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: Brendan Smith

Pays for itself (and gives piece of mind)!

I have a 3.5yr old lab VERY active lab, and though he's in great shape, random things seem to always happen. Turns out he has a thyroid problem (treatable with meds every day the remainder of his life) and obtained doggy flu during the outbreak here in Chicago. Everything worked out perfect, but for the $80 or so I spend monthly (the premium plan) I was able to be reimbursed about half a year's worth! Sure, for shots and normal stuff it might seem a little pricey, but if one random thing happens you become VERY thankful you have it. THe dog I had prior to my current pup developed really aggressive cancer and having a couple surgeries and regular chemo treatments and it cost thousands. If I would've had insurance back then, I would have had almost 10 years covered. It was crazy expensive. So at the end of the day you get your money's worth knowing if the worst happens, you have options opposed to feeling helpless. My pup is pretty much my son. I'd do anything for him ;)
5

out of 5

POSTED: | BY: Idaniss Fuentes

James Fowler

I will like to start by saying you need more employees like James Fowler. He gave me exceptional customer service. I have never encounter such a wonderful experience. He actually did as he said he was going to do. He returned my calls promptly and was very attentive to my concern. He's the best you have..
5

out of 5

POSTED: | BY: Lee and

Peace of Mind

Pet insurance allows you the leeway to make decisions about your pet's health needs based on what is best for your pet, not just on what you have in your bank account. We've always said we never want to give up on a pet or deny care simply because of the expense.And, yes, like human insurance they don't pay everything, but for a reasonable monthly fee, they give you backup and peace of mind. I wouldn't be without it. We've had a number of dogs and cats covered over the years and Petshealth Care Plan has always treated us fairly.
5

out of 5

POSTED: | BY: Marissa

Such a relief to have pet insurance!

We have been so pleased with the pet insurance! Skeetee has had a rather difficult medical background, and the insurance was very helpful in offsetting some of those expenses. Wouldn't be without it, and the processing did not go on forever too.
5

out of 5

POSTED: | BY: Brenda McMillin-Conway

Thankful we decided on pet insurance from ASPCA!

We rescued Ziggy 3 years ago and being unsure of his history decided to get pet insurance. After asking around and doing some research online we felt ASPCA offered what we needed at a reasonable premium. After Ziggy was all cleaned up and vetted we noticed he had some skin issues(scratching, scabs), weepy eyes and reverse sneezing so we brought him to our vet who said he has allergies. He gave us recommendations and a couple of prescription medications, including a special shampoo. It helped, some, but he was still suffering from itching and ear infections so our vet recommended allergy testing. Well, our poor dog was allergic to so many things that now we try to avoid and we're happy to report that he's doing so much better with controlling his allergies. Unfortunately, we recently almost lost him to sudden onset diabetes. That is now under control with 2x/day injections of insulin, but then he suddenly lost his sight. We are looking into getting his eyes restored and we don't know how we would have paid for all of Ziggy's great care had it not been for having ASPCA pet insurance!! Submitting claims and receiving reimbursements have been so easy. We were touched by the personal phone calls from ASPCA inquiring about Ziggy's health. Shelly was especially thoughtful and kind with her heartfelt sympathies regarding Ziggy and all that we are going through dealing with his diabetes and blindness. She knew what it was to go through this with our lovely, furry kid! We foster rescues as our way to give back for all the love our dogs have given us and recommend that our adopters get ASPCA pet insurance for the love of their new family member! Even in my business, all my patients know I foster and have an ill dog, so I recommend ASPCA to my animal owners, as well.

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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