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: Adriana

True dedication to animals

I used to have a health plan w/ VPI, but b/c of financial difficulties decided to cancel it. My dog was still young enough (about 5). But after some years I thought it would be best to get coverage for him again since he had just turned 8. So I called VPI again and to my surprise and disapointment, VPI and some others I contacted turned me down b/c of his age! As if 8 was old. So I found ASPCA and was pleased and grateful that they accepted us. It was a good thing too, b/c 6 mos later my Billy started to bleed internally and after many tests even though the cause was not found, a solution to make it stop was. He is doing better now and thanks to the ASPCA plan I am not in the poor house. each claim I had to put in was at least $150. I even had a claim for $579 and received $402 for it. Even though it's not a 100% return (please let me know if there is such a plan) I am sure glad I wasn't alone in these difficult times!Thanks, ASPCA, for your loyalty and dedication to animals! Sincerely, Adriana
4

out of 5

POSTED: | BY: Meghan Charlebois

Spend a dollar and save several dollars!

Our 3 yr old lab Grace ate a small dollup of insecticide. That little bit of poison almost cost Grace her life and us, $4000k in vet bills! If we had had pet insurance we would have faired a lot better finacially. Now we know.
4

out of 5

POSTED: | BY: Morgan

My baby kitty

I got pet insurance for my cat when my friends cat got his tail chopped off in a door, poor kitty right?? Well she had to pay about 1,500 for a tail docking surgery and different meds. When she told me about that I immediately began thinking about things that my cat,Tiger, does. WOW he is one all way the place cat. on the table off the table runnung and slipping thru my rooms ( i have hard wood floors), also a dog that plays rough! What if something like that happened to my Tiger?? I couldnt afford that and have no credit cards that i could put any expense like that on. Soo I went to the vet to get him his normal shots and i saw the pamphlet for ASPCA healthcare for cats. I looked through the pamphlet and then decided to go online and "check it out." I was looking for accident insurance which is very inexpensive and is perfect for wat im looking for. I decided that I needed to call my fiancee and see what he thought about the insurance. I wasnt off the computer 2 minutes when the phone rang and an ASPCA represative called and said " i noticed you just checked out insurance for tiger? do u have any questions?" and since i did it was soo awesome to me that they called and actually asked me if I had any questions instead of having to wait to call them and be on hold for a represative. So far i havent had any "accidents" but I'm glad that my baby boy has something in case he does fall and hurt himself.
5

out of 5

POSTED: | BY: Kristen Jacko

The best investment I've ever made !

My experience with ASPCA insurance has been nothing less than perfect. The process of filing a claim could not be any easier and turn around time is excellent. More importantly it gives me the security of knowing I can get the best possible care for my dog. I have had 2 dogs on this insurance plan sadly I lost my Rotti suddenly a year ago I dont know what I would have done without the insurance. I now have my American Bulldog on the plan and thank goodness for that because this last year has been rough for her. The people who I've spoken with at ASPCA insurance are absolutly precious they are so caring and its quite obvious they truly love animals. Its not just a business for them you can tell by talking with them they love animals as much as we all do and want only the best for our pets. Very compassionate people who love what they do.
5

out of 5

POSTED: | BY: Portia

Bella's 1st check-up

Bella is our 2nd dog, we had a Pom, name CoCo. I regret not having Health ins. for CoCo many times. When we decided, CoCo was too old, and we learned from that experience. Bella is now the new member of our family and with any family member, you want to cover every base needed for the "Well Being" of your family. ASPCA gave us very affordable rates, and their rep. have been very helpful assisting us with our questions and needs. ASPCA has quickly email us with response to Bella's and our needs. We thank God that there is affordable health ins. for our "Bella"

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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