ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,866

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: Betty

Thank goodness for ASPCA Insurance!

We had another boxer and spent MANY $ on his health care. We had not heard of pet insurance at the time. With this dog we, fortunately, bought insurance when he was a puppy. We almost didn't, thinking what are the chances of getting TWO dogs with health issues. We have been very pleased with the company. One thing I would like to see is the inclusion of partial coverage for dog food that is prescribed by the vet that is needed to sustain the dog's health as it is VERY expensive.
5

out of 5

POSTED: | BY: wanda decca

Happy to not worry

My Duchshund, 8 years old had some back injury and a hernia surgery. I was so relieved to know that I can treat her without worry. It is pace of mind to know that I have her covered and that I can go to the vet anytime she needs. Claims have been processes in a timely fashion without any headaches or extra work from my part.I am very happy with this insurance and I recommended it to all other pet owners.
1

out of 5

POSTED: | BY: Sarah Hart

Nor Worth the Money

I have had ASPCA Pet Insurance for 7 years. My dog is 13 and the older she gets the more health problems she has and some of them are ongoing conditions. ASPCA will only pay for one disease and one occurrence. She had a blood test 2 years ago which showed elevated levels in her liver, she never had any treatment or diagnosed with liver problems. However, since her levels were elevated they will never pay for another blood test nor matter what the reason. She also showed a mitral valve problem two years ago but no treatment or medicine required. However, since she was diagnosed with the mitral valve problem they will not pay for any treatment of Congestive Heart Failure and the chronic Bronchitis she now has. She has never been diagnosed or treated for Congestive Heart Failure or Chronic Bronchitis before, however, ASPCA will not cover either of these illnesses or treatments. They will not cover any of her medications. So if your dog or cat has a thyroid problem which cannot be cured forget it they will pay once but never pay for the meds again. I have the proof. Don't buy this insurance they will leave you high and dry.
4

out of 5

POSTED: | BY: LAURA

Very Satisfied

Other than not covering recurring illness I am pleased with the insurance and the service of the personnel.
5

out of 5

POSTED: | BY: Karen

Would choose ASPCA pet insurance again!

I had never had pet insurance for any of my dogs growing up (golden retrievers). After seeing a family members dog pay over $3,000 to diagnose a bloody nose, we decided to get pet insurance when we got our dog. I had done a lot of research (about 2-3 years ago) on all different pet insurance, because obviously we wanted to get the best care for our money. We went with ASPCA, and are so happy we did. Our golden was diagnosed with cancer about 5 months ago, and boy did that pet insurance come in handy when it came time to pay vet bills. We had questions a couple times about the insurance/ filling out the claim form and the staff at ASPCA were very helpful. Unfortunately the cancer treatment did not work and our dog passed away about a month ago. We contacted ASPCA to end our insurance with them, and they brought to our attention that because we had the continuing care we would be reimbursed up to an additional $1000 for medical expenses. I thought , what integrity! They could have waited for us to ask about it. We were obviously upset about the loss of our dog and probably would have forgotten to even inquire about any further reimbursement. I like that they reminded us about it. They even sent a sympathy card to us...all touches to just show they really care. When we do get another dog in the future we will definitely go with ASPCA insurance and would highly recommend them to others.

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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