ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,063

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: Jill Loiben

Well worth the value

We have had ASPCA insurance for over 10 years.It has helped us the Veterinarian over the years. We love our dogs so we want only the best of care for them. ASPCA gives the advantage to seek the best the care. I recommend it to all of my friends that it is well worth the value
4

out of 5

POSTED: | BY: Justin

Really great customer support

ASPCA always adds a human touch to our claims and provide quick and actionable feedback. We really enjoy using the insurance product and are regular contributors to the charity.
5

out of 5

POSTED: | BY: sima sassanpour

Excellent customer service

This is a great company with an excellent reputation for customer satisfaction. I have been very happy to work with ASPCA for my cats(3) insurance.
5

out of 5

POSTED: | BY: elysabethe james

No knot in our stomachs.

Our younger dog developed a "growth" in the roof of his mouth. We saw our vet immediately, and he felt we should have the growth removed. As to whether or not it was cancerous had yet to be found out. The surgery was going to be expensive. Before getting the ASPCA insurance, the minute one of our dogs got sick, we would be debating as to whether or not the dog HAD to be seen by the vet and would we be able to pay for the appropriate care. Now, we still try to make a "reasonable" evaluation, but if we have to go to the vet, we know that we won't have to make a panicked financial decision; our insurance will likely cover the majority of our bill. Oh, incidentally, the lesion was not cancerous, but to eat it needed to come off.
5

out of 5

POSTED: | BY: Gail Baumoel

Excellent insurance

I've been very happy with my Petshealth policy. My 16 yr old dog developed glaucoma & lost the vision in 1 eye. It was necessary to have a surgical procedure done & Petshealth paid 80% of almost all the charges. There have been follow up appointments & numerous eye drops, the insurance has been great. All payments have been prompt, there have been no problems at all.

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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