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: Deborah Newis

Pet Insurance - Worthwhile Investment

I have all of my Cats, who are all shelter rescues, insured with the Plan that covers Welless. It is great peace of mind to be able to have my Fur Babies have a complete annual check up. Two of my Cats have had illnesses that required treatment. My eldest Cat, Chloe began vomiitng and refused to eat. I took her to our Vet, she required X-rays and an Abdominal Cat Scan. Chloe was diagnosed with Inflammatory Bowel Disease. She was hospitalized and given IV medication and IV fluids. Chloe still refused to eat. A Feeding Tube had to be inserted in her Esophagus. When I brought her home, I had to administer Tube Feedings and Medications before I left for work and when I came home from work. I would also leave her Pureed Food in her dish and water which she refused. It took several weeks before Chloe began to take in small amounts of food and water by mouth. The Feeding Tube was eventually removed. The cost of Chloe's diagnosis and treatment was costly and it was worth every cent. The Insurance Plan's reimbursement of Chloe's Medical Bills was significant. I am extremely grateful for the prompt reimbursement and the concern shown by the Insurance Reps.I have repeatedly recommended this Insurance Plan to my friends and employees. Thank You!
5

out of 5

POSTED: | BY: Sean Devine

Best buy ever

We bought insurance for our Chocolate Lab after having spent $2k on a surgery at 8 weeks to remove rock and dirt that were eaten. Our girl has had a rough go of it in the last 2 years with cancer and a knee replacement and ASPCA has been a rock through it all. We could have never afforded the procedures on our own. Thank you ASPCA for the great service!
5

out of 5

POSTED: | BY: Sandra Grosso

Thank you - excellent service!

My 1 year old Bolognese had to spend two nights at the hospital. It was easy to file a claim. Everything was covered and my check arrived in a timely manner. I am very pleased and strongly recommend ASPCA pet insurance. Everyone I have spoken with has been wonderful and I appreciate the follow up calls to see how Bella is doing.
5

out of 5

POSTED: | BY: DJM

Great Service

We had to make a few claims recently and I was pleasantly surprised by the claim service. It was easy to submit a claim the response was prompt and the representatives I did talk to were very helpful. I would definitely recommend this company.
5

out of 5

POSTED: | BY: Sue Lyon

Great Plan(s)

When we adopted our then 2 year old shelter rescue miniature poodle mix, Muffin, 5 years ago, nothing was available about her health history. We chose ASPCA and have been grateful for our smart choice!! When Muffin was attacked by a (?) in our fenced yard one nite, the surgery was expensive. Not only were we reimbursed quickly, but we received a phone call from ASPCA asking how she was. We have recommended ASPCA several times, and will continue to do so.

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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