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: Craig Mohamad

In more ways than one it just helps

My only complaints is it would be nice for it to cover recurring illnesses and quicker response time on claims. However, with that said I have to say I took my dog for an emergency room visit and it paid for a good chunk of that visit. Plus, the wellness package keeps me honest and current with her standard visits because I take advantage of her coverage. I also had a pet with cancer without coverage, this coverage would have helped a lot. I understand for some things it's just not enough, but I've had it both ways and I can say I would never be without pet health insurance going forward.
5

out of 5

POSTED: | BY: Judith Arndt

I was glad that I had insurance on my pet

My shih tzu had a corneal ulcer and I had to take him to an emergency vet. The cost was very high and I had two follow-up appointments with my regualr vet. All of the claims were handled in a timely manner and, although it didn't cover the whole expense, I was glad that I had the insurance.
3

out of 5

POSTED: | BY: Christopher coelho

It's ok ..

So far it's ok .. Takes a long time for claim
1

out of 5

POSTED: | BY: Andrea

Misleading!!!!

Buyer beware. My dog has been on their policy over a year; I was told that policy no longer existed and was being replaced by a less expensive, policy that offered better coverage and more options. Malarky! My dog had an operation and they came back to say that he had to wait 6 months, even though he had already been on the policy for a year. Also, the old policy reimbursed 80% of neuter, now it is capped at $75.00. Misleading!
4

out of 5

POSTED: | BY: Janet Ocasio

Overall positive experience with ins.

I think your ins. program has improved. I was surprised at how quickly I received a response. I have had your ins. for years and I am very satisfied. My only suggestion is that you review your recurring illness policy and perhaps make it more appropriate to reality-illnesses recur and/or take longer than expected to resolve, just like in people. If someone is paying ins. for years and rarely making claims, I would think that some fairness should be involved by your company.
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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.
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