ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,250

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: larry

petshealth is an excellent ins, cover. for my dog.

petshealth has eased the burden in seeing to the medical needs for my dog tubbs an 8 year old black pug. he has had the coverage since about 7 months. he has been a healthy dog for the most part. at times when medical intervention was needed petshealth stepped into the breach to ease the the cost of care. petshealth is highly recommended.
5

out of 5

POSTED: | BY: Annette

Fair and honest principles, easy to contact

My Siamese kitty Ichiban has been insured by ASPCA Pet Insurance since 2007, and has had several medical issues over the years... couple of tooth extractions, 3 or 4 allergic reactions (who knows to what!) and one emergency toxic reaction, probably to some kind of poisonous chemical that was used on a plant or for vermin control. Although I never let him outside alone, I do frequently walk with him on a leash, and he likes to sniff everything, taste-sample certain plants. In each instance, ASPCA paid just what I contracted for, without a "runaround" or some surprising exclusion that was not in our original contract. Any question I had about their benefit payment, the well-defined EOB statement they send, was answered clearly and without delay by a trained and professional human being, and I had no problems reaching one by phone. And it seems that everyone I have communicated with at this company is truly an animal lover! I am very thankful and relieved, to have this excellent, reasonably-priced insurance.
4

out of 5

POSTED: | BY: PJ

Good insurance, paid promptly with no hassle

I bought insurance for my 9-year-old lab because I knew as she aged she was more likely to have more costly vet treatments. We had two occasions to use it in the first year, and both times ASPCA paid promptly with no hassle or surprises. Customer service was very knowledgeable and helpful in explaining the coverages, as well.
1

out of 5

POSTED: | BY: Debra

Extreme disappointment

5 yr old greyhound had an issue with a rear toe. Dog seen by vet on 2/14. We were not in a hurry to amputate a toe unless absolutely necessary. Plan renewed 3/1/12, surgery on 3/30 no covered because we didn't have it done before May 1st. So much for not rushing into chopping off a dogs toe. Because of a 14 day gap, claim denied. A lot of BS !!
5

out of 5

POSTED: | BY: Michelle

Raisins + German Shepherd = $$$$$

When I adopted Baby I decided to get her insured. I did a lot of research and found that ASPCA offered the best coverage for older dogs at the most reasonable price. So decided to go with ASPCA. I believe it was a very smart decision. When I came home one night to find that my GSD had eaten a bag of raisins out of my purse, ASPCA was very helpful and kind. Baby had to spend the weekend at the emergency room racking up a huge bill. It would have cleaned me out if it hadn't been for ASPCA Pet Insurance. I never had a problem getting someone from ASPCA on the phone. Everyone seemed to genuinely care about Baby's well being. I got my reimbursement check in a timely manner, so instead of having to pay around $1300 for Baby's emergency care it only ended up costing me around $400 out of pocket. I would highly recommend ASPCA Insurance, for the piece of mind knowing that you and your pet will be well taken care of if anything should happen.

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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