ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,092

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: Roman Botyanovskyy

I love it it really helps us out a lot …

I love it it really helps us out a lot with medical costs. We have 3 dogs and ASPCA really does help us out, it's more affordable than AKC pet insurence.
5

out of 5

POSTED: | BY: James Morris

Definitely a great idea for more than …

Definitely a great idea for more than one pet.
5

out of 5

POSTED: | BY: Kathleen

Great support and customer service!

We have had ASPCA pet insurance since our Rudy was a puppy. It has been a wonderful asset to have at those times when an unexpected event occurs to our healthy and vibrant dog like accidentally coming in contact with a toxic fungal substance. We submitted a claim after the emergency and it was paid promptly. Luckily, our guy is doing just fine after that scare. In addition, we received a follow up call from Bob to see how Rudy was doing and to ask if we needed any other assistance at this time. That is a great service from an insurance company!
5

out of 5

POSTED: | BY: Anthony

ASPCA gave us a fantastic experience in a time of need

My dog, Wolfgang, had a disc rupture in his spine last year. Days after the first vet visit and initial treatment, things rapidly deteriorated. He was now paralyzed in his rear legs and we were instructed to take him to a facility that could perform emergency IVDD surgery to release the pressure on his spine. This was my puppy-- he'd been there with me through college, my wedding, and everything in between-- and now I was faced with a decision I'd never thought I'd have to make. Do you go ahead and perform a surgery that costs far more than you can afford? Or are you going to lose your best friend tonight? We had pet insurance on him (very fortunately!) but even then, what if this doesn't pan out? What if he doesn't pull through and we're stuck with a huge bill? We'd never used our pet insurance before, so we weren't exactly sure what to expect, but we rolled the dice, not knowing that ASPCA was stacking the odds in our favor the whole time. Wolfgang's surgery was successful. The rupture was contained, and the pressure on his spine diminished. We brought him home from the hospital a day later to begin the long journey of recovering. Then came the worst part-- now we have to make a claim and find out where we stand financially. My stomach sank when we clicked the submit button-- what if they don't cover any of it? What if Wolfgang never recovers and the insurance doesn't come through too? Did we make the wrong call? Well, if you couldn't tell by the title, it turned out to be one of the most pleasant experiences of my life regarding an insurance company. ASPCA made it easy to file Wolfgang's claim, and they kept us posted on the claim status the entire time. Within about a month, we were reimbursed for almost all of the surgery. It saved us financially, and moreover, it saved Wolfgang. He is still in recovery, and there's a chance he'll never regain use of his rear legs, but he's alive, inspiring, and one happy pup!
5

out of 5

POSTED: | BY: Sue

Considerate, Caring, and Timely

We have had ASPCA pet insurance since my spaniels came to me in 2011. Recently, my boy Triton got into a dead, rotten rabbit and went into gastric distress. After 24 hours on IV fluids and two sets of x-rays, he was released back home and recovered in a few days to his normal happy self. Within about 4 days of filing the claim, ASPCA deposited the appropriate insurance reimbursement into my account. As always, they called to check on my dog. Their service is timely, claims are easy to file online, and their considerate staff makes me feel like a valued customer. I encourage other pet parents to maintain insurance on their pets and I highly recommend 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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