4
out of 5
POSTED: | BY: Clay Sharpe
Hank
I have been very pleased with the ASPCA Pet Insurance Plan. It is very nice to have something the help you out when accidents happen.
4.5
out of 5
Number of reviews 11,785
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: Laura
Good insurance to have!
We had originally decided to get some sort of pet insurance after our dog, Riley died from an intestinal blockage and his surgery to try and remidy the issue (which didnt work) cost a good amount of money. We looked around at several pet insurances and decided on ASPCA's. We now have our two dogs, a dachshund and spaniel mix insured and it gives us great peace of mind that they will be covered should anything like what happened to our previous dog, happen to them. The insurance we pay each month for both dogs is reasonable and they recieve decent coverage. My dachshund is a puppy and gets into absolutely everything! She has had several claims this year and the insurance has already paid for itself! Would recommend this pet insurance to everyone who wants to keep their furry friends covered.
4
out of 5
POSTED: | BY: Alice Schellhorn
Well worth the monthly premium
I have owned dogs all my life, but this is the first time I have ever purchased pet insurance. I think it is a good investment because my little Cavalier King Charles Spaniel has had his share of GI upsets and other minor health issues. The costs can mount up quickly, especially when xrays are involved, so having ASPCA insurance for him really has been worthwhile. It even covered a visit to an emergency veterinary clinic on the night before Thanksgiving when I discovered that he had an ear infection. Naturally I did not wait to find out whether this would be covered before taking him to be seen, but I was really happy to learn that it was!
5
out of 5
POSTED: | BY: barbara holmes
Great service, great plan, everyone should have
I am a new dog owner and purchased the insurance as a precaution. 5 weeks into owning my dog she ate an entire chocolate orange and I had to take her to the emergency vet. While the pet insurance did not cover the entire amount, it did cover some and it was very helpful. I would highly recommend buying the ASCPA pet insurance.
5
out of 5
POSTED: | BY: Jeff Kniht
Surprised and pleased!
My Husky recently turned 9 and I realized I'd better get some insurance. My vet recommended ASPCA and after doing some comparisons, I decided to go with them. I got the total plan, including wellness coverage. I'm glad I did and am very pleased with the plan and the company.
I received a very low reimbursement for my first claim for a teeth cleaning and two abstractions. I called ASPCP to inquire why and found out my vet had made a mistake in filing. Michelle, the agent I worked with, helped me get the correct information from the vet and then initiated an in-house review so that I got the adjusted amount quickly.
I really hadn't expected an insurance company to be so concerned about getting me the biggest reimbursement possible. I have filed some claims since and have been very fairly reimbursed. The policy ain't cheap, but it's well worth the peace of mind I get from knowing my dog has as good coverage as the other members of my family.
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.