ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,840

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.
3

out of 5

POSTED: | BY: Phyllis Micahnik

Reimbursement is exactly as promised.

Rocky is a 13 1/2 year old Standard Poodle. We just purchased pet insurance last year. He was pretty healthy at that time. Since then, he developed Degenerative Myeopathy We submitted one claim, and it paid exactly as promised. I thought each claim had a $100.00 deductible,but an agent told me that that was only once a year. I wish I had purchased this long ago. Several years ago, he developed Canine Bloat at 2:00AM. Thank heavens the emergency vet saved him. The bill was almost $4000.00. That wouldn't have hurt nearly as much if we had an ASPCA policy in effect. I have found the agents to be wonderful, and they know their stuff. I would never be without pet insurance again. Peace of mind is reason enough to buy this product.
5

out of 5

POSTED: | BY: Jerri Pina

ASPCA

good coverage.
5

out of 5

POSTED: | BY: Daemon Woods

Very Glad to Have ASPCA Pet Insurance

When I had two puppies, the vet bills were quite high. Now that I'm down to one dog, the costs have been cut in half, but it was still great when a friend referred me to ASPCA's Pet Insurance. While it doesn't cover everything (like boarding during summer trips)it does help out by reimbursing some of the costs. And the monthly fees aren't too high either.
5

out of 5

POSTED: | BY: Libby Guida

Very happy with insurance

Our dog, Bailey, was vomiting and hardly eating anything. The vet performed many tests, did xrays and untrasounds, then finally exploratory surgery. It was determined that Bailey has Inflammatory Bowel Disease; she's fine now as long as we feed her the most expensive dog food in the store! Anyway, this was a very expensive experience and our claim was for over $3000. The representatives on the phone were knowledgeable and helpful. Our claim was received and processed promptly without any complications. Overall, it was a very easy, professional process and we are very happy with this insurance.
5

out of 5

POSTED: | BY: Heather Smith

Everyone needs pet insurance

I've had ASPA pet insurance for 3 years and swear by it. My boxer is very prone to getting himself hurt and sick. I got my dog in college and would have been completely broke without it. When my dog got heartworm the heartworm preventive provider said they wouldn't help us pay for the expensive treatment. Thankfully our Level 3 APSCA coverage helped us pay for most of it with no problem or questions asked.

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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