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.
5

out of 5

POSTED: | BY: Carol Swanson

Thank you for being there!

We adopted Lindsay in Aug '08 from a shelter mid state who had advertized she and her sister (both Chow-Shepherd mix) for adoption. they were about 4 months old. We applied ready to take them both but in the meantime the sister had already been adopted. In spite of having raised 6 other puppies through adulthood and old age, we have found each to be an individual in behavior, attitude, inventiveness and yes a variety of health issues.As medical treatment gets more expensive and you just can't anticipate the unexpected. This is the only dog we have had insurance to help us out with and find that comfort without measure! This issue was skin infection, first claim a year or so ago was embedded foxtail in her groin.Both times you have been thwere to help us out!
5

out of 5

POSTED: | BY: Bunny Parlitsis

The best investment I ever made.

I decided on insurance for my new puppy after my previous dog died from melanoma of the mouth. I spent thousands on her ,but unfortunately I lost her anyhow. It is two years today 8-11-11 that she is gone.
5

out of 5

POSTED: | BY: Ruthie Voluck

My pet's love deserves the best care

My little 5 lb. Maltese is a certified comfort animal for me. He knows when I am anxious and he calms me down. When he has illness (fever, infection from thinking he's a hunting dog, stomach problems), it's wonderful to know that his ASPCA insurance will help pay the bill. He has had to spend nites on intravenous twice and the charges have been reviewed fairly and promptly. My appreciation goes to ASPCA .
1

out of 5

POSTED: | BY: cdk

Worthless!

I had it for my 3 pets...they deemed everything as pre-existing (which they were not) and wouldn't pay a dime. It cost about $1000 for the year and it was money poured down the drain!
5

out of 5

POSTED: | BY: Janet Packer

Glad we have it

After having 2 cats with many medical problems and no insurance, we adopted our Lhasa Aspo, Lucy, and made sure we insured her. While she is in good health, she has had some medical issues which were covered 80% after the deductible was met. It has helped tremendously. I wish there was some sort of coverage for dental, which is a common issue with this breed and is very expensive, but necessary for her health.

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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