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.
4

out of 5

POSTED: | BY: Wendy Silver

Peace of mind for my pet

After my pitbull had undergone a couple of surgeries in her second year one of my sons-in-law suggested pet insurance and she has been covered by this company ever since. Their coverage has always seemed prompt and pretty generous and I have appreciated greater peace of mind over the years. My dog has done well over the years because of regular veterinary care, good diet and natural supplements designed to keep her as healthy as possible and I am hoping that nothing too serious will happen in the future but one never knows. She experienced hip dysplasia in one hip (the other looks great), tore both her cruciate ligaments at different times, had the top of her femur removed but hasn't had surgeries for many years. Recently she was diagnosed with Horner's Syndrome in one eye. I was told that 50% of such cases are idiopathic and go away on their own and her eye does seem to be looking much better recently.
1

out of 5

POSTED: | BY: Fran

Not Satisfied

I have had this insurance for a year now and all they have paid out is approximatly $25. Every time I file a claim they seem to make some connection to an alleged pre-existing condition. I'm tired of fighting them because I always loose. I would love to switch but my hands are tied. Any condition my dog currently has will now be pre-existing to a new insurance. My hands are tied
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!

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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