ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,699

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.
4

out of 5

POSTED: | BY: Michele B

Prompt processing of surgical claim

The claim was submitted and processed within prompt fashion. The level of service has been positive for my Puggle's four years as a beneficiary of this insurance. The surgical appointment turned out to be benign but it was good to know that the pet coverage covered the services. She is back to being her spunky self.
4

out of 5

POSTED: | BY: Gretchen Rednour

One Less Thing To Worry About

I have a 11 month old Boston Terrier. When my puppy was only a few months old, I decided to get pet insurance. I looked at other plans and nothing came close the the coverage and price of ASPCA. Luckily I have not had any serious accidents or illnesses (except for one incident when my puppy decided to eat part of an ottoman), but the few times I have had to get medical care for her, I didn't worry because I knew she was covered. Several people thought I was crazy to get pet insurance but now those same people are admitting that I had made a good choice). The claim process was easy and turnaround time for reimbursement was reasonable. Thank you ASPCA.
5

out of 5

POSTED: | BY: Jay

Happy with the service

We had TPLO surgery done on our dog. The surgery and recovery was difficult and long but worked out fine.We saw 3 doctors and choose the least expensive which turned out to be the best one for the money. ASPCA Pet Insurance paid for all the consults and all the charges except for a few. Although I did not agree with some of their "reasonable rates" on a couple of charges they where reasonable on 90% of the bill. I have worked in auto claims for 35 years and understand the reasons for reasonable rates. The fact that they did pay for all the consults was a show of good faith.
4

out of 5

POSTED: | BY: Linda Good

Happy I decided to get pet insurance

I took out accident insurance on my young dog and accident/medical on my old dog. Soon after the former was bitten badly by another dog and the latter suddenly became incontinenent (bowel and bladder) and later had to be euthanized. I ended up actually getting paid more than I had paid to date for their insurance. I did not question the reimbursement amount because I was grateful for the help I did get. My understanding of this insurance is that they pay 80% of the charges they approve (just like human medical insurances) not a flat 80%. Since I have not investigated reimbursements by other pet insurers, I cannot comment on ASPCA's approval of charges factor.
4

out of 5

POSTED: | BY: Chuck Janisse

Important to have

I have been in the position where I could not afford to provide the health care needed for a pet. I don't like to be in that position. Health insurance for my pets are as important to me as health insurance for myself. The ASCPA plan I have had for two years provides this coverage for my pet. I don't always need the coverage, but I feel good knowing it's there if I do need it.
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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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