ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,864

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: Gail Baumoel

Excellent insurance

I've been very happy with my Petshealth policy. My 16 yr old dog developed glaucoma & lost the vision in 1 eye. It was necessary to have a surgical procedure done & Petshealth paid 80% of almost all the charges. There have been follow up appointments & numerous eye drops, the insurance has been great. All payments have been prompt, there have been no problems at all.
5

out of 5

POSTED: | BY: Nancy Wolfenbarger

Ovida'a TPLO surgery

We had never had pet insurance until this last almost year and a half. After losing our Chessy to diabetic complications(I gave her insulin 2 times daily for over 4 years) we became aware of how costly an illness/injury can be. Our sweet Ovida (Ovi) was just playing in the house with our Maine Coone. Normal daily activities but she must have twisted the wrong way and hurt her right back leg. I watched her and rested it for 4 days but saw no improvement so went to vet. X-ray and exam followed showing a lot of tearing of her ACL . Ovi was put on Rymidal for imflamation/pain and Ace to keep her calm. Visited surgeon for exam and surgery followed the next day. The insurance paid really well. We are on the 90% of usual and customary coverage. I need to to say that this is a very costly surgery, but necessary. There were only a small handful of charges on the surgeon itemized list that were not paid at 90%. The $300+ first doctor expense was covered as was surgery and follow up medications needed to recoup. I like the fact you can log in to your account, see when received, and where they are with the process. To expedite the payment I had the vet copy all of Ovi's records and sent with first billing. Important to know there are some exceptions...to coverage with timelines. ACL is a bilateral issue and there is a waiting period of a year if the pet had one before. These are the most pleasant people to work with at ASPCA. Every conversation has been helpful, kind and caring. I even received 2 follow up calls checking on Ovi. Sorry so long...but I would not hesitate to go with this company. Stellar!!! Also have our cat on program...haven't needed to use yet; ). Peace of mind if we do.
5

out of 5

POSTED: | BY: Melissa Quintero

Amazing!

I have nothing but great things to say about ASPCA Pet Health Insurance. After my dog got sick, they got my reimbursement back to me quickly. Then they called about a week later to see how she was feeling!
5

out of 5

POSTED: | BY: Ernie Franco

ASPCA Health Insurance

ASPCA health insurance is always there for our dog's care. Never have had any kind of problem or refusal to pay over the past 7 years. Easy claim process can do online and scan vet bill. Also claim after processed can be automatically/electronically sent to your bank account. Fast and painless..way better than people insurance.
5

out of 5

POSTED: | BY: Gail Preziosi

Excellent and caring service

When our cat, Pepper, passed away we received calls and a sympathy card from the associates at ASPCA Pet Health. We were overwhelmed by this show of compassion. When we adopted our new cat, Mickey, the service associates were quick to tell us how happy they were for us, and again, how sorry they were about Pepper.

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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