ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,653

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 13
  • 44
  • 11,653

Updated: May 29, 2024

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: Philip

Very good insurance

Having pet insurance is very important to provide peace of mind regarding veterinary expenses. I have been very pleased with the service provided by the Hartville group and it has saved significant out of pocket expenses. I have it for all 3 of my dogs and the variety of plans offered provides the flexibility that pet owners need.
5

out of 5

POSTED: | BY: Christa

Petshealth is there for my pets!

After one of my two cats got really sick and had to stay at the vet’s office for three days, I was shocked at the amount I had to pay at the end of the treatment. I started to think about what I would have done if one of my ‘fur kids’ would have to stay at the vets place even longer, and if I would ever have to face the horrible choice to have to end my pets life simply because I could not afford the treatment any more. With that in mind I started searching for an insurance company that would help me pay my vets bills. And when I found Petshealth and signed up nearly five years ago, I was simply delighted at how easy they make it to file claims through mail, email or even online and get part of your money back. Petshealth has helped me out in every way! And they even have friendly and knowledgable customer service reps. I would highly recommend them.
5

out of 5

POSTED: | BY: Marsha Daub

Our Senior Poodle's Best Friend

Alfie is 15+ years old and has had some medical problems over the last few years. Knowing that we would not have to shoulder the entire expense made it much easier for us to decide on medical options for him. Happily everything worked out well thanks to a great Vet and ASPCA Pet Insurance!
5

out of 5

POSTED: | BY: Kathy Laytos

Excellent insurance for your pet.

Before I get to Scout's story, I have to quickly mention my cat Chelsea, who passed away in 2006. I had her for 18 years and not pet insurance for her. She suffered many ailments including cancer and hyperthyroidism. She has several surgeries and chemo treatments to treat the cancer and radioactive iodine treatments to cure the hyperthyroidism. Needless to say, taking care of her illnesses cost me a fortune. A few months after she passed away, I got my puppy, Scout, a beautiful, energetic, yellow Labrador retriever. The first thing I did was look into pet insurance. I did my research. Checking all the different insurance companies that were available to me. I came across the ASPCA insurance. The first thing that impressed me was that it was the ASPCA, an organization that I have the utmost respect for and I have supported them for years. I went over the different plans and what would work best for me. I chose the Advantage plan and the premium is extremely reasonable. Within Scout's first 2 years, and many visits to the dog park, she suffered many injuries by playing with the other dogs, In those first 2 years, the insurance paid for itself. Thank goodness, I got it. More recently, in July of 2010, she suffered an injury to her knee and needed to have TTA surgery to repair a ligament. This is a very expensive surgery, costly about $5000. But I had no choice, Scout is like a child to me and I would do anything for her. With the ASPCA pet insurance, it ended
5

out of 5

POSTED: | BY: Vincent

Pet Health Insurance is Important

Pet insurance is just as important as health insurance for families. Health care is expensive and can create a tremendous financial burden. This is equally true with pets. We love our animals and we treat them like family members. We need some assurance that we will be able to provide the best care for our pets without worrying about the financial hardship it can create. The insurance gives us the peace of mind we need and eliminates this worry. Celine is a new member to our family and we can't imagine not having her around. We insure her to make sure she will always be well cared for and to make sure she stays healthy and happy. God forbid she gets sick or has an accident. With pet insurance, the burden of caring for her is diminished and we worry less about these unforeseen events.

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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