ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,718

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: Jere

Peace of mind

I've used ASPCA Pet Insurance for my two pugs for the last four years. Fortunately, other than the wellness benefits, I have not had to summit claims for any major medical. It is great to have the peace mind knowing that if I needed it, the insurance would be there. The claims process is fast and efficent.
5

out of 5

POSTED: | BY: Steven Goeser

No worries!

I have been greatful I have ASPCA Pet Insurance. My Brittany became very sick over the July 4th Holidays and I took him to two animal hospital that weekend fearing for his life. Not once did I worry about the monry for his care I just did what ever I need to do to insure that he got his needed care. I knew in the back of my mind that after I met the deductable that 80% of his bill would be covered, which it was. Thank you for saving Lucky's life.
4

out of 5

POSTED: | BY: Connie

Glad to have the ASPCA pet insurance

I purchased the insurance for my 2 adopted kittens 3 years ago because I've had pets in the past that had their share of troubles and always had to foot the entire vet bill which was financially difficult. Recently one of my cats had a rather strange problem in that he ate a plastic grocery bag and it, of course, resulted in an intestinal blockage. It also happened over a holiday which required a stay at an emergency vet clinic. Having the ASPCA insurance gave me peace of mind that I could get him the care he needed to recover. I didn't get 100% back, but it certainly was worth the monthly premiums. My claim was handled quickly, and the reimbursement explanation was thorough and easy to understand. Thanks, ASPCA!
1

out of 5

POSTED: | BY: Andre

They really don't put any effort on reimbursing yo

I filed a claim and it's been over a month and no reimbursement. I called before taking my dog to the vet and confirmed everything was covered under my policy... and still is. Everytime I call them they say they are pending the vet's report but they never actually contact my vet to request it (i confirmed if they had the right phone number and everything). One week later I call again, and they say the same thing... two weeks later I called and they say the same thing. I don't want to be mean or anything but how hard is it to call a vet, get the info and match against the policy and cut a check? is that a 2 months + task? I can't see how this can be. =( I will definitely find another pet insurance after this claim.
5

out of 5

POSTED: | BY: Carol

Don't go without it

In my years as a pet lover and owner I have just seen so many situations that could have been so much more stressful had the costs been more of a factor of care. Snakebite has cost friends over $2000. My basenji/ border collie mix had so many health issues during her lifetime including bone cancer. Unexpected illness or injury are just less stressful having insurance to help the costs!

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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