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: J. Stasiuk

We have peace of mind!

Our children begged us for a dog and until my husband retired, we did'nt feel that we could be dog owners.once myhsband retired we had no more excuses! So Marley and Gracie came into our lives. Marley is a Golden Retriever and Gracie is a Chocolate Lab. Pets are an incredible financial responsibility and we felt that ASPCA pet insurance was the only way to go. If problems arise that are costly we have insurance that we can properly care for our dogs. The first 6 months of a puppy's life include immunizations and spaying/neutering and for us it was x 2! Our pups are now 8 months and 8 1/2 months old. We have submitted many claims thus far and have not been disappointed. ASPCA pet insurance is the only way to go!
5

out of 5

POSTED: | BY: JEANNE BARRETT

Thank goodness I have Petshealth Ins

Allways having dogs I never had pet insurance. However my daughter in law suggested i should get it as she has it and loves it. I am so happy i purchased as the dog has been sickley since very young he is now almst 5 and I have been able to get him the best of care do to having your Ins. The bills have far exceded the cost of the premiums. i truley hope any who reads this will also cover the loving pet as i did.Thankyou Jeanne B. DuBosky
5

out of 5

POSTED: | BY: Matthew S.

My cat thanks me for having insurance.

My cat was recently diagnosed with hyperthyroidism. After a short time period of medication via a pill, she became very ill and needed to be taken on New Year's Day to an Animal 911 hospital. The medication, as it turns out, was severely upsetting her GI system. The hospital bill for the overnight stay with doctor care and tests was about $800. Now on a transdermal gel application, she is doing fine. I was grateful to have the insurance, which helped very much. Payment for what was covered arrived about three weeks later.
4

out of 5

POSTED: | BY: Rick

All puppies need insurance!

Great product! Very affordable and necessary, especially if your getting a puppy!
5

out of 5

POSTED: | BY: Alexander Lopez

The smartest thing I have ever done.

In December 2010 my Golden (Buddy) was diagnosed with a large tumor (Sarcoma). After Surgery and a vet bill of $544.55 ASPCA Pet Insurance cut me a check for more than Half of my expenses. Almost two months later 02/19/11 (Buddy) swallowed a baby wipe that got lodged in his stomach and intestines. Less than a week after my claim ASPCA settled my claim by cutting me a check for $1500.00 Getting Pet insurance was the smartest decision I have ever made. Thanks ASPCA

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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