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: Diane

Timely Reimbursement

So far having this pet insurance has helped out with medical bills for our Pit bull. Not knowing that pit bulls are known for skin allergies, this insurance has helped. Being a single parent with a daughter in college, and this being her dog, it is nice to know that some of the costs are taken care of.
1

out of 5

POSTED: | BY: Marlene Zajan

non payment

My dog had an operation last month and ASPCA wouldn't pay for anything!! They claimed that the condition was found before the beginning of this year's coverage. I have to eat about $1300 worth of treatments. I have never ever missed a payment, in fact, the monies come out of my checking account each month. I would never recommend this insurance to anyone ever.
4

out of 5

POSTED: | BY: Kathleen Wilson

Glad I chose ASPCA

I always worked for a veterinary hospital so I never needed insurance for my own pet but deal with clients' insurance. Now that I am no longer in the industry I had to choose an insurance plan for my pets and I am glad I chose ASPCA. They offer good plans, easy access and settled my claims quickly. Most important of all their staff is top notch. I have never received anything less than the highest quality customer service!
5

out of 5

POSTED: | BY: Lynn Hayn

Being a responsible pet parent

Adopting a pet brings with it the responsibility of providing good medical care which, as we all know, can be very expensive. I used to think pet insurance was not a good investment. Then I had a cat with cancer. It took me three years to pay off the $3,500 bill. Ever since then I have had all my pets insured. When another one of my cats had inflammatory bowel disease I was able to provide her with excellent care knowing that I would have some help with her medical expenses. Recently I took my 9-year-old cat, Charlie, to find out that he had a UTI. The blood tests, urine samples, and antibiotics were costly. In addition, while he was there he was found to be in need of dental treatment which included extractions. The money for all his treatment was not in my budget, but was necessary to restore him to the healthy cat he has always been. I knew I would receive help with those expenses and that was a very good thing when two weeks later my other cat had to be treated for an eye infection. I have had my cats and dogs insured through ASPCA for a number of years. Although I have been lucky enough for most of my animals to be healthy and need only regular preventive care, the few times when more care was needed it has been a great relief to know that I could provide whatever was needed. My claims have always been handled quickly and the people I have spoken to at ASPCA have all been wonderful, especially when humane euthanasia was necessary. I will continue to insure my fur babies through ASPCA.
5

out of 5

POSTED: | BY: Peggy

Wouldn't be without it.

After my 12 year old Golden passed away and one day of vet bills ran about $1500, I decided to get pet insurance for my elderly cat. Within a year he began to go downhill rapidly and once again the bills were piling up. That time, ASPCA insurance helped me to recoup most of my out of pocket expenses. Now, with another elderly dog who has lots of stomach issues, pet insurance is helping me to make sure this dog has the best of care without worrying that I won't be able to afford it.

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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