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: Mags

Ten Years of Coverage

Our spunky Yorkie, Pumpkin, turns ten this month (April 30) and has been covered since she was a puppy. She's had many ailments over the years, in fact, her private "folder" in my desk is twice as thick as my beautiful Cocker Spaniel, who lived 16 years with us. Pumpkin experienced kennel cough, worms and hypothermia when we took over her care as a puppy. Our Vet is wonderful; she recovered and we had no problem with our pet insurance (Petshealth Care Plan). Recently, we discovered a small growth on her eyelid. It was the weekend, and I planned to call the Vet Monday. There was deep snow on the ground and Pumpkin loves scooting around and burying herself in the snow - however, she came up bleeding profusely. It turned out to be a small (benign) tumor. When she had her surgery, I also had her teeth cleaned. I am so thankful I had pet insurance, because it was over $1,000. My Vet broke down the costs separately for the insurance company. I received my check in weeks and was satisfied. I am also thankful that the insurance will cover Pumpkin for the rest of her life. I have recommended this company to friends and will continue to do so. Thank you for your support for the past ten years - we really appreciate it!
1

out of 5

POSTED: | BY: Miranda

False Advertisement

They advertise that they'll 80% of vet's bill but in actuallity they pay 80% of what they think the procedure costs...and i dont know where they get their price lists from...
5

out of 5

POSTED: | BY: Anna Blacksten-Plantz

Outstanding, pet and customer oriented

We have a Newfoundland puppy who weighs over 160 pounds, everything costs more due to his size He is very healthy, but the claims we have had have been quickly done, and we are very satisfied with our insurance
4

out of 5

POSTED: | BY: Suzy

Wonderful company and partner in my dog's health

My 9 year old Brittany recently went through a period of almost daily vomiting and diarrhea. After several months of testing with no progress and difinitive diagnosis, she was finally diagnosed with IBD. Having insurance was enormously helpful in getting her treated until we finally knew what the problem was, and she is happy and well today.
4

out of 5

POSTED: | BY: Helen Soufl

Glad we have ASPCA pet insurance

It's great that we can buy pet insurance at a small fee per month, depending on your plan. With our 2nd dog we bought from a shelter, we weren't sure of her background. We were glad we purchased insurance from ASPCA, because our dog started seizures. We had to have an MRI and spinal tap done. At first they refused and said it was congenital or genetic. I did get our vet to send them a letter in which it was stated it was idiopathic epilepsy. No problem getting reimbursed our percentage after that.

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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