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: Sienna M

What a comfort!

When my 10-year old dog came in from being outside looking like he'd eaten something very bad for him, I didn't hesitate to bring him to my vet even though it was a weekend because I knew I would have help paying my bill. I love my pup so much I don't think I could hesitate anyway so it's a comfort to know that I'll get some of my money back. Claims are easy to make & get resolved quickly. My vet spent several hours with us & helped my pup to recover quickly & completely. Soon after I filed the claim I had a nice chunk show up right in my bank account -- so easy!
5

out of 5

POSTED: | BY: Lauren

great service and customer service

My hardly over a year puppy one day started vomiting blood and had bloody stool all over the house. We brought her to the vet and thankfully had her patched up by the next day. We submitted our claims and before I knew it I had a check in the mail. The nicest touch were the 2 follow up calls from ASPCA to check on my pup to see if she was feeling better after her illness. The fact that they had flagged her and cared enough to reach out meant so much to us!
4

out of 5

POSTED: | BY: Ingrid

So far it's been worth it

Over the last several years we've had three senior adopted beagles. Sadly, our first, Lulu passed on after a cancer diagnosis that we opted not to treat aggressively as she was terminal. She spent her last weeks at home under the watchful eye of our veterinarian. ASPCA insurance covered a fair amount of the diagnostic and end of life costs. Our other beagle, Lili is also a senior citizen and suddenly last year could no longer hold up her head. After a week of daily vet visits she was found to have a slipped disc and within an hour of being administered steroids she was back to her old self! Once again, insurance covered a good share of those costs. Then, a couple of months ago our third beagle, Zoe suddenly stopped eating. She ended up in the hospital for a week and had to have her gall bladder removed. ASPCA insurance paid the max per single incident for that event.For my husband and me let insurance makes sense. It is not cheap, but it has proven worthwhile for each of our three dogs.
5

out of 5

POSTED: | BY: Victoria Kennedy

Quick Payment, and Great Customer Service

I have had pet insurance for my dog with ASPCA for around 2 years. I haven't had to file a claim until recently but feel the money is well spent, because each month, I'm making a payment to the ASPCA. Who better to give your money to?I filed a claim last month, and ASPCA responded within a few days confirming a payment was sent. The amount they paid for my dog's pet visit was more than fair. I received payment within a couple of days.
5

out of 5

POSTED: | BY: Mary A.

Shot while out exploring

Our Dew is a curious cat. Whenever there is anything happening our Dew is there. He went out on a beautiful Saturday morning in mid November and didn't return. We heard gunshots in the distance, but didn't think they were near enough to be of any danger to our animals. However, Dew didn't come home for 2 days. When we finally found him holed up in our garage, we were so happy to see him, but soon realized there was a big problem. We thought perhaps he had been mauled by coyotes. We rushed him to the vet first thing in the morning where it was discovered he had not 1 but 2 gunshot wounds with the bullet still logged in his neck. The vet was astonished that the bullet hadn't hit any vital organs in his back, nor any arteries. He did however have a shattered scapula. They determined that it was really one bullet that hit him. It went in his side, skimmed upward about 5 to 6 inches, exited his body but reentered at his shoulder, shattered his scapula and logged in his neck just under the skin. They needed to treat him for the infection that had already set in and after 10 days referred us to a Vet in Albuquerque, NM 300 miles away. When we got there the Vet looked at how well he was doing and thought at first that the xrays he had received had exaggerated the damage. Upon review of new xrays he determined that the surgery must be done immediately. To leave it as it was would mean Dew would lose his front leg within less than a year. We agreed to nearly $3000.00 for

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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