ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,860

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: DENISE HAYES

the best pet ibsurance on the planet

MY DOG HAS HAD DIGESTIVE PROBLEMS AND MY VET IS IN THE PROCESS OF CHECKING FOR ALLERGIES , INFLAMMATION IN THE INTESTINES TRYING TO CURE THESE ISSUES THIS INSURANCE IS COVERING ALL COSTS, SCANS, X-RAYS AND ALL MEDS QUICKLY PER MY POLICY VEY HAPPY WITH THE WAY ALL QUESTION AND CLAIMS WERE HANDLED. PREVIOUS EAR PROBLEMS WAS HANDLED QUICKLY AND WITH GOOD RESPONSE ON RETURN FUNDS.
4

out of 5

POSTED: | BY: jim l

glad i'm insured

i've been a petshealth client for years so i'm happy whenever i have a need for coverage. i only have "basic" coverage, so it only kicks in for something unexpected.
5

out of 5

POSTED: | BY: Sophie Scott

Thank you, ASPCA Pet Insurance

Very professional, proficient and excellent service for the money. The coverage I purchased for my cat has been well worth the money and has given me peace of mind. Thank you, ASPCA Pet Insurance!
4

out of 5

POSTED: | BY: Lisa

Like these plans

I have three cats who are covered under this insurance, and I am thinking of adding my dog as well. The level of customer service that ASPCA Pethealth provides is great. The time to reimbursement has slowed down within the last year, but it is still relatively prompt. I do wish that they had coverage for pre-existing conditions, as I have a chronically ill cat who requires quarterly blood work, etc. in order to manage his disease. I will return again and review once I have read over their new policy coverages and limits.
4

out of 5

POSTED: | BY: Marilyn Minnii

I was glad I had the coverage!

After going on vacation and leaving my dog Maggie with a neighbor, I came home to a sick dog. She had diahhrea and was very lathargic. We took her to the vet and she x-rays and an ultra. She also needed to stay overnight at the vet to be on intravenous. As you can imagine, the bill was huge. Luckily, my dog was diagnosed and cured. She had pancreatitis. At least it paid for a good potion of the bill.

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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