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: Nicole

ASPCA Pet Insurance

I have ASPCA pet insurance for my two dogs, Connie and Cheech. Cheech is 2 years old and Connie is 8 months old. I have had to make 2 claims for Cheech and thus far have been very satisfied.
4

out of 5

POSTED: | BY: anon

NA

As with any company you will have negative and positive experiences. My experience with ASPCA has been positive thus far. I have 2 senior cats and a new baby. I only wished I had bought the insurance before on my two other cats, whom are now deceased. My cat Mandy developed liver disease and had I had insurance it would have help me with the costs incured with her illness. Also my other cat Ember suffered from Lymphoma then kidney disease from the chemo treatments. If I had the insurance it would have helped, even though there is that little clause that states more treatemtn will not be covered with in a 12 month peroid after diagnosis. Even so any help would be great. I paid out of my pocket for her chemo treatments and kindey meds/treatments over 2.75 years at least $30,000. Had I had insurace that number would have been less. I only wish that they come up with a way that the Vets can submit your claim for you with the reimbursement being sent to the Vets and where we pay a co-payment every visit. I do think that when this happens more and more people will purchase pet insurance
4

out of 5

POSTED: | BY: Nancy

Pet Health Insurance Worked For Us

My testimonial: When we picked up our puppy Nelly from SPCA, we thought it might be a good idea to look into pet insurance. Our first dog, a Border Collie named JJ, had been diagnosed at a young age with hip dysplasia, but we had no insurance for him, and treatment was costly and continued throughout his life. JJ is now 12, and has cancer of the kidney. Thanks to the health insurance we did purchase for both dogs last year, we have been able to recoup a good percent of the costs of his care during his final days. Purchasing pet health insurance with ASPCA has turned out to be a good move for us. Just as human health insurance helps to reduce the financial burden of care, this product for our pets has made a big difference for us financially. Pets can become sick or injured, just like we can – and it’s nice to know there’s help out there when things go wrong. Thank you ASPCA!
5

out of 5

POSTED: | BY: Gloria Smith

Insurance to prolong my Dog's life

Because of this insurance I can afford Diabetes treatment for my 12yr old female Blue Heeler/Spanial dog. In the past I have had to put cats to sleep because the cost to treat them was too expensive. ASPCA makes sending in forms easy and fast. Also they provide many levels of insurance coverage, the monthly payment is well worth the life of my companion. Even when I had a surgery and was a couple weeks late on my payment they got me back on track without losing coverage for Coqui.I just got my first receipts into the office. When I called they looked up my documents to tell me they were in process. I think it is important to cover your pet with insurance because they are part of your family.
5

out of 5

POSTED: | BY: Stan

A literal lifesaver for Duchess.........

This insurance has turned out to be a better investment than my healthcare insurance, dollar for dollar. I've had dogs most of my 63 years, but never got pet insurance until the summer of 2008 when I made the decision to buy some for my female pitbull Duchess. I found Duchess in the woods in GA about 5 years ago. She was in poor condition, having been overused for breeding and fighting purposes. She recovered from her injuries and severe heartworm infestation and was healthy until later in 2008. She was attacked by a much larger and younger male pitbull and suffered many deep bites and lacerations before I retrieved my gun and killed the other dog. I took her to pet emergency where she was stabilized and kept overnight. The next morning I picked her up and took her to our regular veterinarian, Walt Gregg, who did the surgeries that morning. The bill from both facilities was more than $1100.00. I submitted the billing, a copy of the medical records and the claim form to ASPCA Insurance via fax, got reimbursed more than $650.00 and the check arrived within a couple weeks of when I submitted the claim. It was better service than from my own healthcare insurance plan! Had that been the only time I needed to use the insurance it would be worth continuing to pay the small monthly premium anyway. But, in late October 2009 Duchess stopped walking. The expenses really were not that much so I was not going to file a claim for them. Then, after two months of no improvement I was referred to a neurosurgeon and as part of the appointment, Duchess had a MRI. Ultimately, I submitted two claims to ASPCA Insurance that totaled more than $2800.00, this time emailing the claim! Being able to either fax or email the claim saved so much time and effort! I received $1500.00 reimbursement and it again arrived within a couple or three weeks. If I did not have this insurance I could not have afforded to get the MRI for Duchess and consequently she would not have gotten an accurate diagnosis. Moreover, her condition was so bad the day I took her for the appointment and MRI that had I not gotten good news I was going to put her down the next day. But, knowing I had coverage and what the limit was ($1500) I was able to get the treatment Duchess needed and now she is very much improved. So in a very real way, Duchess is only alive and now enjoying her life because I had ASPCA insurance. For her it was a virtual life saver!

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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