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: maria diglio

I have this for 9 yrs and wouldn't give it up.

Having pet insurance is a good idea. My dog sammy has had surgery for bladder stones and cost alot. Thanks to pet insurance I was able to get most of if back.
4

out of 5

POSTED: | BY: Laura K

Adventures happen!

My dog Eva is the world to me. I adopted her from the Humane Society in Maui when she was 5 months old and she has been my faithful traveling companion in these last 5 years as I wander through life and across the country. I have grown up always having a dog (or more) in my life, but she is my first personal companion. I love being outdoors, exploring, and traveling, and she goes everywhere and does everything possible with me! I had a feeling when we began our adventures that allowing her this freedom to explore might introduce some chances of injury or sickness. Therefore finding and signing up for the ASPCA health insurance was the best thing I have ever done! Multiple times now we have needed the services of the ASPCA pet insurance to help cover the costs of our vet visits. Fortunately she is naturally healthy, but as I had anticipated, her high energy and accidental encounters have incited a few costly trips to the vet. Our coverage has provided reimbursement averaging 50% of the costs, which I have told my family and friends that I am very grateful for! I highly recommend pet owners, especially those who have active and adventurous furry companions, to get pet insurance. I look forward to many more adventures with Eva and it gives me comfort to know that I have support from the ASPCA Pet Insurance to keep her healthy and happy for the rest of her blessed life!
4

out of 5

POSTED: | BY: Anna

In today's world I cant afford not to be insured.

I am so glad I decided to purchase pet insurance for my dog Uli. I purchased the insurance over two years ago when she was just a puppy and hadn’t had much use for it. As the economy got tighter I thought about canceling the insurance to save money. I thought there wouldn’t be a need for it because she seemed so healthy so I had planned to cancel the insurance when it was up for renewal in April. I had just made the decision when Uli had an anaphylactic reaction to a new pet food and had to be rushed to the vet. She was severely ill and spent two days in the animal emergency room. I knew a significant portion of it would be covered by the insurance so I didn’t have the added worry of the vet bill. Had this even occurred two months later, Uli’s insurance would have been canceled and I would have had to pay the entire bill. I made the decision that night to continue the insurance, with today’s economy I can’t afford not to have pet insurance. I now know firsthand that pet insurance is a must have in this day and age. Not only does it save you money but it allows you to focus on the important things in life like the health and well being of your pet instead of worrying about the vet bill or feeling guilty because you can’t afford a treatment.
5

out of 5

POSTED: | BY: Kristin Sadler

Been a Lifesaver

Petshealth Plan has been one of the best things I did when I adopted my dog from the pound 7 years ago. He has had a lot of strange issues and they have been great about paying the 80%. I would be out thousands of dollars by now if I didn't have this insurance. I am reimbursed quickly and that helps a lot too.
5

out of 5

POSTED: | BY: Patricia Thompson

My experience with ASPCAPet insurance

Dear Customer Service: I have been very pleased with your pet insurance so far. The claims that I have had to file have been attended to promptly. I have also been very pleased with the reimbursements. I have told all my friends who have pets about your company. I also encourage anyone who is considering obtaining pet insurance for their animals, to contact your company before making a final decision. I also think you should contact veterinarians and send them your brochures to put in their offices, as that is how I originally found out about you. Thanks, again, for being there for my three dogs. Sincerely, Patricia

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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