ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,718

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: James Kirrane

Insurance provides Piece of Mind

Shadow is a 10 year old Labrador Retriever and as she's gotten older she has developed a few problems. Recently while chasing a ball she slipped and hurt her leg. Immediately, I wrapped her up and brought her to the vet. The cost never entered my mind. Having the insurance gave me the comfort knowing I would be able to afford her treatment. After a few visits, x-rays, shots we spent more than a few hundred dollars. I probably would have spent the money anyway but I was glad I had purchased the insurance. I am very happy I made the decision when Shadow was a puppy and I will purchase another policy when we get another dog. The ability to file a claim on line was excellent. All I had to do was scan the paid bills and upload them to the website. A few days later they let me know the claim was approved and I received a check soon thereafter
5

out of 5

POSTED: | BY: Toni

Excellent insurance for our dog

We've had this pet insurance for 4 years now and very pleased. We signed up for it when we adopted our rescue German Shepherd. It helped pay when we had her spayed. A few years ago she was diagnosed with incontinence and we can submit for her monthly meds. Now she was recently diagnosed with Megaesophagus. Sierra underwent X-rays and other tests before discovering her condition. The pet insurance was great and covered quite a bit of the vet bill. I even receive calls from ASPCA checking up on our special girl.
5

out of 5

POSTED: | BY: Marlene

I am very satisfied with APSCA Pet Insurance

My cat was given many pre-surgery tests which amounted to over $1300. Submitting a claim was simple and the response was in a reasonable time. It was nice to receive a reimbursement check (over $980) to help pay down the the debt incurred. I highly recommend this insurance company, esp. after prior experience with another company.
5

out of 5

POSTED: | BY: Ben

So far so good!

Customer service on the phone is particularly helpful.
5

out of 5

POSTED: | BY: Bob Nizza

Great Compassion, Great People ASPCA Pet Insurance

Over the many years that I have had my dogs, I have never had pet insurance. Now with my 3 Westies and 1 Cat I decided that the time was right to finally do it. Our little girl Westie Roxanne had a terrible urinary tract infection. It caused a kidney and liver issue. Unfortunately mid stream we had to change vets as we were being taken for a "cruel ride" by our original vet. The most important thing to us was that Roxanne got better and not the money. However it was obvious that they were being taken for a ride. Our heart and emotions were being played with for monetary gain. Luckily our ASPCA Team was right there for us through the whole ordeal. Not only helping us to in a big way to pay a $2000 plus bill but with the moral support and care and compassion that a family member would give. Do yourself and your pet a BIG favor don't even think twice on this. The ASPCA Pet Insurance is a must for all pet owners. I am no longer afraid if one of my "babies" get sick. The Veterinarian industry has truly become a business nowadays. As I young man I remember them having true compassion and "working" together with you till your pet was well again. Those days are LONG GONE. - ASPCA PET INSURANCE is the answer to the terrible injustice that so many of us have been subjected to.

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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