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.
5

out of 5

POSTED: | BY: RON E.

I prefer speaking with someone to get a…

I prefer speaking with someone to get a full understanding of the pet insurance policy. ASPCA handled this great. Both my dogs are now insured.
5

out of 5

POSTED: | BY: Jessica

Very nice customer service

I love this insurance. I have recommended multiple times to people.
1

out of 5

POSTED: | BY: Suzanne Dezelan

Sadly, One of The Worst!

My family has had over 11 years of experience with this pet health insurance company and throughout those 11 rollercoaster years they have been less than satisfactory. After doing my research and speaking with multiple pet owners, vets, lawyers and other insurance companies, ASPCA Pet Health Insurance has inadequate and outdated policies which luckily for them, cover very little in your pets health. They conspicuously leave out some of the most important aspects of a pet's welfare and allow you to pay an exorbitant amount of money for insurance that has a lot of inconsistencies and holes. We will never regret providing the necessary healthcare to our dear boy Hance, no matter what the cost, but we will certainly not be using this company for any further assistance. There are many other pet insurance companies that are honest, forthcoming with information, with better and more complete coverage and are less expensive than ASPCA.
5

out of 5

POSTED: | BY: Sima

Excellent service and user friendly

They provide an excellent service each time. I have been with this company for over 10 years.
5

out of 5

POSTED: | BY: Melanie

I never really thought I would use it until ...

As a first time dog owner I was naive to all that is involved in caring for a dog. My dog became a member of my family (not just a pet). Trouble started right away unfortunately, my puppy Tommi Bahama kept getting urinary trac infections. We tried 4 different meds to finally get rid of that. Very soon after though we noticed she wasn’t walking right, yep, hip dysplasia! She needed a new hip and was in some pain. I was totally devastated. I found doctor to do hip replacement surgery. Thank goodness for the pet insurance through ASPCA. The monthly fee is nominal compared to what my veterinarian bills were. Believe it if not, as she was healing from her hip surgery she broke her leg. Again, thank goodness for my pet insurance through the ASPCA!

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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