ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,717

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: Coco Cook

Peace of mind

I've thought of cancelling because my paycheck hasn't kept up but then I think the day I do will be the day my dog needs it most. I've paid over $1200 when my 4 inch pup ate an 8 inch tube sock and over $900 when my daughter's dog got hit by a car. I've received reimbursements for treatments that I'm very grateful for. I will continue to pay for the peace of mind.
5

out of 5

POSTED: | BY: Lorraine Valiquette

ER visit

After having ASPCA pet insurance for years with no major incidents, our dachshund had an "edible teeth-cleaning treat" become lodged like a cork in his intestines. The $5,000 claim was processed promptly and with the 80%reimbursement we were able to pay a good portion of the credit card bill when it arrived. I had a positive experience with the reimbursement process. I am concerned about the pre-existing clause should our dachshund ever face an injury or illness that carries over the policy renewal period.
4

out of 5

POSTED: | BY: Tracy

It takes the pain out of the vet bill

I was quite worried about my dog and what was srong with her. I would have taken her to the vet (we were on vacation at the time) in any case.Tracy was clearly uncomfortable. But it really helped to know that I would not have to pay the entire bill. And luckily she got over the esophagitis in a week.
4

out of 5

POSTED: | BY: Paul Mottram

need on-line claim facility

I've been very happy with the pet insurance, but find the claims procedure a bit slow. I would like to be able to claim online
5

out of 5

POSTED: | BY: Michael J.

Unfortunately under insured.

I have two cats insured with ASPCA. I am satisfied with the response to the claims that I have submitted for them.I have a membership with this organization and totally support your work. My cat, Rudy has been diagnosed with high grade Lymphoma about a year ago. Unfortunately, I did not have enough insurance on him at that time. I did receive a check for the limit of his coverage ($1500)for this occurance. Since then I have had expenses exceeding $10,000. I know that this is my responsibility for not having him insured enough, and do not hold this against ASPCA insurance. I only wish that there was an option during this illness. It is a difficult financial situation to be in, but he is doing well and as I'm sure that you realize Rudy's health and comfort are what really matters. Thank you.
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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 Insurance detail
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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