ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,719

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: Larry Jawitz

Beat Dog Insurance Ever

We have had Petshealth Care Plan for over 15 years for two dogs (unfortunately, not the same dogs). They pay promptly and according to policy. They do not drop a dog once it reaches 10 years old like some policies do. This year, I was switched to the extended care version which I am extremely please with as it gives me peace of mind. One dog had a thyroid problem for life that this option would have covered.
5

out of 5

POSTED: | BY: Barbara Vernacchia

Glad I kept my pet insured

In 2011 I lost my job and I was paying the top tier so my dog gets the best care. But the expense was a little high for me to handle. I had to decide to downgrade her coverage or cancel. Anyway I decided to keep the lowest tier which is very affordable and I am very glad I did. My dog fell off the bed and injured a disc in the back of her neck. Had to rush to an aminal emergency hospital. Needless to say she had to stay in the hospital for 2 days and with no job and no icome this would have been a disaster. With the help of family to help pay for her stay I was able to pay them back when my claim was processed. They processed my claim at a fast and timely manner. I want to Thank them and also let them know my dog Sandy has made a full recovery. She amazed her vets with her comeback. Started walking within 4 weeks. Some dogs don't do this well and I glad that the vets kept a Postive attitude to keep me calm and work with my dog to get better. You never know anything can happen no regrets the best decision I ever made. If your like me than a little is better then none. Sandy is happy and now me her mommie has to find a job. Thanks to the ASPCA and the vets that took care of my baby.
5

out of 5

POSTED: | BY: Brenda

Gastroenteritis and Anorexia

Who would have thought that their puppy would get hold of a corn cob after a family get together and stop eating or drinking? Then not pooping and throwing up? Had to take my baby to the vet and he had Gastroenteritis and Anorexia, and sadly had to go onto an IV and spend the afternoon at the vet for barrium and a series of rays. @ days later he was feeling much better, but I will be counting the cobs the next time. ASPCA pet insurance put my mind at ease when it came to the bills. Easy to file claims and a fast turnaround on payment. Thans ASPCEA
5

out of 5

POSTED: | BY: Walter Harvey

Total satisfaction with ASPCA {et Insurance

I am in the third year of my policy with ASPCA Pet Insurance and am 110% satisfied with that company's policy, integrity and honesty. They have processed every one of my claims promptly and completely in accord with the policy terms, conditions and limitations. I have even submitted incomplete claim forms with only a copy of my dog's vet's invoice and ASPCA Pet Insurance has accepted,honored and processed those submissions. Prior to my dealings with ASPCA Pet Insurance I covered my dog's health insurance with a policy from a major competitor of that company. Almost every claim I submitted to that other company was met with evasion, avoidance and attempt to disallow it, require additional information and even unreasonable denial. I have had no such problems with ASPCA Pet Insurance and wholeheartedly recommend that insurer to any and all pet health insurers, I am not a person who writes reviews or otherwise comments on those companies with which I deal. I am writing this review because ASPCA Pet Insurance has earned my absolute respect. Thank you for doing that.
5

out of 5

POSTED: | BY: Aaron

This Insurance is great

I had to take my cat Noodles to the vet the other day and thank goodness I had this insurance otherwise financially I do not know what i would have done.I was even able to you my Petdiscounts from Dr. SmartPhone MD to get his medicine. I suggest anyone with pets should check that out as well you save on healthcare for yourself and your pets. www.drsmartphonemd.com/pet_discount

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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