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: Patricia Murphy

Good coverage at a reasonable price.

My oldest cat has had 2 serious medical problems in the last 5 years, both of which were costly. The claims submission process was easy (I scanned and emailed my claim forms) and the funds I recovered defrayed a substantial amount of my out of pocket expenses.
5

out of 5

POSTED: | BY: Heather

Great Decision!

Ironically, we decided to get pet insurance after our Cat, Oscar had crystals in his bladder and was sent to the emergency vet. We racked up a huge bill $3,600 and decided it was time to do something. Instead of getting insurance for our cat, we got insurance for our accident prone dog. Finn, our Border Collie/German Sheppard mix, loves to eat things, especially things he shouldn't. One morning Finn decided to eat my garlic peeler and a couple garlic cloves, which meant my husband needed to rush him to the vet. ASPCA was fantastic, they processed my claim very quickly and always make sure to give me a call to check on Finn. Anytime someone mentions pet insurance, I tell them to check out ASPCA.
5

out of 5

POSTED: | BY: Valerie Martin

Grateful for ASPCA Pet Insurance

In December 2015 one of my pets was diagnosed with diabetes when he was in the vet's for another reason. I had mentioned he had a large urine output that prompted a check of his glucose level, which was extremely high. My pet was put on insulin but it seemed to make matters worse, and at one time I had to take him to the Emergency vet. Insulin was stopped, and he is being maintained with diet. The claim for the initial diagnosis, as well as a claim for the trip to the Pet Emergency clinic, were processed quickly and fairly. I am very happy with ASPCA pet insurance.
5

out of 5

POSTED: | BY: Debra Johnson

The Best Pet Insurance There is....

A year and a half ago I lost one of our beloved dogs to a veterinarian I had regarded to be the best. His name was Harley. I took him for a simple teeth clean and to remove some benign tumors and he ended up unable to eat ever again. Somehow, the vets let him lie flat and the fluid from his stomach destroyed his esophagus. After a month of stomach tube feedings and watching him deteriorate, we had to send him to Heaven. ASPCA was aware of what was happening from the invoices I had been submitting. This wonderful organization called me often to give comfort and counseling during my time of great, great grief. I will always, always recommend this organization for pet insurance, they are efficient, honest and fair in their claims process. Take my advice, please--do NOT ever have your dog's teeth cleaned under general anesthesia. Buy Tru-Dog "Spray Me". It truly works for removing tartar. Check it out.
5

out of 5

POSTED: | BY: Jacqueline M

Truffles

I love ASPCA in that they give my reimbursement quick and fast and with no trouble. They are they only insurance that I have read online to cover a pet for the same illness after 180 days and overall they every time I call they always ask how my dog is doing. I would recommend ASPCCA to anyone as they truly look out for your pet.

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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