ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,764

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.
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
5

out of 5

POSTED: | BY: G R

Great for young dogs too

I insured my 6-month-old Chihuahua/terrier mix right from the start, even though she is a healthy, young pup. Perhaps I had learned my lesson from a previous pet who fell ill when I was unemployed. I felt so helpless and went into debt because as a pet parent, I tried to do all that I can for my then Shih Tzu, who later died after being hospitalized for a week. Needless to say, I never want to be in that place again. I weeped every time I went into the animal hospital to pay for the remaining bill, which my vet was nice enough to offer me an installment plan. This is my first pet with insurance, and I'm learning the benefits as we go. We're less than one year into the policy, and I've filed about 5 claims from booster shots, annual checkup to upset stomach and surgery to get spayed. Sure, not everything is covered under my plan and some misc. items such as waste disposal fee and some blood tests are not covered. But having said that, it has more than paid for itself for a peace of mind that is priceless. I met my deductible 6 months into the plan, and I'm a firm believer now and I plan on renewing pet insurance next year. I wanted to write this so it may help someone in need too. As for ASPCA, the agents on the phone have all been very personable. I have a great experience with them because they understand my needs. Check it out for yourself and see what plans right for your pet. Mine's a level 3 wellness plan and I feel it's sufficient for a young, healthy pe
5

out of 5

POSTED: | BY: Richard Kaplan

Pleased with ASPCA Insurance

I have never hesitated to take my Lab Samie to the vet when needed but it is comforting to know that ASPCA Pet Insurance will help cover some of the cost. I am pleased woth the coverage I have and with the premiunm cost. I know it's there if I and Samir need it

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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