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: John Stewart

Best investment for our Rottie.

This is our first time dealing with pet insurance and are on a limited income. We love our 3yr. old Rottie and want the best care for him, with this insurance, it makes it easier for us to take him to the Vet with unknown conditions to get checked out and treated promptly. He's very healthy but like a child, he gets into trouble outside. We just wish that for the coverage we got for him, the premiums would be cheaper, but have to say, our claims have been paid promptly. We have had the policy since Smokey was a puppy.
1

out of 5

POSTED: | BY: Madu Coelho

It's horrible, & they don't care.

My dog Zoe is 14 months & she had two UTI back to back. I submitted the claims & was told they were gonna review the claims. Waited 6 weeks & called them back & the reply was that this was a chronic disease. How can a puppy with 2 UTI be considered chronic.???? Am very unhappy & discontinued the ins. They had stipulations of 3,500 cap per disease, & I did not get paid anything:( Bad .. Bad ,,, bad
4

out of 5

POSTED: | BY: Nancy Monosso

It's all good!

Both my husband and I are retired and would not be able to afford a large vet bill, so I decided pet insurance was the way to go. We have a 7-year-old German Shepherd, whom we love dearly. We have had several claims and each time have been very satisfied with the outcome. However, be aware that problems common to a specific breed are not covered; i.e. hip dysplasia, elbow dysplasia, etc. Knowing that should she be in an accident or need surgery for bloat, tumors, etc., or become ill, she would be covered, and that is peace of mind.
5

out of 5

POSTED: | BY: Anna Bradford

Excellent service

Very courteoushelping staff.
5

out of 5

POSTED: | BY: Ann Coleman

ASPCA Pet Insurance is Freat

Our baby, "Potdog" developed a a collapsing trachea due to a large mass located at the base of her heart. We were saddened to find out the mass was cancer. After many visits to the vet., we decided to put her to sleep. The hardest decision we have ever made! Our Vet faxed her bills to ASPCA, and within four weeks we had a check in the mail for the exact amount of the bills that ASPCA said they would pay. We have found the ASPCA Family to be very helpful and sympathetic in our loss. We have our other dog, Casey, insured also.
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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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