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: Cheryl Woodard

Very thankful!!!

I volunteer at our local Humane Society and although it's very hard not to bring everyone home with me. I adopted this little scared Beagle mix on Mothers' Day 2012. He suffered a neck injury in March, 2013. I was afraid his injuries would result in paralysis. I had to rush him to the Veterinary Hospital. After several tests, his injuries were not threatening and 2 months of extensive medical care at home, he has improved and pretty much back to normal now. His vet bill was nearly $2600. Thank goodness for ASPCA Pet Insurance!!!! They handled my claim in a timely manner and were truly caring!!!They even called a couple times to see how my little guy was doing!! Thank you for caring!!!!
5

out of 5

POSTED: | BY: Delia Miklovis

Wonderful Safety Net!

Vet bills can be very, very expensive! I recently submitted two claims for my beloved cat, Pepper. It is so easy to do, especially if you have home fax capability. ASPCA's response time was great and I was amazed to actually receive a phone call to let me know my check was being processed, and on it's way. I found the representatives to be most polite and charming to speak with. What a very nice customer service experience! I am very glad I signed up for this insurance. Thank you ASPCA. What a wonderful organization you are!
5

out of 5

POSTED: | BY: Rebecca

Great coverage

My dog developed a very bad cough and it cost us thousands of dollars treating her. We were able to get about half of the vet costs back which was incredibly helpful. The customer service I received from ASPCA was really great.
4

out of 5

POSTED: | BY: Maureen Pisani

Good to Fair Response to Claim

Our hound mix, Spike, was poisoned by another dog's meds at the beginning of the weekend, when my normal vet was unavailable for the emergency. By the end of the weekend, we had a $2,500 claim, and fortunately the emergency vet was able to save him with guidance from the ASPCA poison control hotline. After the deductible and deductions for items charged over the 'usual and customary charges' - about $200 excess, we recovered about $1,650, not counting the charge for their own poison control call (which they could not verify until I sent in the credit card bill, even though it had their own case number on it). The rest of the claim was handled quickly. Still, it was valuable to know that most of the event was covered and made it easier for us to make the best decisions for his ongoing care. We'll certainly keep this insurance.
5

out of 5

POSTED: | BY: Toni Peters

Quick response time

After experiencing a serious illness with no insurance for my pet I was afraid of what other expenses might come up so I chose a plan with wellness included and gives me great peace of mind

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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