ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,864

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: Karen

Nightmare

While it doesn't cover everything, it sure is nice to know that some of the bills will be paid! Nightmare had a $2600 dental bill, and you guys at least helped put a major dent in the cost! He says thank you because he's his cuddly deranged self playing without pain- and he just celebrated his 10th birthday!
5

out of 5

POSTED: | BY: Carol Clow

Peace of mind knowing it's there when I need it

We all know how expensive medical bills can be if we don't carry insurance. I've never had pet insurance before but always knew it is something every pet owner should'nt be without. After having to go to the Vet a few times and paying the enormous bill, I figured it was time to look into this. Due to the age of my Boston Terrier (12), ASPCA was the only provider that had reasonable rates. As a matter of fact, other providers wouldn't even accept her because of her age even though she has never had any serious illness or accident. However, now that she is getting up there in age, I fugure something serious will eventually happen. About 4 months after I got the insurance she had a shoulder injury, The claim process was very simple and quick. Even though I carry the higest coverage with the highest deductible, that one visit took care of that deductible. Now, if she has to be seen again this year, I have "peace of mind knowing it's there when I need it" and, 90% of any furture bill will be covered.
5

out of 5

POSTED: | BY: jose

Another Sastified Customer

It's sad for me when my pet insurance is better than my health insurance that pretty much says it all!
1

out of 5

POSTED: | BY: EVE DANN

Buyer beware--not what you'd expect!

Scoundrels! I began a policy for my dog in 2006. He tore his ACL on March 17, 2013 and had surgery on Mar. 26, 2013. It just so happened that the plan year for his policy renews annually on Apr. 15, 2013. Because of this date being 19 days after his surgery, ASPCA denied coverage of medications prescribed at his follow up appointments, saying tht it was now a pre-existing condition and none of his further related expenses would not be covered for another 180 days following surgery date. Just when you need them, ASPCA Pet Health Insurance will duck and weave and deny coverage-- blaming you as the pet-owner for not being smart enough to read all their emails and purchase a special endorsement that would have filled in this big loophole the wrote for themselves in the original policy. Honesty and integrity means nothing to these people.
4

out of 5

POSTED: | BY: Alicia Miller

Thank you

it was great I had a very nice rep call and ask about my pet , to see how he was doing and if I needed any more help ; I wish my reg ins would do that .Thank you

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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