ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,254

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: Kris

everyone should have coverage

The best thing I did was to finally get pet insurance when I got my newest cats. Cats can hide sickness till it's almost too late to do anything which can easily leave you with a large bill that even if you want to do all you can without insurance you can't. I work as a Vet Tech so I see this A LOT so I wonder why it took me so long but now That I have it I am so glad. My young 1 year old was diagnosed with heart disease and my 9 year old hyperthyroid. I am thanks to insurance able to have Steven treated with I131 to cure him so he doesn't need daily drugs 2Xdaily for the rest of his life and for Cloud I was able to have the doctors throw every test in the book at him to figure out what is going on. I have peace of mind to know I can give the best care I can afford to my cats cause I have the coverage to.
5

out of 5

POSTED: | BY: Matt

No complaints

I had an emergency vet visit that was covered per my plan. I sent in the required documents via the website and received a reimbursement check for the appropriate amount. It was that simple.
5

out of 5

POSTED: | BY: Nadine

Easy and affordable

So simple to purchase and use. No hidden fees. Easy reimbursement. Everything I could hope for in an insurance plan
5

out of 5

POSTED: | BY: Amy

Phenomenal Insurance

After Maia had an emergency issue eating a toy at five months old, we realized she probably needed insurance. And it has been the best experience! There is never any hassle when it comes to submitting claims, whether for emergency visits for ear infections or her heart worm medicine with the preventive care coverage. The app is extremely easy to use and manage and I recommend ASPCA Pet Health Insurance to anyone who is looking to keep an eye on the health of your pet.
5

out of 5

POSTED: | BY: R.H.

petshealth care plan, i rate them 10+

I have been with PetsHealth a long time and they have been excellent. Now name is Hartville Pet Insurance, underwritten by C&F Insurance Agency, inc. I rate this pet insurance with PetsHealth 10+.I do not recall ever a negative issue with them. The customer service has always been excellent, as well as the follow ups etc.. I have two {2} dogs insured and service for both has always been excellent.
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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 Insurance detail
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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