ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,884

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: Cheryl J

Pet Insurance is good for new pets

I'm very happy to have help with the bills from a vet.The money I get back helps pay for food etc. for them.I'm a big pet lover and wish I would have had ins for some of my other pets who have now passed.If they get sick sometimes you are forces to make choices because of your wallet. With ASPCA ins., now I feel my pets can get the care they need without having to chose what I can aforded. Thanks ASPCA INS.for coming in good when needed.
4

out of 5

POSTED: | BY: Brandy Rowe

Thanks ASPCA

Hi started purchasing Pet Insurance from ASPCA back in February. I have had my kitty Mario for 10 years and I'm not sure what made me want to do it now. But thank goodness!! Mario has thrown up her whole life and very recently it started getting so bad she would throw up after every meal. My poor baby was losing weight so I took her to the vet to figure out what was wrong. After tons of diagnostic tests and $2,000 later, she was diagnosed with feline IBD. I got about half of it back from ASPCA. It was a hassle getting the claims forms submitted because the fax number doesn't work there - finally I ended up getting them and e-mailing them in myself. It took over a month to get things resolved, but the customer service people were so nice and helpful and understanding! Still hurt my pocket a little but was much less than if I hadn't gotten insurance! And my Mario thanks you!
4

out of 5

POSTED: | BY: Carolyn C

Pleased

I have used ASPCA on several occasions now but this last occasion showed me that the coverage I have for my pug, Bugsy is excellent. I never thought I would get such good results such as quick service and response. I am so glad for ASPCA and so is Bugsy.
5

out of 5

POSTED: | BY: Eileen Braun

Max, linus amd Nellie+

I decided to get pet insurance after adopting my dog Max for from mixed up mutts. I never had a dog and was always thinking about getting it for my cat but never did. Then when I adopted Nellie a 5 week old puppy. So, I did an internet search for pet insurance companies and compared plans and rates before deciding to go with ASPCA Health Insurance. Im Oct 2010 nellie ate a rock and boy did the insurance help defray some of the cost. I've already saved more than I paid in premiums for a year. So, I would say everyone should get health insurance for their dogs
1

out of 5

POSTED: | BY: Anne Mathews

Reimbursement not as advertised

My healthy dog was denied any reimbursement for her annual check up and meds (flea and tick and heart worm) prescribed by the vet. Also, her one time only emergency hospital visit bill took 2 months to be reviewed and the reimbursement was approx. 55% even though the total was less than the single visit limit. The annual premium sounds reasonable but I will not renew due to the low level of reimbursement. Was warned that this was not the best plan but it seemed simple and legit. Not saying that it is not simple or legit, just that it leaves the owner with a much larger liability than anticipated.

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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