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.
1

out of 5

POSTED: | BY: Sue

Poor Service

I would not recommend ASPCA insurance to anyone. I live in one of the most expensive areas of the country, and their "usual and customary" rates do not take that in to account. Also, they routinely indicate that they need additional information and have contacted the provider. All three of my providers indicated that they never had any contact from ASPCA. The policy does not continue coverage for illness that was diagnosed in the previous policy year - unlike almost every other policy out there. So, after paying premiums for over 10 years, when my dog was diagnosed with diabetes, I had three weeks of coverage. No, I can't get another policy to cover him, so I'm stuck with them - something I'm sure they count on. Claims take weeks to be reimbursed even with electronic submission. Poor service and policy all around.
5

out of 5

POSTED: | BY: Steven Monblatt

Helpful insurance plan

Some people say that pet insurance isn't necessary. Wait until their pet has a serious condition. ASPCI/PI has been a reliable backstop for my black lab for seven years. They do what they say they will do with no fuss. I am glad I have them. So is my dog (I think).
5

out of 5

POSTED: | BY: Maverick

Highly recommend ASPCA pet insurance!

Our dog Maverick has been sick since January 30. ASPCA has been very efficient processing claims and sending payment quickly. It has been a very difficult time with our dog both emotionally and financially, having pet insurance has helped offset some of the costs.
5

out of 5

POSTED: | BY: Lori Spector

ASPCA Pet Insurance is simply the best!

The claim process is quick and easy. ASPCA Pet Insurance reimburses your claims fairly and does not debate each and every claim. It is absolutely worth the money and peace of mind that you don't have to make a choice between your pet's health and your wallet. I have 2 cats and I have been able to give them the best medical care as a result of ASPCA Pet Insurance. I would never go without it again!
5

out of 5

POSTED: | BY: Cindy

Pets Health has been worth every penny!

Our dog has been covered with Pets Health for 9 years and we are very happy with the service we have received.
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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 Insurance detail
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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