ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,868

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.
4

out of 5

POSTED: | BY: Wendy A

Pet insurance is piece of mind

I have had my dog insured with Petshealth Care Plan for 16 years now, and recommend it to anyone who asks. Sure there are years when I pay more in premiums then I get back, but the same goes with my own health insurance. Having pet insurance means piece of mind in knowing that when my dog tore his ACL and was in pain and needed surgery and PT, that I was going to be getting back 80% (of the usual and customary charges) and that helped immensely in deciding to do the surgery. As the years have gone on, and knowing that I will not be putting my aging dog through surgery anymore, I was able to customize his insurance level and just have a basic plan that covers accidents and illness. I will not lie... over the years the premiums have increased alot, but for me it has been money well spent. Claims are processed pretty quickly and although I have had some issues with the amount of records my vet has had to provide each time I submit a claim, I am very satisfied with Petshealth Care Plan and would insure any future dog with them.
5

out of 5

POSTED: | BY: maria cadiz

reliable

its fast and reliable, i would recommend it, 10 you are the best
5

out of 5

POSTED: | BY: Tammy

Pet Insurance that cares

Within the past year my Molly has had a severe ACL tear and just recently a twisted stomach, requiring emergency GVT w/ resection surgery. Within less than 3 hrs of submitting her bills for surgery and aftercare, I received a phone call from ASPCA. The customer service lady wanted to know how Molly was and is there anything they could do. What human insurance company would do that? Molly is almost back to normal. Thank you ASPCA, for caring. Tammy
5

out of 5

POSTED: | BY: todd lyon-miller

Easy.... and reimbursement...

The best experience. My reimbursement was more than I expected. The time frames were short and quick and customer service was wonderful.
5

out of 5

POSTED: | BY: jeanine black

awesome

There a great company

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