ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,147

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: Karen

I am very satisfied with Hartville Pet Insurance

I adopted a rescue dog from the HS where I am a volunteer. I didn't have a dog in 30yrs and things have changed with pet care now. I decided to take out the pet insurance to see if I would use it. The young dog I adopted has allergies and I have to give her one pill a day. The insurance covered must of the cost of the pill. She also had a yeast infection and those pills were covered also. I am happy I decided to get the Pet Insurance and now I don't want to be without it. The Hartville answers any questions you have, processes your claims in a short time and I am very pleased with them.
4

out of 5

POSTED: | BY: Karl

Taking care of Mom's baby

My wife wanted to get back to having a pet after she retired. She got a very pleasant daschund mix and is very pleased. It's also a great comfort that she / we don't have to hesitate to have any necessry heath issue addressed. This is true because we got healthinsurance for her (the dog). While nothing is perfect financially, getting a good portion of what we layed out back is certainly helpful.
3

out of 5

POSTED: | BY: Amber Holt

What you market and what you actually …

What you market and what you actually cover is misleading we have 3 dogs and have prime and unlimited coverage ... of yet many things are excluded that are told were covered either through advertising or over the phone with customer service , staying with you but still shopping with other services at this time who appear to show better coverage and do what they market
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5

out of 5

POSTED: | BY: Delisa

I had a great experience

I had a great experience, very happy with the outcome of our first insurance claim. A very easy process.
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5

out of 5

POSTED: | BY: Yolanda DAntonio

Reliable that what you need in a time …

Reliable that what you need in a time of need. Thanks for caring for our dog as we do!
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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 Insurance detail
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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