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.
5

out of 5

POSTED: | BY: Jim &

Peace of mind.

I have had your coverage for my dog Cloie for about 10 years. During that time Cloie has had a few problems. She tore the ligament in one of her legs, she had bladder stones, and also had to have some skin growths removed. Each of these problems were expensive to correct. I was so grateful to have the Petshealth insurance and recommend all pet owners to obtain it. Petshealth representatives have been so courteous to me and handled my claims in a very timely manner. I would, and have recommended them to neighbors and friends. It has been wonderful for my baby and best friend.
4

out of 5

POSTED: | BY: Ashley

Pets are part of the family

We got this insurance for our pug just incase she ever needed anything in the future. You insure your children and treat your pets as part of your family...so why not insure them also? It just made sense to me. I've only used the coverage for small illnesses so far but it was a great help to get reimbursed so quickly. My dad recommended the insurance to me and I would recommend it to everyone!
1

out of 5

POSTED: | BY: Robert G

Better judgement for pre-existing conditions

My feline had a checkup in 7/10 and passed with flying colors. In early November of 2010 I took him to the vet because of an increase in fluid intake. A blood panel and urine culture was done to find out what was going on. Both claims were denied because of pre-existing condition. I was told that because the increase of fluid intake was mentioned in the vet's notes that the claim processors labeled it as kidney failure and denied the claim as pre-existing. I don't know how they could diagnose when my vet was still trying to rule out things that could be wrong. An accurate diagnosis on his part had yet to be made.
5

out of 5

POSTED: | BY: Steven Tulkin

ASPCS has provided all that they promised

responsive, courteous, and provided everything that they promised
5

out of 5

POSTED: | BY: Jack and

Protect your "Best Friend"

We have had ASPCA Pet Insurance since our two 9 year old SpringerSpaniels were 2 years old. They have been very healthy for most of their lives and we used the insurance for minor diagnostic incidences. However, our female,Savanna had ACL surgery earlier this year and our male, Spencer recently had test after test done to no avail and passed away a month ago. It is heartbreaking to watch your "best friend" go through an illness. Having this wonderful insurance helped us fund the treatment that brought Savanna back to her daily walks. Unfortunately, all the tests for our beloved Spencer couldn't cure his cancer but we were able to give him every chance available with the help of ASPCA. On top of that we received a beautiful sympathy card from ASPCA after Spencer passed. It touched our hearts that they care. Thank you - we wouldn't be without it. Jack and Sally Hefti

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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