ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,699

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.
5

out of 5

POSTED: | BY: Jeff Chuska

Getting Petshealth was a great move.

We got our Shepherd/Elkhound mix from a shelter when she was three months old. She had so many problems by the time she was nine months old that we thought we'd have to give her away. Then we did two smart things. We got Petshealth insurance, and we go a new vet. We purchased a medium-range policy which has been affordable for nine years now and exceptionally helpful. Petshealth has chipped in on annuals, a venomous snake bite, ringworm, a dog bite, roundworm, and tumors which put us through a cancer-scare.Petshealth's premiums and reimbursements have always been reasonable. They have always been fair and have always treated us with respect. We have upgraded our policy with a "continuing care" option which, I believe - check me on this - crosses over from one policy period to another. I would purchase a Petshealth policy again and I recommend it to anyone looking for pet insurance.
5

out of 5

POSTED: | BY: Tracy Scarazzini

A Great Help

My dog Joey was sick, I brought him to the emergency care center & they kept him overnight. I was not sure if the insurance would cover the claim since it was so new & I never used any type of insurance before. About a month later we recived a check & were so grateful that ASPCA helped with this expense. Every employee was very curtios & pleasant. Thank you again
5

out of 5

POSTED: | BY: Susannah Raulino

Easy to file claims, fast service

I have had ASPCA Pet insurance for my two cats for a few years now, and I am always surprised how easy it is to file claims and to look for information about my policies on the website. I fax in my receipts, and even with one cat fight a year, I end up getting money back, quickly and easily. I am happy just to support ASPCA, I am twice as happy that the customer service, both on the web and on the phone is always so great. And should anything unexpected happen, I have peace of mind we are covered. I highly recommend ASPCA Pet Insurance to anyone considering it.
5

out of 5

POSTED: | BY: Tom and

We were very happy with the claim responce

Mugsy had extensive dental work (that was not covered). Skin problems,gastoritis
4

out of 5

POSTED: | BY: Vicki Duvall

Bruno

I think that Aspca Pet Insurance is a good thing to have. It helps with costly vet bills and gives you a peace of mind to know that you animal has coverage that will help with the bill so that they can stay healthy. Bruno is a grey pit bull very loving has been scrathing his ears which led to a broken blood vessel. (no ear infection) allergies? a tube was placed in his ear so that it could drain which took a week but overall everything turned out great. ASPCA helped out tremendously.

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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