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: Erika Farmer

Great Investment with Multiple Pets!

ASPCA health insurance is affordable and competitive. That is why we picked it for our large family of furries. We have 2 dogs and 2 cats. We have been able to afford great coverage for all of them with ASPCA. It is great to know we are helping a good cause at the same time. The insurance for all 4 has more than paid for itself, especially as our babies begin to age. Thank you ASPCA!
4

out of 5

POSTED: | BY: Liliane Petersen

My experience with ASPA Insurance

If I add the deductable plus the yearly fees, the reimburst amount is much lower than advertized, as in this claim, which cost me near 1000 dollars (including tests) before the procedure. I find that all the personal I spoke to very pleasant and comforing, and I am glad that I have joined, just for peace of mind. My dog Bijou had 2 teeth extracted, with abcesses, as a piece of cactus lodged in his gums, and caused his problems.
5

out of 5

POSTED: | BY: Angie Duckett

Love having Pet Insurance

I love having pet insurance because it's there when you need it. I love the new coverage because they reimburse you for wellness visits for new puppies prior to fullfilling the deductible. I've had ASPCA Pet Insurance for over 8 years and when one of my dogs needed a blood tranfusion...it really came in handy!
5

out of 5

POSTED: | BY: Gary Hildenbrandt

I was very impressed.

I submitted all relevant papers according to a claim and I didn't have to go through a bunch of red tape. ASPCA came through for me during a very frustrating time when my dog was going through difficult times.
1

out of 5

POSTED: | BY: Stacey

Scam Artists

My dog was very sick and vomitting constantly. I took her to the vet and he did x-rays on her and noticed she ingested a metal staple. This occured on December 26, 2011. The vet didn't want to immediately do surgery on the dog (which would cost over $2,000) so he instructed me to give her plenty of bread and milk to hopefully surround the staple and make it pass through her safely. We need to go back for a follow up visit on January 3, 2012 to make sure the foreign body passed through. He did an x-ray and thankfully the staple passed through. No surgery needed. NOW here we go.... ASPCA covered 80% of "allowable" costs for the visit in December. But ZERO for the visit in January because it was a pre-existing condition. What was I supposed to do - put the dog in surgery right away so it won't be a pre-existing condition in 6 days?? It was a follow up vist and cost me $700 and I got zero reimbursed. Needless to say I cancelled my policy and went to Pet Plan Insurance. Sneaky sneaky sneaky.

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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