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: Dolores Tucker

Excellent service in all areas of my claim.

Meggie was diagnosed with diabetes this past November (2015).She had many vet bills which I sent on to ASPCA. I was very pleased with the service in all areas. Reading some of the reviews has sort of shocked me in how unhappy some of these folks are...but I will continue saying everything good about ASPCA because they were good to me and filed my claims quickly. I know I will have more claims to send in the future. Dolores Tucker
5

out of 5

POSTED: | BY: Debbie Thomas

In Good Hands

I have used other pet insurances but ASPCA is the best. They even follow-up on your claims and inquire about the health of your pet.
4

out of 5

POSTED: | BY: Courtney Thomas

Aural Hematoma

Trigger suffered an aural hematoma as a result of an ear infection. I submitted my claim and was reimbursed about 80% of the total cost so, not bad.
5

out of 5

POSTED: | BY: Yolanda Spitz

Thank you

Our Golden Retriever suffered 2 torn ACL's one year apart. two years ago.Her surgeries were successful and she has been a happy and healthy best friend since that time. It was our first experience with Pet Insurance and a very good experience. Her needs were met, the result of the surgeries all we could ask for and all accomplished in textbook order. Thank you for helping to make a very difficult time less so.
5

out of 5

POSTED: | BY: Pat Tyrone

Kidney disease

First time I entertained pet insurance after spending thousands on my prior cats due to urinary infections. I still have one female cat who requires constant care for same problem and is not covered by insurance. I adopted another cat who was 4 yrs. old and decided to look into pet insurance and finally considered ASPCA hoping I would not have problems, but needless to say, she was diagnosed with Kidney problems. All claims submitted were dealt with on timely basis and had no issues with anyone. However, based on the comments from D. Fallon and others, I'm wondering if I renew the policy will the kidney problem be considered pre-existing and denied should she not be cured at the time of renewal?

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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