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.
5

out of 5

POSTED: | BY: Michael J.

Unfortunately under insured.

I have two cats insured with ASPCA. I am satisfied with the response to the claims that I have submitted for them.I have a membership with this organization and totally support your work. My cat, Rudy has been diagnosed with high grade Lymphoma about a year ago. Unfortunately, I did not have enough insurance on him at that time. I did receive a check for the limit of his coverage ($1500)for this occurance. Since then I have had expenses exceeding $10,000. I know that this is my responsibility for not having him insured enough, and do not hold this against ASPCA insurance. I only wish that there was an option during this illness. It is a difficult financial situation to be in, but he is doing well and as I'm sure that you realize Rudy's health and comfort are what really matters. Thank you.
5

out of 5

POSTED: | BY: Jayne

Grateful for ASCPA Health Insurance for my dog

My dog was diagnosed with bone cancer early in Feb. Since it is a fast acting cancer I had to make quick decisions regarding her treatment. It was very helpful to me knowing that I had health insurance for her so while I had to consider the financial implications I knew that I had some protection for her. This allowed me to think more about the treatment than the cost. Once she had her surgery - she had to have her front right paw amputated - she had a difficult recovery at first. Many of her original expenses and extra expenses were covered. This was a great deal of help to me financially not to mention peace of mind. I was able to choose her treatment based upon what I thought was best for her. I'm happy to say that today 3 1/2 months later she is doing well, in good spirits and no sign of the cancer coming back. We hope things stay that way. I should also mention that I didn't purchase this insurance until she was almost 11 years old. I don't recommend that but I was surprised that I was able to get her coverage at that advanced age. My claims were processed quickly and any time I've spoken to a customer support person they have been very kind and helpful. I have recommended to all my friends who are pet owners that they should seriously consider purchasing pet insurance.
5

out of 5

POSTED: | BY: Jen Dubrow

Pleased with the Accident/Illness Plan

I purchased this insurance as an AFLAC type plan. I have primary insurance for my heeler, now 7, through Banfield. However after Samantha was attacked by a neighbor's dog and needed emergency care and surgery (which Banfield did not provide) I decided that we needed somehting extra, as a just in case. We have used it a few times for things that were not covered at Banfield. They people at ASPCA are very friendly. helpful, and quick to respond. Very happy.
4

out of 5

POSTED: | BY: Lynda Stiles

Review claims in a timely manner

Handled claims quick.
4

out of 5

POSTED: | BY: Debbie Londeck

Make a sad puppy HAPPY again!

In March 2011 our 10 month old Lab/German Shepard puppy started having loose stool and slight lack of appetite. After about 3 days of this, I took her to the vet and took an exray to make sure she hadn't eaten anything that she shouldn't, no she did not. He also took some blood. Her tests came back fine so he treated her for colitis (bad spelling, sorry). She was on antibiotics for a while and white rice and grilled chicken diet for about a week. Once her stool was solid we slowly added back dog food. She has been fine since. We submitted all the forms to the ASPCA insurance and they paid the claim according to our contract. Well worth having the insurance for the peace of mind, especially with a curious puppy. Thank you ASPCA. Debbie Londeck

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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