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.
5

out of 5

POSTED: | BY: Charlotte Franklin

I am so grateful . . .

My darling calico, Aretha, was diagnosed with lymphoma 4 months after I bought a Level 3 policy with ASPCA Insurance.Although insurance nevers pays all, I have been so grateful that I had the coverage.Chemo is very expensive and can go on for the rest of an animal's life. Ree Ree is in remission now (chemo pill sonce a month). ASPCA Insurance service has been excellent callilng from time to time to see how we are doing. I am so thankful that I have coverage.
5

out of 5

POSTED: | BY: Lynda Zmak

If you care about your pet get ASPCA pet insurance

I adopted Scout 2+ years ago from my local SPCA. She is an adorable beagle mix who has nothing but love to give. I knew I wanted pet insurance as I had payed thousands on an illness my previous dog had w/o insurance. When I researched various insurance options I saw that ASPCA was the best bet. Since, I have had to use the insurance, once for a dog bite on Scout and a couple of times for an eye infection. All I can say is if you do not have pet insurance, get it. The claim forms are easy to fill out, send in and in no time you will be reimbursed. Do it for your pet, peace of mind and for all the animals in the ASPCA, without them what would they do.
2

out of 5

POSTED: | BY: Byron

Awful - We're Switching To Another Insurance!

We signed up with ASPCA for our new labradoodle puppy in 2009 at Level 3 and felt very comfortable that she would be ok regardless of what happened. They were great with coverage for the early needs of new puppies - spay, standard vaccines, etc. However, when she stopped eating and drinking, had diarrhea and was throwing up for days, we had to make an emergency visit to the vet. Our pup had to stay about 1 1/2 days, and they ran a number of tests to see what could be wrong. The bill for her treatment ended up being approximately $800, and ASPCA refused to cover ANY of it!! Despite letters from our vet attesting to the necessity of the treatment, and from us explaining her dire state and how we waited before taking her in, they said No. I would never recommend ASPCA because, if you can't take a sick young puppy - with impeccable pedigree and no issues when taken for initial assessment (after we brought her home from the breeder) - to the vet and count on your insurance covering the treatment, what's the point of paying them anything?? Especially when the Vet vouches and its an $800 bill! We've heard good things and plan to switch to Truepanion.
5

out of 5

POSTED: | BY: Nancy Baldwin

ASPCA Rocks

I've had ASPCA pet insurance for my dog, Casey, since I got him 3 yrs. ago. The first time I filed a claim (for a fight over a tennis ball) I was very happy with my reimbursement. Then, just last month, Casey needed ACL surgery. I was very impressed, relieved and happy for the reimbursement which was about 65% of the total. And for both claims ASPCA said they would handle the claim within 30 days and they did so without any hassle. I have total peace of mind with ASPCA.
5

out of 5

POSTED: | BY: Jane Snibbe

Encourages wellness with the coverage

We have had ASPCA pet insurance on our 7 year-old Lab, Crusoe, for 2 years. We selected Level 4 of insurance which covers a number of wellness procedures. We had dental work done, including an extraction, as well as cleaning and this was covered. They also cover shots and heartworm meds and tests. Having this insurance makes it affordable to keep our dog healthy. He has had a couple of ear infections (common for the breed) and treatment is covered.

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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