ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,965

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: W. Harvey

An honest and efficient insurer

I subscribed to ASPCA Pet Insurance after multiple extremely poor experiences with one of the other major pet insurers. A friend who had similar experience as I with that former insurer also switched to ASPCA. We are both extremely happy and satisfied with ASPCA. Their support staff is knowledgeable and courteous. Unlike my dog's previous insurer, every claim is not first rejected and subsequently honored after the rejection is protested. The terms and conditions set forth in their policy are understandable and adhered to. I do think some of their reimbursement limits are on the low side but they are what I agreed to when I bought the policy. I heartily recommend ASPCA Pet Insurance for their honesty, integrity and caring to anyone seeking the peace of mind such insurance gives.
4

out of 5

POSTED: | BY: Sharon

pleased with payment

my lhasa apso had an abscess in his mouth. since this required anasthesia, we decided to have his teeth cleaned at the same time,in order to avoid another anasthesia in the near future for a 14 year old dog. We were very pleased at the "division" of the payment as between covered and noncovered items. The items that were covered seemed more than fair to me.
5

out of 5

POSTED: | BY: Beverly Whitlock

Peace of Mind

My "baby" is 7 years old and generally in good health. We purchased ASPCA Pet Insurance for peace of mind. In a 6 month period we had to have her treated for an abscess, followed by a fungal skin infection, followed by an ear infection. We had to take her to an Emergency Animal Hospital for the abscess on a weekend so was costly. Fortunately, the ASPCA insurance covered a good portion of her bills. With this insurance I don't have to think about the cost first - I can just take her right away to have her treated. Filing claims and reimbursement are fast and easy. I wouldn't be without this insurance for my "baby".
5

out of 5

POSTED: | BY: Nina Dusedau

Thank Goodness!

Thank Goodness for ASPCA Pet Insurance! Insurance-It is painful to part with $ every month that you feel you are just giving away, until you have the occasion to have a series of smaller claims or one big one. The first time I heard about pet insurance our first dog was older, but I had every confidence he would live for 8 more years. By the time I was ready to apply to ASPCA insurance, we found out he had liver cancer and died within a few days. That was a very, very, very hard time for our family. The bills incurred were also a huge shock! We soon decided our lives were not complete without a dog to love in our home. But this time, I was wiser, and signed up with the ASPCA Pet Insurance immediately. It is important to know that the pet insurance does not get activated until 30 days after you purchase it. Unfortunately our new puppy got sick under that time limit and we incurred a huge bill at the Vet again. But, I am happy that we have had coverage ever since, and unfortunately for our pet and for us, he has been ill multiple times and we have been happy to have our coverage!!! I suggest ASPCA Pet Insurance as a must to my friends and family who are getting a dog. It is no longer so painful to pay our monthly pet insurance bill, as we know that we have it there if we must use it. Just like there is a comfort in knowing we are lucky enough to have health insurance.
5

out of 5

POSTED: | BY: Joellen Slavik

Financial support during a difficult time

Very thankful to have ASPCA pet insurance for several years. Have had occasion to use it during this past year, and it is very fair. Simple to process claims. Very helpful. Reps also helpful when called. Highly recommended.

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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