ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,714

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: Karen

Thank God

My dog got really sick and it was about $4000 in vet bills. Thank god for the pet insurance I got 80% reimbursement quickly. Everyone should have pet insurance especially this one!!!
5

out of 5

POSTED: | BY: Anita Burgoyne

Diego and the bag of raisins

I never considered medical insurance for my cat. But during her life, she has needed bladder surgery; daily injections for diabetes; daily medication for a thyroid condition. I have spent tens of thousands of dollars on her over the course of her 18-year life and fortunately, she's still going strong. But when my daughter brought a tiny puppy home from her semester abroad in Baja, Mexico, (he came here legally, through customs, with a vet's approval and the proper shots.) But I knew if I was going to keep him, he would have to be covered by insurance. Because Diego was born in a swamp and was starving, he is a little food-obsessed. I guess the fear of starvation never goes away. At the beginning, we came home more than once to find broken dishes and bowls and lots of missing food. So now we are very careful to keep things in the kitchen out of his reach. Unfortunately, sometimes I don't get everything as far out of the way as necessary. I knew when I got home from a morning exercise class a couple months ago and saw an empty raisin bag on the floor I was in trouble. It was a 2.25 lb. bag from Costco and when I left it had been almost full. Fortunately I knew raisins and grapes are incredibly poisonous to dogs, so I immediately called my vet. They made me call Animal Poison Control, who gave me a case number and told me to get Diego to my vet as soon as I could. I know now it was a serious emergency and that if I hadn't acted quickly, Diego most likely
4

out of 5

POSTED: | BY: Sara Conroy

ASPCA provides good service

I've had ASPCA pet insurance for several years. I've used it for two claims and in both situations they provided timely claims processing and payment. When I've called them, they are very nice on the phone and helpful. I think it's reassuring to have this coverage in the event that one of my cats has a serious condition that I might not otherwise be able to have treated. I wish they covered more preventative service (i.e., dental cleaning), but that's my only complaint.
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.

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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