ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,674

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: Charlie Kim

They pay low claims

I have had them for the past few months and my first claim was for 80% of $500 and I only received $20.00! The next two claims were just as weak. What a rip off. Nothing is covered as what is stated and they have so many excuses of why it's not covered.
4

out of 5

POSTED: | BY: Jean-Paul Rudell

Very satisfied with insurance

I am writing to thank you for your excellent health insurance for my pet. I have been a customer of yours for over 3 years and I have never had difficulty having a claim paid under my value plan. But what is most important to me is the peace of mind of knowing that I would never have to make a medical decision for my valued friend based on whether or not I could afford the treatment or procedure.
5

out of 5

POSTED: | BY: Rebecca

Very good for those big, unexpected events

When my eight year old Vizsla mix was diagnosed with multiple mast cell tumors, we were overwhelmed with worry about our beloved pet, but also worry about the cost of his care. Our plan with ASPCA covers 80% of "reasonable" costs. Since we live in a very expensive metro area,we were certain that 80% of "reasonable" would equate to about 15% of the actual cost. I was so pleased (and quite frankly surprised) to find that in total, about 65-70% of our costs were covered--certainly more than we have paid in premiums over the years. Also, the ability to submit the claim forms online and have them processed within a week or two was great. The customer service reps were very helpful whenever I called.
5

out of 5

POSTED: | BY: Sharon

Wouldn't be without it!

I have had pets all my life and never owned pet insurance. We have a 10 year old lab mix. Best dog ever! We are so attached to her like many pet owners. Last month she became so ill we didn't think she was going to make it. We would have done anything to save her. After wonderful care from the emergency room she is back to normal. With the economic downturn and all the costs it was hard enough but with the ASPCA Pet insurance, made things much more bearable. Wouldn't be without it.
5

out of 5

POSTED: | BY: Mary Rojeski

I recommend ASPCA pet insurance

I purchased ASPCA pet insurance for my 2 cats when they were 11 years of age for a very reasonable amount per month for both of them. About 3-4 months after recieving the coverage one of my cats got very sick the ASPCA reimbursement was very welcome! They have come through for me and the cats time and again. An added note, all of the people I have talked to at the ASPCA have been so very nice, caring and really helpful! And it is nice to know that some of the money goes to help the ASPCA.

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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