ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,145

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: Angela

The customer sevice team is very …

The customer sevice team is very helpful and consciousness of my claims and concerns. I would recommend the ASPCA pet insurance highly to anyone seeking health care for their pet.
5

out of 5

POSTED: | BY: Cathy

Sticking with ASPCA!

Excellent product, customer service, claim processing and professionalism.
5

out of 5

POSTED: | BY: Darlene

Pets Health Care Plan has always been there for me and my pet

I purchased pet insurance through Pets Health Care Plan 11 years ago when my Golden Retriever was a puppy. Unfortunately, my dog started having serious health issues at 13 months of age. Over all she ended up with 4 hip surgeries along with other typical ailments. I can honestly say I don't know how we would have managed without her insurance. They paid a substantial amount throughout the years helping me take care of my dog. I highly recommend Pets Health Care Plan Insurance.
5

out of 5

POSTED: | BY: Cheryl

Peace of mind and affordable

I have the insurance on both of my labs, and was hoping to never need it. My one lab got into an entire pan of brownies that were infused with Ghiradelli chocolate chips. After an hour of non-stop vomiting and diarrhea, I took him to the local emergency clinic and did not hesitate. The bill was about a $1000 in all after an overnight stay, IV fluids anti emetics and cardiac drugs. They paid it at 90% of my invoice, less my $250 deductible. I highly recommend this insurance to anyone that is looking. No hidden disclaimers or small print. They are full disclosure unlike others I have used!
5

out of 5

POSTED: | BY: Jeremy

Piece of mind

We have had ASPCA pet insurance for our three dogs for over eight years. During that time we have found ASPCA to be efficient in its processing of claims. For the most part, we have had claims processed without questions and the reimbursed amounts have been fair. Thankfully, all but one of our claims have been for minor health issues and at a cost we could have paid without having insurance. However, one claim involved surgery and the removal of a foreign object one of our dogs ingested. That claim exceeded $5K and would have been difficult to cover without reimbursement. Bottom line: we would do anything for the well-being of our dogs, and having ASPCA pet insurance has provided the piece of mind that we make good on our commitment to them.

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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