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.
3

out of 5

POSTED: | BY: B

ASPCA pays 60% of total claims.

We were sold a great dane with terrible health problems by a dishonest breeder. We racked up over $3,500 in vet bills in less than 6 months. Aspca fought us every step of the way, and drug our claims process out. They ultimately paid out 60% of the claim. Not bad for $9 a month policy. We got another dog and I don't think I will go back to them though. Thinking of trying VPI.
1

out of 5

POSTED: | BY: Lee Ann

Worst company ever!

I have had this insurance company for almost 8 yrs now. My three oldest cats are 14. Through out the years when i filed a claim..(which was practically never)..this company never wanted to pay..they used everything they could to not pay and finally if they did it wasn't the 80% of what i was owed it was more like 1% when they got done tearing the claims apart. Last year i changed my 3 younger cats over to another insurance company..my older ones i had no choice but to stay with petshealth. The last claim i made was a legitimate claim for a sick cat..the company said that this was for a pre existing condition...(my cat is a kidney failure cat)..i never filed claims on this after the first year knowing it wasn't covered after the initial policy period..(which is ridiculous anyway). Okay,,so my cat was vomiting from eating some plastic..the vet did some xrays and bloodwork..this company said the blood work wasn't covered and my vet charged to much for the xrays..THIS TIME.. i fought them for my money..reported them to the better business bureau. NOW>>>i get registered letters in the mail stating my cats will no longer be covered and they are not renewing my policies. Because of my cats ages i can't get coverage for them anywhere. All this company wants to do is take your premiums and when it comes time to pay anything at all they try to find all the ways to get out of paying. Save your money and put it away for your pets emergency because with this company you'll have no money and no reimbursment for anything either.
5

out of 5

POSTED: | BY: Madelon Kelly

Facing large vet bills

Last summer I was walking with my thirteen year old pointer mix, Barkis, when he unexpectedly yelped in pain and didn't want to put any weight on one of his back legs. An X-ray revealed that he had actually broken his leg; he had bone cancer. It was a devastating diagnosis. After leg amputation and chemotherapy, however, he is now playing in the snow and enjoying every day with inspirational gusto. Without insurance, it would have been very difficult for me to face the magnitude of the vet bills. I am so grateful that he was able to get the very best medical care, and that Barkis continues to be such an important part of my life. Thank you.
4

out of 5

POSTED: | BY: Denis M

ASPCA/Hartsville has been the best investment !!!

One comment I must make has to do with review sites in general. Negative reviews will always be the worst cases imaginable and usually outnumber positive responses because it is human nature to complain rather than praise. Anyways, we have had ASPCA for our 3 dogs for just about two years. We have filed numerous claims and most have been accepted. The denied ones were for reasons stated in the policy. Even the ones that were accepted were reduced somewhat as it always is with insurance. But over the last two years we have been reimbursed 3.5:1 versus our premiums. We have had claims for infections, viruses, cancer and bloat all reimbursed proportionally. In my opinion, any reimbursement over and above the premium is a good investment. Would I get pet insurance for one animal, probably not. I would rather save money in a pet emergency fund. But when you have multiple pets, insurance is a great safety net especially if more than one pet gets stick at the same time.
5

out of 5

POSTED: | BY: Dean

A Pet Insurance Company that Plays Fair

To the Petshealth Customer Satisfaction Department:Thumbs up to Petshealth for providing such good service during the past year, which has been a tough one for my cat Heathcliff. I thought I'd take the opportunity to report back to you with the good news that he's bounced back from his three illnesses and is doing great now. On the renal failure front, he's been asymtomatic since a re-check on 07/07/09 (confirmed in a regularly scheduled check-up on 10/30/09), and his last treatment for it dates back to 07/07/09. As for his ulcer, he has been asymptomatic as of that same 07/07/09 re-check (also confirmed in that same regularly scheduled check-up on 10/30/09), and his last treatment for it was 10/23/09 -- we had continued with treatment as a defensive measure since July. Finally, he's been asymptomatic re his gastroenteritis/pancreatitis since that same regularly scheduled check-up on 10/30/09, and his last treatment was 11/27/09 -- again, we had continued with it as a defensive measure since October. Petshealth's service has helped to defray a significant part of the costs associated with these three illnesses. I am very glad to have had this help, and wanted to share the good news of Heathcliff's recovery on all three fronts. Sincerely, Dean

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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