ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,860

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.
1

out of 5

POSTED: | BY: Ted Jappert

Avoid at all costs

The insurance wasn't really so bad, but when it came time for a big claim, they wouldn't pay. I called them specifically because I didn't think something would be covered and they assured me it would be. I filed all the claims and continued with all the vet visits and "oh by the way, we won't pay that... you should have read the fine print... and it isn't our fault that even though you specifically asked about it that we advised you incorrectly"...
5

out of 5

POSTED: | BY: Sue Morgan

So grateful we have insurance for our Shadow!

We adopted our mini-poo about five years ago. He's always been healthy, but we decided ASPCA pet insurance was the best option for us. We've only had to use it a couple of times - once when his knees were inflamed, and more recently when he contracted a blood infection due to the irresponsibility of a mobile canine dentist. We were afraid we were going to lose him, but after a month of antibiotics, he pulled through and is his usual sweet self.
5

out of 5

POSTED: | BY: Marie Hertrick

Great Pet Insurance

I have been extremely satisfied with the service I have received regarding my claims. Any time I have called everyone has been so helpful and claims are processed quickly. I would recommend to any pet owners.
5

out of 5

POSTED: | BY: Ann Fischer

Help when we needed it

Wolfie was adoped and then diagnosed with Lyhmes Disease. I was glad that we had elected to purchase pet insurance just incase. It helped with the expenses.
4

out of 5

POSTED: | BY: Chris M

overall happy with this insurance

I have had this insurance for my dog harper since he was a pup. at the time they had 3 levels, one for accident, 2 for accident & illness, and 3 accident, illness, and wellness I think. I wasn't sure on the details for 3, as I just wanted accident and illness. I have had to use this insurance for accidents and illness. 2 out of the 4 years I've had my dog. I think in general I am in the red, where the insurance has saved me much money when I figure premiums, deductible vs vet expenses. I am glad that I have it though, because my other dog who just had to go to the ER set me back 2200, and with him I had been saving money each month as a 'just in case'. Well I haven't saved that much... so it was tough. If I had insurance maybe it wouldn't have been that bad. The claim process is easy and the web form is simple to fill out. There can be a bit of a wait to get the results, but for dot fights, sickness (vomitting), and sickness (tick born), the level 2 insurance has helped.

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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