ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,696

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: Barbara Young

Peace of mind with this insurance

I decided to purchase pet insurance after Ivy, one of our tabby cats, ran up her favorite tree and slipped off, suffering a badly broken leg. The ER and vet bills were steep, but we paid up because Ivy is a member of our family. Since then Ivy has used up a couple more of her "lives" requiring ER visits and ongoing veterinary treatment. On each of those occasions, I submitted her bills to ASPCA and have been very satisfied with their response and reimbursement. I highly recommend this insurance for anyone who loves their pets and doesn't want to be faced with a tough decision about their care options in the event of accident or illness.
4

out of 5

POSTED: | BY: William Harvey

Possible liver problem

Routine blood work revealed raised liver enzyme. No symptoms so an exray was done which showed liver OK but enflamed bowel was detected. Our dog was completely unsymptomatic , however, a number of medications were prescribed which we purchased and administered. The liver enzyme is greatly improved and no intestinal problems now. Our claim was handled promptly.
5

out of 5

POSTED: | BY: Tom

Good coverage

I have had ASPCA Pet Insurance for 6 years. I only have had to use the coverage one time for emergency purposes. All other times have been for regular visits to the vet for my one cat and one dog. I believe it is worth having the coverage as it only takes one expensive emergency visit to pay for itself. The service is easy to use and reimbursement is usually quick. I recommend ASPCA Pet Insurance.
4

out of 5

POSTED: | BY: Karen Beas

It is good cause organization.

My cat is fairly young and seems to act like an alley or scaredee cat! He is a tabby that gets beat up by another cat or a raccoon. He has come regularly with cuts or scratches that turn into abscesses. He has had one across his head, back , leg, stomach.... Thank goodness after his first cut I thought about insurance. He is lover cat that likes to wander. He reminds me of a court jester. I have been pleased with the handling of my claims. They are timely-except I never received the last claim check and had to wait and get they said a second check. I think the coverage is great. Also I was a little surprised that the last claim was paid lower than the first claim and I tried to talk to someone about it but it didn't make sense. I didn't want to push it but the injuries and treatment were identical but some of the claim was disqualified.
4

out of 5

POSTED: | BY: AL

Great Insurance

We had a very good experience.

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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