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: George Rozinak

My Tucker is my heart and soul.

I had an incident with my black Lab, Tucker last fall when I had him out running. He is a champion bred Labrador. He was snooping over in the weeds and all of a sudden there was a great commotion. I couldn't see him, but I heard him. I wasn't quite sure what he tangled with at the time. However, I could see he was shakened up. I leashed him up and we went home. I didn't think much of it that night. The next morning, Tucker seemed listless and was walking strangely. I noticed his paws were swollen and tender looking. I took him to the Vet and he decided to do a series of tests and keep him for observation. He suspected a spider bite or a bee sting. Something was attacking his immune system. They started him on steroids and strong antibiotics. I told him about the incident and said that I suspected a snake bite from a copperhead. Well, to make a long story short, Tucker made a full recovery. I knew my decision to have health insurance on him was just as important as having it on my kids. I never want to be put in a position of putting my best friend down because it was too expensive to treat him. ASPCA Pet Insurance has been a sound choice because of the comprehensive coverage and good value. The claim was handled very efficiently. There is nothing I wouldn't do for my friend. Tucker is my heart and soul.
4

out of 5

POSTED: | BY: Lauren

ASPCA

I have the ASPCA insurance for my dog. My only complaint is that currently they do not cover genetic problems.
5

out of 5

POSTED: | BY: George

Cat with bladder/kidney infection.

I appreciate the upfront reimbursement and claims process. I recovered more than 75% of the costs directly related to my cat's treatment.
5

out of 5

POSTED: | BY: Betty Hegarty

Money well spent

I decided to get pet insurance after my Yorkies died two years ago of renal failure and seizures. It is well worth it. It is consumer friendly and their staff is very helpful. I wish I had done this sooner with my other pets.
5

out of 5

POSTED: | BY: Sandra Haase

A welcome relief when visiting the vet.

ASPCA has provided great coverage for my pet for the past two years. Even though you worry about your pet it aleviates the worry of the high cost of pet visits to the vet. With insurance you are more apt to take optimal care of your pet.

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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