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: Darien Smith

Good service

I am glad to have insurance forMy pets in a Case they have a catastrophic illness. So far the worst Thing that has happened has been that my dog at something That made him sick and he and to stay at the vet overnight. It has not paid for itself yet, but it gives me peace of mind that I won't have to worry I my pets get seriously I'll.
5

out of 5

POSTED: | BY: Lana and

Peace of mind

I've worked for a veterinarian for 24 years and it's nice to have peace of mind knowing I having a great pet insurance company for my dog Rosie. When Rosie had to make a trip to the emergency last month, not only did ASPCA Pet Insurance respond quickly, a representative called me to ask how Rosie was doing. Thank You ASPCA Pet Insurance.
5

out of 5

POSTED: | BY: Marc Turgeon

Recommend Hartville

My wife and I don't have children so our Yorkie bailey islike our child. When we first brought Bailey home she fell off the bed and broke her paw. It was then that we got our first taste of the Vet bill portion of pet ownership. Ever since then we have had pet insurance. We have been lucky in that our dog has been healthy but has had some issue requiring vet visits. We feel the rates and reimbursement is fair and the reimbursement time has always been timely. Candidly, we have the insurance mostly for catastrophic things when Bailey gets older. For what you pay, I think it is good piece of mind and we would never be without it for bailey or any pet we may have in the future.
4

out of 5

POSTED: | BY: Bonnie

Some is Better than None.

We adopted our Dachsund mixed puppy from the animal shelter when he was only 4-months old. Knowing he was a stray with no history or background, we were concerned with what medical conditions would accompany him. First week we had him, he came down with "kennel cough." Then the next month, a rash, followed by Coccidia, Pancreatitis and Giardia within the first six months of adopting him. We live in Orange County, CA and we searched for a vet that fell within the acceptable range of costs that ASPCA covered. Still have not found one that comes close. However, the claims we've submitted have been covering about 60-70% of the cost, which is better than nothing as we have spent well over the cost to have the insurance and then some. So we definitely don't regret getting pet insurance, and the deductible is $100 annually. I would have to agree with another reviewer about the pre-existing conditions and renewal of the insurance resetting the clock.
4

out of 5

POSTED: | BY: Amanda Gough

Safety net for my pets

ASPCA pet insurance provides security for my pets. Although the plan requires to pay the bill up front, the customer receives reimbursement within a reasonable amount of time. My husband and I have never had a problem submitting a claim and the money we get back after required deductions is well worth the monthly payments. We would suggest pet insurance for anyone that owns an animal because accidents happen all the time and sometimes you may not be financially prepared to handle the expensive fees.

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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