ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,683

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.
4

out of 5

POSTED: | BY: Nancy

Much better plan

I had VPI and the same experience with no pay or little pay. I have three shelties. I switched to ASPCA. After speaking to their representative for a long time he explained how they figure the charges and it definitely is better done this way than the way the others do it. Getting a check for $10 for a $200 bill is something I didn't like after the cost of the insurance. My oldest also has lyme disease and after one antibiotic treatment which was not enough, VPI turned all the subsequent treatments down and didn't pay anything. Rip off.
1

out of 5

POSTED: | BY: Sarah

Does Not Cover Chronic Conditions

My Puppy was enrolled in ASPCA insurance and ended up having pretty severe allergies. For the first year ASPCA was pretty good about paying on my claims. HOWEVER after renewing my policy (I never missed a day of payments) they told me chronic conditions like allergies are not covered after the first year!!! So if your pet gets diabetes, or glaucoma, or arthritis, or anything which is considered on going SORRY you are out of luck next year they won't pay for it. And then you are stuck because NO other company will pay on pre-existing conditions. Even the ones who say that they will only pay between 100- 200 dollars over the lifetime of the pet. PLEASE STAY AWAY!
3

out of 5

POSTED: | BY: Mary

Great for senior pets

Although I have had a couple of negative experiences with Petshealth, I must say that they seem to be the ONLY pet insurance company willing to insure older pets. They will insure dogs up to 13 years and cats up to 15 years. They will even insure the pet with their top plan, regardless of age, if there are no pre-existing conditions. I have a 13 year-old cat who has never been sick a day in his life. I was able to insure him with Petshealth under their most extensive plan. A few things to watch out for, though. First, unless you get their top plan that covers chronic and/or recurring illnesses, if your pet is diagnosed with some illness and/or injury in one plan period, as soon as the plan period renews, it is considered a pre-existing condition and coverage will stop. This is a bad deal if, say, your pet is diagnosed with cancer a week before your plan renews because in just one week, the coverage for the cancer will stop. That's crappy. Also beware that any congenital and/or hereditary condition is not covered on ANY of their plans. So, that immediately excludes a boatload of illnesses as there are lots and lots of disorders known in hundreds of breeds. But, again, if you need to insure a senior pet, this is probably the only option you really have.
1

out of 5

POSTED: | BY: Susan

Would not recommend

I've had pet insurance on my 4 dogs for only a little overa year, and so, I had very little experience with any of the pet insurance companies. 3 of my dogs are relatively young (1,2, and 5), but my 4th dog is 13 years old. Because of that, I had trouble finding a company that would insure her (besides basic accident coverage) but PetsHealthPlan said that they would, and, so, initially, I was ecstatic. They requested her medical records, reviewed them, and then, noted one pre-existing condition -- hypothyriodism -- which is quite treatable and just requires my dog to be on medication for the rest of her life. Other than that, she was in perfect health. Well, within 2 months of obtaining the insurance, this dog came down with gastroenteritis -- a $108 vet bill, and of that, $91 was applied to my $100 deductible. So far, I was impressed with Pets Health...but also note that they had NOT paid out anything yet, but they were taking my $50 a month premium. Then, a month ago she started coughing, and after doing bloodwork and an x-ray, the vet finally diagnosed her with inhalant allergies -- a $300 vet bill. I submitted a claim and it was denied saying that allergies can result from hypothyriodism, and so it was a result of a pre-existing condition. I told my vet about this, and she said NO, skin allergies can result from hypothyriodism NOT inhalant allergies. So, now I am appealing it and they are saying "they are looking into it". Finally, about 2 weeks ago, my dog fell and slipped a disc in her back. She had a $2500 back surgery yesterday, but PetsHealth is telling me that it won't be covered because back injuries(IVDD) are common for her breed. The surgeon says that he doubts it is IVDD -- she just simply hurt her back when she fell, which should be classified as an injury. PetsHealth says it doesn't matter -- her breed is prone to back injuries, and it's not covered. I am very upset with this company now. I see how they lure clients in, though, and it is very deceiving. Their biggest point of advertisement is the fact that their plans cover "wellness care" -- routine vaccinations, heartworm tests, dental cleanings, etc. The problem with that is that those things are relatively cheap -- maybe $150 - $200 per year. Most people get pet insurance to have peace of mind that the MAJOR things will be covered -- not just the $150 routine, annual exam. In addition, when I called to see if my dog's back surgery was covered, as soon as I told the customer service representative how much the procedure was going to cost, he became very rude and attempted to end the phone call as quickly as possible. In my opinion, this company is just one big scam. Their premiums are ALOT higher than the competitors, and they won't pay for a single thing once it gets past your deductible.
5

out of 5

POSTED: | BY: Miriam

Love it!

Each time I submit a claim I am always pleasantly surprised when I get a check in the mail! So many weird unexpected things can happen. It's great peace of mind. I highly recommend it.

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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