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: Ty tafel

Luv my furry children

Our children provide us with so much unconditional love and pleasure... How can we not provide them with ASPCA health insurance. I would do whatever it takes to insure my pet's wellbeing!
5

out of 5

POSTED: | BY: Robert stewart

Great service

Have had excellent service fill the forms out fax in prompt attention an quick service .
5

out of 5

POSTED: | BY: Sandra Burditt

Empathetic Pet Insurance

We have used USPCA insurance for our dogs for many years. It gives us peace of mind to know that we do not have to worry about expenses when a dog gets sick. The claims are easy to make and the payment is prompt.When a dog has been sick, they call to see how the dog is doing. When a dog died, they send a condolence card.
5

out of 5

POSTED: | BY: Chantel

Thank you for my peace of mind.

As a vet tech, I knew after getting our French Bulldog puppy, that we needed insurance due to their many health issues. However, we did not expect to need it starting at 5 months of age. But boy are we glad we have it! ASPCA is quick, easy, and affordable. We were worried when our baby girl was rushed into emergency surgery, but financially, we were covered. So thankful we decided to enroll our furbabies with ASPCA.
5

out of 5

POSTED: | BY: Hope Young

Very Good Overall

We've had the ASPCA for several years and have 2 small dogs insured with them. Overall, we have been very pleased with them, and for us, it has definitely been worth the cost since one of our dogs has had 4 bladder stone surgeries. My criticisms are: 1. Even when prescribed by the treating veterinarian, special diets and food and supplements are not covered 2. The claims department's "reasonable and customary charges" are always lower than what my vet charges. We live in a higher cost of living area and I haven't been able to find a vet in my area that charges what they say are "reasonable and customary". Furthermore, my vet has a waiting room full of patients who obviously believe that the charges are reasonable. So, they need to review how they are coming up with these amounts allowed and revise accordingly.

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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