ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,095

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: Robin Knowles

Happy with coverage

I bought ASPCA pet insurance for my 3 rescue dogs last year. It has been a very positive experience for me so far. I was not expecting to need to use it so soon or so often. My hound mix has had skin and ear issues among other things. After meeting the deductible ASPCA has paid all claims with no problems. My bulldog mix tested positive for heartworm, and again after deductible all claims for his treatment have been paid. Most claims have been paid within a week, there was one that took several weeks. ASPCA pet insurance bases their rates on breed as well as age and the rate for my bulldog was almost twice as much as for my hound dog even though the hound is a year older. Overall I am very happy with my choice and will continue to use ASPCA pet insurance
5

out of 5

POSTED: | BY: Terrence Rand

Monthly premiums are great

Monthly premiums are great, easy to file for a medical claim, friendly and excellent customer service. No complaints, all positive comments.
3

out of 5

POSTED: | BY: Linda Smart

NOT WHAT I EXPECTED FROM ASPCA

ALOT OF THINGS ARE CONSIDERED PREEXISTING THAT I DID NOT FORSEE AND THERFORE NOT COVERED. ALSO HUGE HIKE IN PREMIUM WITH NO EXPLANATION. WHEN I CALLED AND SAID I WAS A SENIOR ON FIXED INCOME, NO SYMPATHY. NOT WHAT I EXPECTED DEALING WITH ASPCA.
5

out of 5

POSTED: | BY: William Demes

Great peace of mind knowing my best…

Great peace of mind knowing my best friend is covered and can get treatment when needed.
4

out of 5

POSTED: | BY: C.B.

I give a 4 stars because

I give a 4 stars because, while they've been really good to me and my pets and their needs, it would be nice if they were more open to herbal remedies, particularly CBD based ones. But this goes for all Pet Insurance agencies I've been told.

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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