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: Susan Venema

So Grateful for ASPCA Insurance

My dog, Bodhi, is almost three years old. for the first time, I decided to get Pet Health Insurance. I reviewed several, and ASPCA was the best fit for me. I have been so pleased with the response I have received. Customer service has always been helpful, patient, and friendly. I did have a large bill for knee surgery and my insurance plan paid a large portion of the bill. On smaller claims, I always get a fair reimbursement in a timely manner. I expect that I will always have ASPCA insurance for any pets I may have.
5

out of 5

POSTED: | BY: James Carlson

Help for Gigi's broken ankle

Our standard poodle Gigi suffered the canine equivalent of a broken ankle while running with a friend in the park. It required surgery to repair and fuse the lower part of the ankle (partial tarsal arthrodesis). Our ASPCA coverage helped greatly in covering the expenses of the surgery and the followup during the 10 weeks when she had to be in a cast and then a splint. We are so glad we have ASPCA insurance.
5

out of 5

POSTED: | BY: Leslie Martin

CAssie's Care

We have been w/Pets Health for years and had nothing but, courteous, times and helpful responses from staff. We have been through some tough orthopedic times in the past 5 years, but our girl, now 11 a Boxer-Shepherd mix Therapy dog has fared extremely well, thanks to VCA's marvelous staff. That Pets Health has been there to ease the financial strain has made3 our journey so much easier.
5

out of 5

POSTED: | BY: Richard Bogert

I think ASPCA Pet Insurance is the greatest thing!

Let me start we have two English Bulldogs. And they can get pretty expensive when it comes to vet bills. I am there so much me and everybody there are on first name basis. But is nice getting something back from the insurance co. It helps for the next time we need to go to the vet. So far we have had good luck with ASPCA Ins. so far. They are very easy to deal with. And having them there six days a week also helps if you have any questions.And the customer service people are so nice as they can relate because they all are pet people. And there is nothing better than people that understand what you are going through.
4

out of 5

POSTED: | BY: Lara

Worth It

I was somewhat skeptical about whether pet health insurance was "worth it," especially for 2 young, relatively healthy cats. However, when one developed a serious breathing problem, the costs of testing and medication quickly added up. I was nervous that I would have to fight to get the costs covered, but ASPCA Insurance covered a large portion of my costs. The process was quick, easy, and everyone I talked to was very helpful. It is so nice to know that I do not need to compromise on my cats' heath care because of concerns over the costs of procedures.
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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 Insurance detail
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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