ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,761

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: evelyn

very good with a few moderations

Having pet insurance gives me confidence for the future of my beloved Daisy. She's middle aged and I worry about the aging process but having ASPCA lessens my concern. Two things I would like: more provision for preventative care -faster turn around time for payments- Most Docs want payment up front and I'm on a fixed income -I take care of Daisy but I have to cut back on my own meds(and I'm 80) until my claim is paid.
4

out of 5

POSTED: | BY: cheryl

Hip problem

I have five cats so having pet insurance is important to me. You never know when something will happen so having pet insurance really helps. I had one of my cats needing medical attention that was beyond just routine care in the past few months. This was very expensive but with the insurance it made the whole experience more affordable.
4

out of 5

POSTED: | BY: Sally

A Definite Must for Your Pet

I decided to get pet insurance for my dog Daisy because with her being a mixed small breed dog (Yorkie/Maltese), I had heard that small dogs get sick a lot. Well my ASPCA insurance has helped me out tremendously. I have had it for a year and I can't count the amount of times I have filed claims. Daisy had to get spayed as well as getting a small tumor removed from her right paw. She has been in for her annual exams, shots and some unexpected visits as well and ASPCA has covered all of the items. I have been pleased with my experience with them. Customer Service has been super friendly.
5

out of 5

POSTED: | BY: Charmaine

Well Worth The Money

I have had Hartville/PetsHealth insurace for about 3-4 years. I adopted Max, my minature poodle, from the animal shelter when he was 8 y.o. Max became ill the first week I adopted him and then again shortly thereafter, and I knew with a senior dog there would be additional medical problems but but since I fell in love with Max the moment I held him, I knew I would need and want to ensure he got the best medical care possible and I would need health insurance for him. I researched the other companies and felt Hartville would be our best option. Max has become sick several times and having health insurance has been a great help. Even with the quarterly premium, this insurance basically pays for itself when ofn the reimbursed for vet treatments. Max recently had surgery for the removal of a lump on his groin at the tune of $700. The insurance coverage was great and helped out so much with covering the cost surgery. I didn't have to worry about Max's surgery and how I was going to pay his vet bill. I would recommend health insurance for any pet parent regardless of the age of your dog.
5

out of 5

POSTED: | BY: Wendy

Rudy's ulcer free Mom

I would really like to thank ASPCA for peace of mind. Just knowing that the insurance is there allows me to relax when I take Rudy to the vet. I no longer get ulcers & worry about a vet bill. I am also very thankfull it was there the day my poor kitten had an allergic reaction to his vaccines and had to go to the emergency vet at 11:00 At night. I knew the bill was going to be horrific but I also knew that a lot of it was going to be reinburssed. So thanks. Sincerely, Wendy Thomas A very satisfied customer.

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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