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.
3

out of 5

POSTED: | BY: cher

ASPCA pet insurance for dogs

I have insurance IN CASE of a major accident or a catastrophic illness such as bloat or if one of my dogs needs surgery after eating something that blocks their intestine. It helps with regular yearly visits, but the allowable coverage is much less than my vet charges so it really doesn't help me at all. The monthly insurance fee is very high for the two of them as I have them covered for almost anything. I spend more each month than their yearly physical costs. Like I said, it's for IN CASE of a major problem.
5

out of 5

POSTED: | BY: Elsa Soto

Pet Insurance - So Worth It!

My husband and I decided to get pet insurance after our beloved American Eskimo became ill. After numerous tests and a lot of money, we had to put her down. It was heartbreaking to lose a pet, and also difficult financially. We felt that with our next pet, we didn't want to have to worry both about their health and the expense. We looked around and tried another pet insurance. We submitted a claim, and based on how their process worked, it wasn't much of a benefit. I did some research and discovered ASPCA. I've always had a lot of respect for ASPCA because of what they do for animals, but after reading how their policy worked, I thought it sounded better than our previous insurance carrier. So far, we've submitted several claims for our dog (we have four and three are insured) and have been reimbursed a fair amount of our costs. Recently, our Chihuahua Remy was experiencing pain that couldn't be explained. While we were worried about him, it was nice to know that the bulk of our expenses would be covered. Remy is doing much better now (even though we never did figure out what was wrong with him); he's back to his playful self. We are now waiting reimbursement for our claim and when we receive it, I'm sure we'll be pleased with the amount. Thanks ASPCA for being there for us. Remy says "woof!"
5

out of 5

POSTED: | BY: Alan Gluck

Pet Insurance saves you money.

I have had ASPCA pet health insurance for several years now.I started it for my two dogs on e of which has passed away from kidney disease. ASPCA INS. was very helpfull in paying a great part of the neumerous and expensive treatments Sophie my Beagle went through. Even though we lost her in the end she had a better life with the care ASPCA helped pay for.Holly my surviving Bassett Hound is getting up there in years and needs more Vet. care as she ages. Having Pet health insurance has been a great benefit toward keeping her healthy without breaking the bank.
5

out of 5

POSTED: | BY: Marie Schools

Pleased with service and communication

Like the fact we can fax in our claims. They respond quickly with emails. Convenient payments automatically on card. I have heard horror stories about vet bills in the thousands of dollars. Nice to know we are covered and help animals in need.
4

out of 5

POSTED: | BY: Julie Reses

My "emergency room child" is covered!

I am the very happy owner of 2 English Springer Spaniels; Maggie & Murphy. Maggie was with us for nearly 5 years when we decided to bring Murphy into our family. Have you ever heard of an emergency room child? That would be Murph! From day one he was nipped at, developed rashes, experienced severe growing pains-you name it, Murphy experienced it. I decided right away that ASPCA health insurance was a must. Since we have been a member, there have been many more emergency visits (laceration to his lip; slip and falls on hardwood floor, etc.) Each time ASPCA processed my claims in short order. I only wish my own healthcare insurance provider was as competent!

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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