ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,716

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.
4

out of 5

POSTED: | BY: Carol

Quick 'n Easy

I have used ASPCA Pet insurance for my kitten for both emergency care as well as routine preventive medical care. I have found the claim process to be well organized, efficient and easy to use. I will definitely renew it again.
5

out of 5

POSTED: | BY: Lindsay Kline

Thankful

I purchased this insurance for my dog, Rocky, about a year ago. It has really helped in vet bills but we also had an unexpected accident last year and had to rush Rocky to the emergency vet. I don't know how I would have been able to afford the emergency care without ASPCA Pet Insurance.
5

out of 5

POSTED: | BY: Linda DiRuzza

Health costs go up as pets get older...

I received a letter in the mail for ASPCA Pet Insurance shortly after spending hundreds of dollars for my dog, Spooky, to have bladder stone surgery. Since both Spooky and Waffles were over 10 years old, I realized that their health was likely to decline over the years and the costs would only increase. Waffles is no longer with us due to Cancer in 2008...ASPCA helped to cover the costs of his care and now Spooky has just completed treatment for a ruptured Anal gland and Vestibular Syndrome. I'm very thankful to have ASPCA Pet Insurance.
5

out of 5

POSTED: | BY: Martha Hales

Worth every penny

Last Fall, my cat Maisie was hit by a car and suffered a severely dislocated hip. By the time a neighbor found her and got her to me, too much time had passed for the vet to be able to pop the hip back in, so she had to have an expensive surgery to repair it. Between the initial diagnostic visit to the vet and the surgery, I ended up spending $1900, which is more than I could afford. If I hadn't known that insurance would pay a good portion of that, I would have had to put her down. With insurance, I recieved $1082 of that back after my deductible and some adjustments (the orthopaedist's charges were several hundred dollars over the reasonable and customary amount). Maisie still has a limp, but she's running and jumping and back to her old self thanks to ASPCA Pet Insurance. The staff are always a pleasure to work with (unfortunately this isn't the first time I've had to make a claim for Maisie), and the processing and payments are timely. I have two other cats and they are all insured for catastrophic coverage. I also now pay a littlbe bit extra each month for continuing coverage across enrollment periods. This is well worth it. In 2009, Maisie broke her foot at the end of a period, and the follow-up charges weren't covered, because they fell in the new year. I tell everyone I know to insure their pets. There's nothing sadder than having to put a pet down, because you can't afford to pay for a seriou illness or injury. The coverage I've had for Maisie's t
5

out of 5

POSTED: | BY: kate

Has been easy and saved me money

My latest rescue has been sick off and on since I got him and having this insurance has saved me a great deal of money. It is easy to file the claims online (if you have a scanner) and the turn around time is very reasonable. I also review other options before buying and I believe I made the right choice.

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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