ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,792

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: Dunkin

PIECE OF MIND

You guys are great. Great communication. It's nice to know that when our dog is sick or has an emergency that we have medical insurance to cover some of the costs. When our dog was diagnosed with a level 5 heart murmur and cancer last year, costs added up pretty quickly. I never know what is covered or not, but I submit the bills and the people at Petshealth Care navigate through them and reimburse the appropriate costs. Thank you guys.
5

out of 5

POSTED: | BY: Valentine

Happy

ASPCA Pet Insurance staff are always happy to help and do so in a timely manner. Calls are answered promoptly and claims processed quickly.
2

out of 5

POSTED: | BY: Susan Dungey

Used to be better

When I first came to ASPCA, they were so friendly and checked on my pet. I have been with them about 5 years with only one $80.00. claim which was processed very quickly!Now my rates have gone up without notice saying my dog is 10, we charge for senior dog now, again no notice. Well my dog was hurt very bad and I finally submitted a claim, they never have called, emailed or contacted me in anyway to verify they received the claim. Still waiting for reimbursement, called to check on the status and to see if they even received it and the customer service rep. was far from when I first started. I asked why it is taking so long and why no foloow up call like they used to. She said MAM, we used to be a smaller company and could offer faster money turn around and have more time to check on the pets but we are a much larger company now and I would have to wait longer for my money then I used to.!!! so much for this company!!
5

out of 5

POSTED: | BY: Jennifer

My sweetie had a cancerous lump

My family dog had just died two months before and now my furry kid had a cancerous lump. I was so worried that i would not be able to afford to take care of her. We were lucky, it was early and treatable and we had insurance. I was able to schedule tests and procedures to make sure that nothing had spread without worrying that I was going to go broke. the claim process was beyond easy.
5

out of 5

POSTED: | BY: Kurt

ASPCA very supportive

We compared several plans for insurance for Rae and decided on ASPCA. They have been very good for us, saving money overall when considering the premiums and co-payments. They accept claims directly from our vet electronically and pay promptly every time. I can't think of a claim they have denied, and they often call to check on how Rae is getting along - a nice personal touch. I'll rate them 9 only because we haven't used any other insurance to compare, but we are satisfied.

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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