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: Ann Grady

Came through when we needed it most

We have had Petshealth plans for both our dearly departed Great Dane Jackson an our current Dane.As Jackson aged, I anticipated his bills could increase and I was worried about being put into the horrible position many owners face...being forced to choose between pet care and our other pressing expenses for our family. Sadly, we needed Jack's coverage far too soon, and he passed soon after being diagnosed with tumor in his liver. I am very grateful that we were able to give Jack all the care possible in his final weeks without the added stress of the finances. When we added Ivan, another Great Dane to our family I admit I considered postponing coverage until he was older, but I also felt that my reimbursements for routine care had been adequately compensating for the premiums, so we signed on with our new big guy. I was very glad I did, because a fluke bout of pneumonia generated some unexpected and giant-breed sized bills at the worst possible time. I have recommended this plan to others and will continue to do so now that they have come to the rescue...again!
4

out of 5

POSTED: | BY: Patti

Never know when your pet will get hurt.

We last used our pet insurance when our two year-old White Sheppard/English Setter mix cut her leg while on a walk in the woods. The laceration didn't look too bad, but would not stop bleeding. We had to take our dog to the emergency animal hospital near by, whom upon examining her, realized that the laceration wasn't a simple cut. Apparently our dog stepped on something that actually went up into her leg - hence she needed more than just a few stitches. Needless to say, I was very happy to have pet insurance.
5

out of 5

POSTED: | BY: Johanna

A Curve Ball

I recommend for everyone to look into pet insurance before they even purchase a pet. I waited a couple of months before I got it and now I wish I hadn't waited. I did not anticipate all the problems with my Pico but my pet insurance sure has helped tremendously lighten the load.
1

out of 5

POSTED: | BY: Nila

DO NOT EVEN BOTHER!!!!!!!!!

I thought it would be the best insurance ever, since it has the name ASPCA, I was wrong. They didn't pay anything!!!! The reason they gave me was "Exclusion Code - 2", then they sent me a paper explaining it what it means and it was pre-existing (for my baby's earmites). How is it pre-existing when she's only 5 months old??? It was her first time going to the vet. I wouldn't recommend it. Save your money. Find a better one.
5

out of 5

POSTED: | BY: Ellen West

Excellent care

Our dog, Sandi, is a three year old husky mix. We began a health policy with her because our previous rescue dog had some serious, and expensive, care toward the end of it's life. The company we chose is ASPCA, which was recommended by our veterinarian. The company has a good web site, the return checks after a claim are handled promptly, and we have the no hassle option of having our quarterly payment charged automatically through a credit card. To date, Sandi has had several hundred dollars worth of bills, mostly due to a infection that set in around a deer fly bite on her nose. She needed shots, ointments, and lab work. We are looking forward to a long and healthy life for Sandi, but we feel she is worth the little bit extra to insure that we can afford to take care of her.

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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