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: rae gonzales

aspca animal health insurance

I have three dogs gigi,coco,biscuit and right now i have the two older dogs with aspca.MY gigi girl has been sick and hurt a couple of times sinces i got this insurance and let me tell you knowing that i have insurance i don't hesistate to take them to vet. the first time i waited to see how it work and i couldn't belive how much i was getting back and after i called couple of times and was explain my insurance i was glad i had it.this last time gigi got sick it was sudden her eyes were covered in catracks and i was truly scared for her. i didn't think twice about taking her and when the vet said we should do this to make sure it isn't something worse i knew i would get so money back for her.Im so please i will be putting my third one on. i have even told all of my friends to get this for them it helps alot.
5

out of 5

POSTED: | BY: Terri

I am happy I switched to ASPCA

Mugsy is a 7 year old puggle. Starting in January 2012, he began to put on weight and was less active than he had been. I took him to the vet and had blood tests done to see if he had any medical issues. Thankfully, he was healthy, just ate alot. He is now on Slentrol and has lost 6 pounds since starting the medication. The claims were submitted through my vet and I like being able to monitor the claim. I have found ASPCA pet insurance to be better than the other insurance I had previously had for Mugsy.
4

out of 5

POSTED: | BY: Jim Lev

Dental insurance

Our cat has developed gingivitis. the ASPCY insurance is not covering ANY dental issues ACCEPT: a BROKEN Tooth, which needs to be extracted. But this is an interesting caveat, because, a gingivitis procedure requires almost the same procedure as the tooth extraction (anesthesia and surgery). In our case,as we found out during the gingivitis procedure, the cat had to undergo the extraction of 3 additional teeth, which were decayed. Since the broken tooth was covered, and the anesthesia was covered, we ended up getting a fair amount of the whole procedure covered. It would be great if ASPCA insurance would cover all dental issues aside from cleaning.
5

out of 5

POSTED: | BY: Harvey Laidman

Glad to have it

As Rosie gets older, we seem to spend much more time at the vet. Those visits are expensive and the insurance check takes some of the "sting" away. The cost is reasonable and the coverage sufficient.
4

out of 5

POSTED: | BY: Martha

Pays for itself

I'm happy to have the insurance...even with a young, healthy dog issues arise...my dog is 4 and each year, we've received more reimbursement than what we're paying for the policy.

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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