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: Shirley Irwin

A life Saving investment

I have had pets health life and Accident Insurance on my beagles and cavalier King charles spaniels for the past ten years ,I would never go without it ,I have had several happenings over the year, as I have 6 dogs ,My one beagle was diagnosed with the walls of her gall bladder bursting ,this was not a cheap surgery but with my insurance I recieved back 1500.00 of the 3,000.00 the specialist had charged me . Another occurence was my other beagle who was feeling sick ,so he had no grass to eat as that is what dogs seem to want to do when they feel nauseated , to throw up ,so he chewed on the towel in his crate and ate several pieces ,well the next day I was at the emergency room with him for a blockage of his intestines ,again I saved at least half of the cost with the pets health insurance ,I pay about 89.00 a month for 5 dogs which is cents compared to what I would have to pay, god forbid something happens to my little companions . They are my life, my best friends, and my family and I do for them what I would do for my human family ,as they bring me so much love and ask nothing in return except to be fed and loved ,I would have it no other way thankyou pets health for being there for my furbabies shirley Irwin Meadowland Beagles and Cavalier King Charles Spaniels
4

out of 5

POSTED: | BY: Toni Delacorte

Good for older pets

I signed up my two older Golden Retrievers with Pets Health almost four years ago becuase I trusted the ASPCA to affiliate with a reliable insurer. While there have been a few problems with my claims, I could always find a supervisor willing to help and everything was resolved happily. I am thankful that I can afford to provide excellent medical care for my old Golden girls with the help of Pets Health.
5

out of 5

POSTED: | BY: Melanie Mayo

satisfied customer

I have many pets and have had Petshealth for more than 10 years. I have had 3 dogs with cancer. The Petshealth insurance has been extremely helpful especially when I have had a serious illness to deal with. While every person with insurance wants more money back on their claims I have found this group to be fair. I have been satisfied with their service for more than a decade now.
1

out of 5

POSTED: | BY: Regina

Hartville is the Bernie Madoff of Pet Insurance!

Hartville Group is the Bernie Madoff of Pet Insurers! I have had this pet insurance since my 2 puppies were 4 months old. Never placed a claim with them for the first 10 years of my dogs lives. Unfortunately one of my little ones (maltese) got sick this past July, 2009 and just passed away Dec 2, 2009 @ the age of 11 1/2. Their insurance policy ran from August to July so it was renewed August, 2009 and now they refuse to pay the refund because of the "pre-existing condition in a prior insurance period." I made sure those dogs health insurance was paid while I was unemployed and for what?! Being treated like this! I don't think so. I'm considering legal action and would like to hear from anyone else interested in joining me. I'm also going to FACEBOOK, TWITTER and post anywhere and everywhere I can so this information goes viral on how corrupt this company is! I'm also going to inform the VCA and every other veterinary medical school and pca about this company. They were happy to take my $11K over the past 11 years for these dogs yet don't pay anything back in return? I think not! Please post if you wish to join me in letting every pet owner in the United States and world wide NOT to insure with HARTVILLE Group! (The Bernie Madoff of Pet Insurers!)
4

out of 5

POSTED: | BY: Sarit

Lucky we got it

My husband laughed at me when I insisted we get pet insurance. 6 weeks after we got our puppy, she broke 3 toes....without pet insurance we would have a huge expense...luckily ASPCA covered our bill...just FYI, the vet we went to was very overpriced and pushed medications that were not needed. the vet hospital in Valley Stream NY. had we gone to a more reasonable vet, our bill would have been covered even more

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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