1
out of 5
POSTED: | BY: Al
Horrible
Did not follow through with promised coverage. Total scam
4.5
out of 5
Number of reviews 11,699
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: Marie Wilson
Decisions
We once owned a little sweetie named Daisy. Daisy was a chihuahua and in her seventh year got lymphoma a type of cancer. We spent thousands on her care and it would have been nice to have insurance. Now I am one of two mothers for CoCo and when we got her I said " No insurance, No dog" We have already saved money. It is easier to come up with monthly charges than thousands once your Little one gets sick
5
out of 5
POSTED: | BY: Jeff Dutka
ASPCA insurance testimony
ASPCA insurance provides me with peace of mind in the event that my dog needs serious medical attention. My plan provides coverage for basic sickness and/or injury (above and beyond the modest deductible) and the reimbursement process is fast and easy. I will always have insurance for my pets and because of the great work that ASPCA does across the board for the welfare of animals, I will always use them. The only downside is the pre-existing condition clause. I hope I never have to worry about it but if for some reason my dog needed treatment over an extended period of time, I worry that the financial burden could be significant. If there was at least a way to ease that burden on the front end for being a loyal customer, that would be great. But other than that, I couldn't be happier or more confident in an insurance plan for my little Buddy (that's his name).
5
out of 5
POSTED: | BY: phil errichiello
Very good wellness protection
After spending thousands of $$ on my Golder retriever and her hip dysplasia I wanted to protect myself from these unexpected high costs. So I insured my yellow lab with the ASPCA pet insurance using the Premier plan which also covers the wellness visits and includes medications and flea & tick prevention. SO far my lad is going to be 8 and has not had any high cost problems. Actually I hope that continues into his senior years.
3
out of 5
POSTED: | BY: Richard Burkett
Experience With Claim
Have an elderly Miniature Schnauzer that ended up with vestibular disease and an ruptured eardrum. The claims have been processed quickly. However, am troubled that once her policy renews anymore ear problems look like they will be treated like a preexisting condition. Unlike people policies where if your plan renews such items are not treated as preexisting and would be covered.
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.