ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,864

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: Dana

Decent coverage

I've had a satisfactory experience with the ASPCA insurance coverage. The turnaround time for reimbursement takes about 3 weeks. It's come in handy in a couple of emergency situations for both of my cats. The reason I'm not giving the insurance a higher score is due to the pre-existing conditions clause. If my pets were to be diagnosed with an illness when my policy is up for renewal, it would be considered a pre-existing condition and there would be no further coverage for that condition. This disappoints me since I've been a customer for a couple of years and I'd feel more confident in the coverage if the pre-existing clause weren't in effect.
4

out of 5

POSTED: | BY: RJ Gulick

We appreciate the timely responses and service.

We adopted our dog, a mixed breed, about 2 years ago. She is now about 3. We were surprised & concerned when we discovered she was having an eye problem which was causing infections. We are learning it is unusual for her breed mix but we have been pleased that our pet insurance has helped to relieve some of the burden of caring for this young dog since it appears to be a problem that we will be able to manage. Thank you for prompt service and feedback.
5

out of 5

POSTED: | BY: Andrew Mellon

Petshealth Insurance Review

I decide to get Petshealth Insurance after my Golden reached age 7. I did some research and found that the premiums through Petshealth insurance seemed very reasonable. Luckily my Golden has not had any major health issues yes and he is 11 years old now. When he seems overly sluggish or not eating right or vomitting, it is good to know that I can run some bloodwork or other tests to see if there is some wrong with my Golden. It is good to know that I have the insurance backing me in case of a major health issue with my Golden.
4

out of 5

POSTED: | BY: Joanne

Peace of Mind is Priceless

While I have only had to file one claim with ASPCA Health Insurance, it gives me peace of mind knowing that I have a safety net if something serious were to happen to either one of my dogs. The claim-filing process is very easy and I received my check quite promptly.
4

out of 5

POSTED: | BY: Lois Meyer

So far we are happy with ASPCA Pet Insurance

Good Pet insurance
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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 Insurance detail
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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