ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,789

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: Martin Zisser

If you love your pet, get it ASOCA Health Insuranc

I and my wife bought our first pet a few years ago. We never had one before and everytime she cughted or did not want to eat, we took her to the Vet. Health costs for pets, in some cases, is higher than for Humans. We knew that we had to take care of the animal we took on the responsibility for and love, so we decided to get pet insurance. We bought ASPCE Health Insurance and are very happy with it. They reimburse quickly and are fare. If, God forbid, our pet gets very ill, they will not drop her but pay up to the amount that is covered by the policy. Thank God that she is still a young and healthy dog, but when the day comes, just like Humans, she gets older and needs more medical help, we know that we will be able to afford it.
4

out of 5

POSTED: | BY: Mary Pressley

Very good coverage.

My dog is 7.5 years old. I got level-4 ASPCA coverage when he was young, and I'm very glad that I did. My dog has had a few health issues, including a respiratory infection and an eye infection. The claims were settled quickly and to my satisfaction. My vet charges more than the usual and customary fees allowed by ASPCA insurance. On average, I am getting back 50 - 60% on all claims, which is pretty good. The cost of the insurance is reasonable, and gives me peace of mind.
5

out of 5

POSTED: | BY: Margery Tabb

very helpful

Cayenne had a bladder infection and pre-diabetic condition due to steroids she was on for a skin problem. After several lab tests and change of meds, she is feeling better and blood sugar level is normal. Hopefully this will remain the case as she is no longer taking the Medrol and is on a lower carb diet. Insurance really helped defray the cost of all of this.
5

out of 5

POSTED: | BY: Dennis Mahn

Insurance to the rescue

With our kitty having a persistent urinary infection, the cost of keeping her healthy was dipping into our monthly budget. Thank goodness for the reimbursement by ASPCA Pet Insurance. They are so timely in this reimbursement, we don't even miss so little budgetary output. Thank you ASPCA Pet Insurance !!
5

out of 5

POSTED: | BY: Cynthia Neiman

Satisfied

When Taco got a severe bladder infection, I rushed himto my Vet. It took 4 to 6 weeks of medication to get him back to normal. I was so glad to see him healthy and back to his old self again. I was also very grateful I had his ASPCA insurance to fall back on to cover a great deal of the expenses to get him well. I don't know what I would of done without his pet insurance to help cover the costs. Taco is a big part of the family and we would all hate to lose him.

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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