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: D. LaValley

Thank Goodness!

I got home from my summer vacation & noticed my furry friend ,Casey, was not himself. Maybeit was because he was upset because my Mom & I were gone for a few days. A couple of days later I noticed blood on the floor near his litter box. Long story short, my Casey had a blockage in his urinary system. Being in healthcare, I know this can be not a good thing in people & deadly in felines. It also can be very costly. I've had ASPCA Health Insurance for a few years on "My Boy" and never really used it. Casey was 4 at the time. He needed surgery to remove the blockage and stay at the Vet's for a couple of days. My Mom (83 yrs old) & I were so devastated at the fact that Casey was going to have to go thru this and potentially not have it work. But it was going to cost about $2000. Needless to say ASPCA covered 80% of all his hospital expenses plus follow up visits. I have the Advantage plan which costs about $30. Oh my goodness what a lifesaver to Mom, myself but most of all our Casey. When I tell people I have Pet Insurance, they at first think I am crazy. Then when I tell them about Casey surgery and all that happened, they think about it. Casey, my 20 lb Main Coon baby, is doing well. He is on a presciption diet to help him with his Urinary Tract. I am so glad I have this insurance and am thinking of adding on Continuing Care when My Friend gets older and may need extra care. Thank you so much ASPCA for making it easier for us animal lovers to take care of the Pets that we love. Also submitting a claim is so easy,
4

out of 5

POSTED: | BY: Mariko Kaga

Peace of mind

Hi, I have two cats and one dog who I all adopted from shelters. My dog had a very tough time when he was a puppy and I ended paying thousand of dollars for his medical expense. Then I heard of animal health insurances and checked a few. I knew the name ASPCA through Animal Channel on TV and understood what they do with animals. So, after studying a few insurances, I decided to go with the ASPCA Pet Health Insurance. One of my cats, Gonta, recently had a surgery. I had paid thousands of dollars for my dog in the past without insurance, and it made such a huge difference this time. The response was quick and it gave me such a peace of mind. Thank you!
4

out of 5

POSTED: | BY: Cheri Hagen

Glad I have the coverage

While it's true that Petshealth Insurance won't cover everything, I have been fortunate to have the insurance. They have covered numerous knee surgeries, blockage surgeries, masectomies and a variety of other illnesses. They've been there through the rough times of having a dog with mammary cancer (she lived a year after diagnosis and had two surgeries)and they've been there through the accidents (an unfortunate rock eating incident). I have a dog covered who is nearly 13 years old and a dog who is less than 2. They've never denied my dogs coverage but have explained the length of time they must be covered before insurance will apply for certain conditions. I recommend them to anyone who is looking for pet insurance.
5

out of 5

POSTED: | BY: Bonnie

I am so thankful for my ASPCA Pet Insurance

I own a golden retriever and pembroke welsh corgi, and insured both of them with ASPCA a little over two years ago. I thought it was a good idea, but never imagined how good. The company where I worked for 28 years decided to close, and I lost my job this year, so money was tight. I almost lost my corgi early in the year to an intestinal obstruction. Fortunately he pulled through and is doing well. It's amazing what those little guys will eat. Without the pet insurance, I don't know how I would have paid that vet bill. To top it off, my corgi unexpectedly tore his cruciate ligament later this year. Again he did well with the surgery, with another big vet bill. And again, my pet insurance came through with flying colors. I will never be without pet insurance in the future, and will definitely stay with ASPCA. My claims were processed and paid very quickly, with absolutely no problems.
4

out of 5

POSTED: | BY:

Good, but could be better

I bought pet insurance for my husky mix 2 years ago because I knew I could not afford vet bills if something major happened. I got basic accidental insurance and I am happy with the rate. My dog recently tore his ACL and needed surgery to fix it. I paid the bill, submitted it to the pet insurance company, and received a check a couple weeks later. It was easy and I found the customer service reps were friendly and helpful. I only have a few complaints. First, I did not receive the total allowance for my vet bills and still ended up paying $600. The reason was because they said the cost was too high and I could have gotten it cheaper at a different office. However, I visited 4 vets in my area and I went with the vet that charged the least amount. I'm not sure how it could have been any cheaper, as there are only two orthopedic vets in about a 100 mile radius of me and both charge the same fee (the difference in the amounts was the vet office fees for x-rays, etc), but at least I got most of the surgery covered. My second complaint is that certain injuries are not covered until you are with the insurance company for an allotted amount of time. I was lucky that injury did not occur a few months early, as I would not have been covered, even though I was way past the normal 12 month mark. However I will continue to insure my dog with 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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