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.
5

out of 5

POSTED: | BY: Chris Meade

Excellent medical coverage

I have 3 policies for my three dogs and have had them for 4+ years (depending on when I rescued each dog). My older dog developed Cushing's Disease about 8 months ago and the medical bills have been very high. ASPCA pet insurance has reimbursed me as promised and it has helped me so much to care for Missy. I never have to compromise my decisions regarding her care because of money. I am confident that 80% of allowable charges will be reimbursed (after the deductible)and that helps so much. My second dog has had some joint issues, a UTI and a skin infection. Again, what was promised in the policy (Level 2) was reimbursed. I have not had to use my policy yet for my newest rescue, but I am sure I will at some point in time. I would NEVER be without this insurance.
4

out of 5

POSTED: | BY: gary

worked great

had no problems when our dog needed to go to the vet. hospital. sent us a check within two weeks.
1

out of 5

POSTED: | BY: Brian Gottlieb

NOT RECOMMEND

Our dog has UTI and she has been continue giving care and it costed us several hundred of dollars for testing and medications. However, every time we submitted the claims we only get pay less than $20. We've met our deductible ($100) for a year. ASPCA still charge for continuing care for another $100 for a deductible so this last claim we got paid for only 80 cents. They hardly cover anything for your pet. I would NOT RECOMMEND ASPCA pet insurance to anyone.
5

out of 5

POSTED: | BY: Andrea

Saved $1200 on Jake's latest health problem

In general I've been glad I have had pet insurance. They are still probably making a profit (which is fine), but on big ticket items I have definitely gotten reimbursed substantial amounts of money. The last claim was for $2,000, which I received $1,200 back. They pay in a timely manner with good explanations of what is covered.
5

out of 5

POSTED: | BY: Heather Sink

Pet Health Insurance

We decided to take out insurance with this dog because our previous pet had needed expensive surgeries.
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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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