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: Linda Heffron

Pleased beyond what I thought I would be.

My Golden Retriever, Clover, was quite ill and had to be in a Veterinary Hospital for a few days. Many test were done and the cost was quite substantial. The information was sent into ASPCA. I have Option 3 but did not think that it was going to cover much of the amount of money I had to pay. Well, I was very surprised and so very pleased with the coverage. Almost the total bill was covered. ASPCA also called to find out how she was doing.
5

out of 5

POSTED: | BY: Chris

Definitely Worth the Money

My two year old Yorkie was sick and had bloody vomit and poop. We took him to the hospital where he stayed for a few days. It was great piece of mind knowing that when the vet asked if we wanted to have some of the more advanced analysis (i.e. x-rays from an external expert) that the cost wasn't weighing into my decision as much as it would have without insurance. My pooch had to stay there for two days and needed IV antibiotics, fluids, and other medications. Once we were able to take him home, he had three prescriptions as well. Overall, the bill was $1600 and over $900 of that was reimbursed. The claim was processed quickly and directly deposited into my account. Then I received a call from ASPCA asking how my dog was doing. You really can't ask for anything more in an insurance company.
5

out of 5

POSTED: | BY: Marie

Give them a try for the sake of your pets!

I have been associated with ASPCA for almost 10 years. I now have 4 pets who are covered in case of an emergency and/or unexpected illness. Fortunately, I have not had to use the insurance much, but when I did, it was a great relief knowing that I would be able to re-coup some of the associated costs. In addition, the reps at ASPCA are Very helpful and patient with helping you decide which plan to try. For the peace of mind knowing my furry family is covered in case of an emergency~ ASPCA Ins. is well worth it.
5

out of 5

POSTED: | BY: Bahram Djahed

Professional, Caring and expedient service

I used to have another insurance company to cover my dog's medical expenses. I did not have a good experience with that company. Ever since joining ASPCA, I have always received fast response to my insurance claim and also have got calls from their representative calling back and asking about my dog's health situation. this shows that they really care and not just another business trying to make money.
5

out of 5

POSTED: | BY: Samantha

Savings Saver

Our monthly plan is affordable and when it's really needed helps so very much. We have a giant furbaby, Great Dane, and at the age of 8 still acts like a puppy but sometimes we forget how old he is. When we had to rush him to the ER the bill was not small, but within days after his release we got our claim processed and more than 75% covered. We don't have much and this back up measure helps us care for our puppy as well as our finances.

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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