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.
1

out of 5

POSTED: | BY: wwwoolf

not worth it

Until I cancelled, I had repeated problems with declines for pre-existing conditions that did not exist. Ex. a decline for my dog's x-ray for a pre-existing shoulder injury - he did not have a shoulder injury. Another one - decline for vaginal infection as a pre-existing condition when her pre-existing condition was a bladder infection. Vet had to send corroborating info on every single claim, including clarifying the difference between a vagina and a urethra!! Compared to what I paid for 5 animals, they paid virtually nothing.
4

out of 5

POSTED: | BY: Jon

Wouldn't go without it!

My min-pin was bit by something as a puppy and at that time we didn't have insurance. I was out $2400 but it saved his life. At that time, my wife and I decided to purchase pet insurance and ASPCA was recommended by our vet. 2 years later, my same min-pin was bitten by a coyote and almost died. The vets saved his life again, but this time we had pet insurance. The vet bill was $1700, but we only paid $400. Thank you ASPCA, we wouldn't go without pet insurance again.
1

out of 5

POSTED: | BY: J

Disappointed and frustrated

My experience was not unlike the stories one hears about people trying to get insurance companies to pay out on human health insurance claims. I ended up wasting time with appeals and feeling utterly cheated and frustrated. The argument they made was that, because two illnesses share certain symptoms, the 2nd illness was simply a "pre-existing" condition from the day the first one manifested itself. While this is difficult to prove or disprove, it disappointed me that they were unreceptive to my vet's professional opinion that they were separate diagnoses. All in all, I felt that I simply handed the insurance company money and got nothing but aggravation when I needed them. I didn't get a dime back from them for either of the illnesses. Profits over pets, I assume.
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.

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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