ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,059

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: Polo Luis

They helped save my pets life

I never had pet insurance before and was not expecting to need any soon but thought it would be prudent as my pet was getting older. As it turned out just three months into coverage she contracted pneumonia and required intense after hours emergency help. I am glad to say that after 2 months of treatments my Tallulah is doing much better and ASCAP Pet Insurance refunded 80% of all or most costs minus the deductible just as they stated they would in their policy. I had to call in to Customer service one time and the agent was very helpful and friendly. During this time I received two calls from their staff to see how Tallulah was doing. They have a very user friendly website and claim submission process and UI. Their claim process does take a long time, about 1 month for the initial claim and then 2 or weeks for additional claims from same original issue so that would be only room for improvement but I would still highly recommend.
4

out of 5

POSTED: | BY: E Jordan

Helping to save my dog's life

Thank you ASPCA for being so supportive and responsive in helping me make sure my 11 year old Rottie gets her cancer and chemotherapy treatments! She is doing great and we are thankful for you!
5

out of 5

POSTED: | BY: Stefanie Brown

Fantastic!!!

I got my Rudy when he was 2, he's 13 now, and up until about 2 or 3 yrs. ago he was healthy! Then his left ACL went, then his right, and now he has a sinus condition that he'll have for life. This insurance has been a Godsend. Between surgeries, and meds I'd have to offer up one of my own kidneys to pay the bill, but ASPCA Pet Insurance has been there with me every step of the way! They have even sped up some claims, so that I could get cost reimbursement asap. I will never have a pet without this insurance. Thank you!
5

out of 5

POSTED: | BY: Susan

Health Insurance Review

Have a rescued dog makes it complicated when you don't know the dog's history. Buddy is a soft coated wheaten terrier and had anxiety issues and odd eating habits which has caused unusual veterinarian visits. ASPCA has checked with his vet and emergency vet for confirmation of treatments with due diligence and responded quickly via email to me and as well as my bank account.
4

out of 5

POSTED: | BY: Pam Kelley

review for Petshealthcare

I've only had Petshealthcare for a few months but have already submitted 2 claims. I was very happy with how quickly the claims were processed
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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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