ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,652

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 13
  • 44
  • 11,652

Updated: May 29, 2024

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: Rhonda

Great Insurance Coverage

I have been with Petshealth for over 3 years. I have two Bichons insured. The insurance has been great and the claims have been paid in a very timely manner. I find the insurance (after review of others) to be priced well, what is covered to be in line with others, and the customer service has been #1 for me. Several times I have rec'd calls to see how my "little one" is doing following a claim.
5

out of 5

POSTED: | BY: Bob

Tom and Ollie

At one time my wife and I had two guys insured with Petshealth Care Plan Insurance. We lost Thomas about two years ago, but Oliver is still insured. Ollie doesn't seem to have the problems that Tom did, but as a soon-to-be nine-year-old standard poodle, he has his share of maladies, the current one being an extremely sensitive stomach. As an insurance agent (property and casualty), I appreciate good claims service. While we purchased pet insurance primarily as catastrophe coverage (Tom needed $4,500 worth of surgery once), we have availed ourselves of the coverage offered by Ollie's plan. We're not always in the black, which is okay, but we always receive claims payments in a timely manner, adjusted fairly and accurately. This year, Ollie's claims have more than offset the premiums we have paid. If you care about your pets, as we do, having pet insurance is a surefire way of making sure you can always afford to do the right thing.
5

out of 5

POSTED: | BY: Louise

Pet insurance is a must.

California is an expensive place to own a pet. When you do rescue as I do, vet costs can become prohibitive. I currently have 2 dogs and 6 cats. ASPCA and Petshealth has been a life-saver, allowing me to care for multiple pets and not sacrificing care of one pet for another because of costs.
5

out of 5

POSTED: | BY: Donna M.

Friendly, caring & helpful people at ASPCA.

I adopted my Luke,a Dachshund mix from the local animal shelter. Luke at the time, was about three or four years old. I wanted to give an older dog a second chance at having a forever home with people who could give him the love and care he deserved. One of the first things I did was to get pet insurance from ASPCA. Several weeks later I noticed a small lump on Luke's front left leg. I brought Luke to the Doctor and it turned out to be a non-cancerous tumor. Luke eventually had to have surgery to have it removed. Thank God he made a full recovery! I was surprised at how much I get reimbursed for the surgery. I highly recommand ASPCA insurance. Besides getting some reimbursement for visits to the Doctor, everyone I have ever spoken to at ASPCA is friendly, caring and helpful.
4

out of 5

POSTED: | BY: Rebecca Rinehart

Peace of Mind health coverage for Pet is Priceless

I have a 3.5 yr old Yorkie, Bailey. When he was 2 he was having bladder problem and was catherized a few time and put on medication. When it got worst he was referred to a Specialist Vet Clinic in Greenville SC. To make a long story short, Bailey had a Liver Shunt and was operated on. Thought I was going to lost him, but he is doing fine now. Except for some skin allergies he seems fine. I submitted all the invoices I had aquired from my home Vet and the one in South Carolina and submitted to ASPCA. Since I was well aware that the issue my dog had was not covered but they went through it and covered all the tests and x-rays before he was diagnosed. He had swallowed some items when he was in pain and started chewing my shoes and anything he could get ahold of. I spent over $4500 on the first claim but it was worth every penny. The second claim was for Ear infection and skin allergy and ran around $400. They were a pleasure to deal with and make sure I understand their decisions according to my policy.

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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