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: Patty Morris

Happily Ever After

My Bull Mastiff is one of the largest blessings in my life. She developed a tumor on her leg that needed removal in a short span of time. I was very thankful to have Hartville Pet Insurance, because this was a situation that I hadn't budgeted for. Hartville Ins. was very prompt and paid for a big portion of the surgical expense. I highly recommend this Pet Ins. product and am thankful for their expertise and speed in handling my dogs claim.
4

out of 5

POSTED: | BY: LOVETTA

Don't leave home without it.

This is my first time getting pet insurance and so far I am happy with ASPCA. I have no other company to compare it to. I can however compare it to paying full price at the vet! Get pet insurance!!
4

out of 5

POSTED: | BY: Norman A.

Good thing we didn't cancel....

After paying over a thousand dollars to save one of my cats a few years ago, I decided to buy pet insurance for all my pets. Since my pets very seldom get sick, I had recently considered canceling their policies, but a couple of months ago, another one of my cats, Sabrina showed up with a bloody nose and was sneezing a lot, so I took her to my Vet; after a biopsy it was discovered Sabrina had an aggressive form of cancer. The tests and procedures were expensive, but not as expensive as they would have been had Sabrina not been insured. Sabrina is now doing better and the cancer seems to have gone away, who knows, perhaps the biopsy removed the entire affected area; I’m just glad she’s back to normal and even more glad I kept her insured. You don’t really appreciate pet insurance until you have that emergency you weren’t expecting.
1

out of 5

POSTED: | BY: Barbara

Terrible!

Absolutely NOT! This company has short changed me since I took the policy. An extended waiting period before the coverage effective. Now when my one dog has a condition that is unresolved and his policy needs to be renewed-they will no longer cover treatment! Where does this leave me? I am unable to get any new policyfrom any other company to cover a pre-existing condition and the ASPCA does NOT take care of their obligations. BTW, my dog has been receiving treatments only since Oct. '09 less than a year's worth!
5

out of 5

POSTED: | BY: Terry M.

Recommend ASPCA insurance

Since our golden was getting up there in age (8) - we decided to be proactive and get this ASPCA insurance that was recommended by our vet. It worked out well for us, as he did have a few issues this last year and ASPCA was very good about accepting the claims and paying on them. They did not pay the full amount - but a good portion. Hopefully none is needed for this next year - but we are covered and ready just in case.

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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