ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,676

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: Krista Emis

I love this insurance company!

I really enjoy have Pet's Health Care Plan for my two dogs. It's economical and reassuring to know that my dogs' medical needs will be taken care of. 3 years ago I lost a dog to brain and bladder cancer and was so grateful for having pet insurance. I was able to give my dog the treatment he needed without having to worry about the cost. When he passed away, the office staff sent me a condolence card; which really meant a lot to me. It's easy to file claims with Pet's Health Care Plan and it doesn't take very long to get reimbursement.
1

out of 5

POSTED: | BY:

i tried it, did not renew, was a waste of money

don't waste your money on this one. i tried it, turned it claims, was always turned down, but they wanted to renew and take my money again, but i cancelled. won't ever use this one again
4

out of 5

POSTED: | BY: Melissa

Saved Us

My American Bull dog (2yrs old) has had a number of health issues and I honestly don't think we could have saved her if we did not have this insurance. Thank you ASPCA!!!
5

out of 5

POSTED: | BY: Vince

Saving Dottie Rose

Dottie Rose is a six year old pit mix dog. She had suddenly became lame in her rear leg. After going to three different vets, she was diagnosed with a torn CCL which requires surgery to repair. Because of her breed and age,the surgeons recommended that Dottie have a TPLO operation which is the most expensive option available to correct her lame condition. Without ASPCA Pet Health Insurance we would not be able to afford such an expensive procedure. The doctors felt that any other procedure would be less effective given her activity level and type of breed. I am very grateful for the quick response of ASPCA Insurance in helping Dottie and me get through this very long and trying experience.Thank you guys at ASPCA for being there when we needed you most.
5

out of 5

POSTED: | BY: Kelley

Excellent Pet Insurance, Caring Staff

We adopted Bella from our local animal shelter when she was 4 months old. She LOVED chewing on rawhide (which was a nice alternative to my shoes...), and when I tried a new brand that had a chicken flavoring, she gobbled it up! Unfortunately, the chew did not digest properly, and she developed an extremely serious case of pancreatitis that landed her overnight in the emergency room, with 2 more half day follow up stays at our vet. The entire procedure was quite costly, but happily our insurance covered about 50%. The ASPCA staff was very helpful in assisting me with filling out the paperwork, and answering my questions, and the entire claim was paid off in a matter of a few weeks. Veteranary care, as I've discovered, can be very expensive. I'm so glad that my Dad talked me into enrolling in a pet health insurance policy for our pets. His dogs were too old to be eligible for insurance when they developed ongoing conditions that continue to be very costly. I now have insurance for both of my pets. Thankfully Max, our other dog, has been very healthy, but I have peace of mind knowing that both Bella and Max are covered, and that we belong to such a caring pet health care plan. I recommend ASPCA highly.

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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