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: Kim Turgeon

Peace of Mind

I can’t say enough good things about ASPCA Pet Health Insurance. While you always hope you’ll never have to use pet insurance, having it has given me incredible peace of mind. The reimbursement process has been straightforward and reliable, and what really impressed me is that they covered my dog’s hydrotherapy as part of recovery. Knowing that I can focus on my pet’s health instead of worrying about unexpected veterinary bills has been invaluable.
1

out of 5

POSTED: | BY: Laura Bub

Denied claims

I have have a level 3 plan my dog has a heart problem so far every medication was denied my dog had to go back for a recheck at the cardiologist it was denied again . What’s the point of having insurance?
5

out of 5

POSTED: | BY: Stephanie Reynolds

This is a really helpful and easy to…

This is a really helpful and easy to use pet insurance. I am thankful I have it.
5

out of 5

POSTED: | BY: Jessica D.

Good company

I have never had any issues getting claims reviewed and paid in a timely manner. The coverage is very comprehensive and they honor the terms and provisions of the policy. Cost is a bit steep but I have a older cat, relatively healthy, but who needs more than average vet visits. I would like to see a discount for longevity and loyalty. Overall, very satisfied with ASPCA.
1

out of 5

VETERINARIAN: Waverly Veterinary Hospital Inc.

POSTED: | BY: Courtney

DO NOT GO HERE

There aren't enough words to describe how devastated and upset I am with the treatment my 7-month-old puppy received at this clinic. Because of the care she received here, she is now fighting for her life at another veterinary hospital with a severe infection. We first contacted Waverly when we noticed a hard mass developing on the side of our puppy's face and neck. They agreed to see her, but instead of allowing us to meet with the veterinarian, we were instructed to drop her off and pick her up later. We never had the opportunity to speak with the vet directly. We were told through the front desk staff that it was an infected lymph node, so we followed their instructions and treated her with antibiotics for a week. Instead of improving, the mass continued to grow and her condition worsened. When we called back, we were again told to drop her off without seeing the veterinarian ourselves. After that visit, we were informed through the front desk that she needed emergency surgery. The surgery was scheduled three days later. We did not receive any update from the veterinarian until around 7:00 p.m., even though the clinic had closed at 5:00 p.m. We were told she had a difficult surgery and needed to stay overnight. We asked whether there would be overnight staff monitoring her after such a major procedure. The veterinarian told us there was no overnight staff and commented that we wouldn't be able to afford that level of care anyway. We trusted his judgment and agreed to pick her up the next morning. Our 7-month-old puppy was left alone in a crate for approximately 13 hours immediately after surgery. Over the following week, she continued to decline. Her incision became swollen, filled with fluid, and clearly wasn't healing properly. When we called the clinic for help, the front desk informed us that we were banned from returning and that the veterinarian would no longer see us. We were given no explanation. Two days later, we took her to another veterinary hospital for a second opinion. We were told that the surgery she underwent was unnecessary because the mass was actually a salivary mucocele, which they believed could have been treated much less invasively. She developed a severe infection and has now spent the last four days in the ICU fighting for her life. Our experience has been heartbreaking. Based on what happened to our puppy, I cannot recommend this clinic. No family should have to watch their young, healthy puppy suffer like this. Do not see James Galvin, I hope the board revokes his license here soon.

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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