOMER

I have 4 large dogs and live on a 5 acre ranch. As hard as I try, I can not keep them all healthy and injury free, which is why I purchased pet insurance. Hartville has been AMAZING! My claims are processed quickly and correctly. I have never had any claim denied and everything that I expected was covered. Last year one of my babies got Luekemia and Hartville was there for us, like a family member actually. They covered all of the treatments, most of which were quite expensive. Unfortunately, he lost his battle, but Hartville was still there for me. They called with condolences and even paid for his cremation. I am so impressed with this company, I would recommend them to everyone with a pet.
5

out of 5

POSTED: | BY: Andrea

Pet Insurance easier than Human Insurance

I have coverage for all my pets. Recently my dog injured his paw. I paid the bill, submitted the claim and reimbursed with in a couple of weeks. Easy process. I highly recommend ASPCA pet insurance, the price for coverage is lower compared to other plans and they offer different types of coverage.

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