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: Terisa Fox

Accident Coverage has been a lifesaver.

We live on a ranch with our active three dogs. Unfortunately, when the weather warms up in April and early May, we have a problem with rattle snakes coming out of their hibernation. Each one of our dogs have been bitten and we have been lucky enough to get them medical treatment in time. The ASPCA Pet Insurance Accident Plan has been a lifesaver for us and them because the expense for this kind of treatment is at least a couple thousand dollars. Bee stings, torn nails, and stepping on sharp objects are all covered on the Level One Accident Plan, so it makes good economic sense to have this level of coverage. Thank you ASPCA for being so friendly on the phone.
4

out of 5

POSTED: | BY: Sydney

Like the Security, but want more coverage

i like the security of knowing my dog is covered, but the rate that expenses can pile up is astonishing. i just would like more per incident coverage. i was told that at the next renewal of my plan i can get twice the per incident coverage for about the same rate i am paying now. i would also like to see the expenses covered more, they always have an excuse to not cover part of most expenses.
5

out of 5

POSTED: | BY: Betty Watson

Wonderful Financial Help with Vet Bills

Lance (our cocker spaniel) has allergies-we know to wheat, but apparently there are other unknown items. This causes for a lot of vet visits and medicines. This plan has helped us to get him the help he needs. One vet told me I had gotten a very expensive dog-I had no idea what he meant at the time. Well we now know-allergies and ear infections. We could not afford the help he needs if it wasn't for this program.
3

out of 5

POSTED: | BY: Sharon

ASPCA -- Not happy

I've had my cat insured with ASPCA for two years. I just received a re-enrollment form from them, asking that I go through the enrollment process with them once again, which includes paying another enrollment fee. I understand where raising prices may be necessary, but I'm a customer for almost two years and they want me to re-enroll is absurd.
4

out of 5

POSTED: | BY: Cathy L

Good Insurance

I have used this Insurance a couple of times. Everybody is friendly & courties. The Claims were handled in a timely & effeciant maner
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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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