ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,796

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: LRLUCAS

Dependable

Dependable insurance! I thank God i have this Pet health insurance. My fur babies needed emergency care several times and ASPCA were always undestanding , prompt in re- imbursing me with the Vet bills. TY, ASPCA
5

out of 5

POSTED: | BY: Kim Williams

The greatest service

ASPCA pet insurance is a very thoughtful policy. They take into consideration all possible circumstances surrounding pets and try to accommodate benefits. They are also very efficient in there turn around time when you submit a claim. And they also keep in touch as to where they are when processing. ASPCA pet insurance is also very affordable.
4

out of 5

POSTED: | BY: Wendy

Piece of Mind

I have been with Petshealth Care Plan for 16 years now, and would recommend them to anyone with a pet. Having pet insurance has been piece of mind to me, knowing that I didn't have to make medical decisions about my pet based on money. Knowing I would be getting reimbursed for 80% of the usual and customary price for a covered charge helped when my pet needed ACL surgery and followup rehab. I will not lie, insurance is a bit expensive as the pet gets older, but I have been able to customize the level of insurance to suit what I can afford, and what is practical for my aging dog. It might not be for everyone, but I know that if there is another pet in my future, he will be insured with Petshealth Care Plan too.
4

out of 5

POSTED: | BY: Joan Padalino

Very satisfied with policy

Having 4 cats means many trips to the Vet even if just for a nail trim - I have received many reimbursements for services rendered
5

out of 5

POSTED: | BY: Dave and

Thank God for the ASPCA

Since our little bundle of joy Buttons has been aging , her medical problems have been increasing. We made the very important decision to purchase ASPCA insurance 5 years ago and have had no regrets. We have submitted a few claims over the years, most recently one for lung cancer as well as an enlarged spleen. Without the assistance of this very valuable asset , we would have had to spend thousands of dollars to keep our dear pet alive . We have recommended the ASPCA to those we've come in contact with for their pets as well. Thank you ASPCA.

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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