ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,866

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: Janet birnkrant

Very useful insurance for seniors

Premiums a bit high but however it has all paid off. My dog had a cancer operation and a month later an unrelated digit amputation. He is over 13 yrs . The resolution was quick after I mailed claims. No questions were asked . It helped us so much on two very expensive procedures and these operations were done by a non- profit specialized animal hospital. Great service from PHP ( ASPCA).
5

out of 5

POSTED: | BY: Rochelle Dallam

Outstanding company!

I have been using ASPCA for several years. I was extremely happy with the manner in which they handled the claims for my cat, Tigger, when he was diagnosed with an atypical tumor in his intestines. Despite the vets efforts Tigger passed away. This company was amazing. The compassion shown by the agents I spoke to was unexpected, but welcomed. The company handled all claims quickly and efficiently. No hassle. A couple months later I adopted a nine year old Maine Coon, Magic....BiG cat! Basically a puddle of love on paws. I insured him through ASPCA. Within the first couple of months he started having coughing fits. I took a video of of one of the fits and went to the vet. After several tests and X-rays it was determined he had a bronchial irritation of some sort. Medication was prescribed. He is doing quite well. Fewer coughing fits are occurring. I filed the claims and received an email notification within a couple of days indicating the claims were being processed. Additional emails were sent regarding the claims status. I am thoroughly happy with this insurer. They are quick, thorough and efficient. I appreciate the personal touch in their follow through. Receiving phone calls from agents inquiring about the health and care of my pets. I can't ask for more.
5

out of 5

POSTED: | BY: Bob Roy

Very helpful health insurance!

For Decades our family has been rescuing Greyhounds. We always try to keep a male and a female. We have also had cats and other dogs. Vet bills can add up quickly. Some years ago we decided to take out health insurance on the hounds. Some years it did not pay but in other years it has been a savior! We have always found the claims to be settled fairly and in a reasonable amount of time. Most recently we had huge bills on one of our dogs who had cancer. ASPCA insurance paid thousands of dollars on that claim. We strongly recommend this coverage.
5

out of 5

POSTED: | BY: Allan Hudack

A VERY COMPASSIONATE AND HELPFUL COMPANY

.....My Standard Poodle,Augie, is 11 yrs old. Up until this past year he has been very healthy. We have had three large claims in the past year, and without any hesitation ASPCA Pet Ins., they were paid, after they had done their checking. The fact that they even called through out his illness to check on his welfare was great. There was no concern on their part about how high his expenses were getting to be. I would recommend ASPCA Pet Ins. to any dog or cat lover.
1

out of 5

POSTED: | BY: Tara

Don't waste your money with this company!!

I got this pet insurance when my dog was 6 months old. She is now 9. I have sent in claims which I would never get any money back for. There was always an excuse about how it wasn't covered. I had one of the most expensive plans paying $80 a month. Over this time I have only received a couple hundred dollars. From the thousands I had put into it. The last straw was my dog had to get a mass removed which was thought to be cancerous. ASPCA pet insurance would not cover ANY of it because they claim that it was a pre existing condition. Didn't know a cancerous mass was a pre existing condition! What is the point of paying $80 a month. I have never had such a bad experience with a company before. Wast of money. There are way better pet insurance out there. Or better yet save your own money every month for vet bills. Such a scam.

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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