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: KAREN LA

I WAS VERY VERY SATISFIED

MY PET (ZIMMIE) WAS VERY SICK.HE IS OK NOW.THE SERVICE I RECEIVED FROM ASPA INS. WAS A WONDERFUL EXPERIENCE.EVERYONEWAS VERY HELPFUL. I WAS VERY SATISFIED WITH THE CLAIM AMOUNT PAID AND THE QUICK SERVICE-EVERYTHING WEAS FULLY EXPLAINED AND THE STAFF WERE ALL VERY HELPFUL AND PLEASANT- I RECOMMED YOU TO ANYONE I CAN
5

out of 5

POSTED: | BY: Barbara

The absolute BEST pet insurance!

ASPCA if the absolute BEST!!!!!! My dog has had multiple issues over the past two years - seizures, hip issues, gastrointestinal problems. They pay claims promptly and I have never been denied and never had to justify or explain my claims. They have wonderful customer service and even call after an incident to see how she's recovering. I had a policy with a competitor previously which was worthless. Totally turned me off pet insurance. They paid very few claims and argued about every one. With ASPCA, I feel like they are really trying to take care of the health of my dog and not just make the most money possible off insurance. I HIGHLY HIGHLY RECOMMEND ASPCA VET INSURANCE and have my vet recommending them as well, based on my experience. Really - do not even think about using any other vet insurance company!!!!
5

out of 5

POSTED: | BY: Teri Peterson

Best Pet Insurance Carrier

I have tried all the carriers including VPI, Pet Plan, Pet's Best and then finally I found the BEST in ASPCA Pet Insurance. All of the others covered very little but had consistently high premiums for my now almost 13 year old Purebred Yorkshire Terrier. I have their Level 4 with Adv Wellness protection that I started when he as about to turn 10. One incredible aspect is that they will insure dogs over 10 years old out of the gate. I am so grateful I changed insurers and would never leave ASPCA. Sammy got pancreatitis in February from eating cheap store bought Beneful. I had just gotten out of the hospital myself and he was throwing up everything he ate. I was so scared that I would lose him. I am in a wheelchair and he has been with me since an accident in 2002. He was hospitalized for 2.5 days. Since I am also a Care Credit Card Holder I did not have to worry about making a financial decision to take care of him. No matter the cost. He was well in about 2 weeks and now I make all of his food myself. He is happy, healthy and when I received the reimbursement for his $3500 bill I was ecstatic. ASPCA paid 90% of the charges. I love my ASPCA insurance and my Care Credit Card!! I highly recommend you ignore the rest and check out ASPCA esp if you have an older animal. The customer service is superb, premium options are flexible and claim reimbursement is fast.
5

out of 5

POSTED: | BY: Shannon French

LOVE this Company! Long time customer-6 Pet Owner

Recently posted this on my Facebook Page: Love being with http://petshealthplan.com/. Just got notified my claim for Luna's stitches got processed...only 1.5 week turn around & they are going to direct deposit in my account! Getting $104.74 back off of the $187.74 bill...would have been more, but we hadn't met the $100 deductible for the year yet. Crazy awesome customer service any time I've had to call and they give a multi-pet discount. Been with them for over 10 yrs back when they were the only pet insurer I could find...there's more out there now, but I haven't seen anything to entice me away from this company! UPDATE since post: The next day Hartville called us to make sure Luna was doing well & to let me know my claim was processed. They really have customer service down! Their website is recently updated where I can submit & view progress of my claim online! LOVE it! Thank you! Thank you!
5

out of 5

POSTED: | BY: Barry Stevenson

Very good Insurance, Good service

I would recommend this insurance to every one.

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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