ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,660

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 13
  • 44
  • 11,660

Updated: May 29, 2024

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: Paula Bickel

Excellent Customer Service

Every time I call ASPCA not only do they answer the phone, but they are very helpful. They always take the time to answer my questions. As far as my pet goes? She loves ASPCA! She is so happy that they help her mom pay her doctor bills. The insurance is a very good deal especially when you dog gets older and needs more care.
5

out of 5

POSTED: | BY: Carole Mascari

Do Not Wait: Protection You Can Count On

I am assured that my two kitties will receive the medical attention they need, when they need it, because I have ASPCA Pet Insurance. I maintain peace of mind knowing this. ASPCA provides a full range of benefits, and I recommend ASPCA insurance to everyone! Moreover, claims are handled fairly, with quick payment.
2

out of 5

POSTED: | BY: Ellen Richter

disappointing

I am disappointed with Petshealth for seveal reasons:1. While my policy covers 80% of reasonable and customary expenses, I wind up with roughly 50% reimbusements. Your "reasonable and customary" values are not representative of fees in the NYC area. 2. Your policy of classifying any chronic disorder as a pre-existing illness when a new policy year begins is not humane! You consider pets to be property; policy holders consider them to be family. When you finally offered coverage for illnesses that begin in a previous policy year, my dog was excluded because of her age.
5

out of 5

POSTED: | BY: Patricia Payne

fair and square

Our two North African mixed breed dogs and our three Tunisian very mixed breed cats accompanied us to California where we wisely signed up for ASPCA after looking at choices. Now we are left with Baby and Tiger, who like their "care-givers" (us) have become elderly, creaky and cranky. Baby was recently hospitalized for a severe eye infection, and was found to have abscessed teeth requiring removal, and several other less serious ailments. Confused by the reimbursement procedures, I was able to get advice from ASPCA by telephone and found their explanations precise & fair.
5

out of 5

POSTED: | BY: Pasquale and

Ivan and Addie - Best Friends!

We had a male cat name Ivan. He was about 22 lbs, gentle and generally ignored by 3 other female cats. As time passed, Ivan at 14 years, was our only cat. We did not have pet insurance at that time, and when Ivan developed diabetes we had huge bills. At about this same time, we adopted a lively, 3 month old female we named Addie Joy. We had our minds made up that we would enroll her in ASPCA Pet Insurance because we never know what the future will bring. Addie and Ivan were instant friends. He had waited so long for a friend and she loved him like an older brother. Addie kept Ivan active and he taught her not to bite or scratch. For three years they were inseparable; we marveled at the tenderness they exhibited for one another. When Ivan died, we observed an immediate change in Addie: she wasn't eating, was lethargic, cried and paced the house looking for Ivan. That was sad enough, but she was not responding to our attention or pleas to eat. We visited a vet who specializes in felines and were told about pet grief. We were grieving and so was Addie. We kept on inviting her to play and eat; in a few weeks she slowly came back to her playful and opinionated self. Without insurance, we might have ignored her symptoms, not had a check up or consultation on how cats handle loss and how to support recovery. We know that whatever happens in the future, we will do our best for her, as we had done for all our pets, but we have the assurance our budget will never cause us to think twi

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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