ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,792

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: 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.
5

out of 5

POSTED: | BY: PEGGY HARVEY

no problems or questions fro ASPCA

BESIDES A SURGERY ON LUCY'S EAR ($800 WORTH), SHE HAS HAD PROBLEMS WITH HER EYES AFTER BEING GROOMED. ONCE WAS A HAIR THAT SCRAPED HER CORNEA AND ANOTHER TIME WITH SOAP IN HER EYES. ASPCA FULFILLED THEIR PROMISES AND WERE TIMELY IN SENDING ME A REIMBURSEMENT. (FINALLY, I'M CHANGING GROOMERS).
5

out of 5

POSTED: | BY: JoAne

Yorkie with Staph Infection

My poor baby boy Petey had been licking his feet for over a week and I noticed thatthey were red and irritated, I brought him to my vet who gave him meds, a foot bath, and other items needed.. the vet bill was almost 600.. and it was the first of the month and I needed to pay my mortgage. I called ASPCA pet insurance to see if they could rush my claim and I got my remibursement in two weeks and was able to make my mortgage payment on time.. Thank you ASPCA.. I recommend you to all of my friends.. now exactky a month later, my dog was attacked by a pitbull and I had to file another claim ... They make things so easy
5

out of 5

POSTED: | BY: Felicia Silverman

Good coverage

Good coverage and prompt payments when making claims.
Please leave a review

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.
Provider website

Get a quote today

Leave a review