ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,126

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: Mary

I wish people Health Insurance was as good!

My dog, Olivia, was attacked by a Labrador Retriever which is not an even match for an Italian Greyhound! Very Fortunately her injury was limited to a bloody and large skin laceration -- serious, but no ligament or bone damage. It was on a Friday night and local animal hospital agreed to see her on an emergency basis. My priority being the injury and pain I didn't think in dollar signs until they handed me the bill - ouch! The injury had to be resutured 4 days later - another pricey event. I submitted each claim as they happened and was very pleased with ASPCA's first reimbursement BUT I expected that the second suturing would not be covered. Some days I just love to be wrong, ASPCA again reimbursed my costs very fairly. Olivia's injury has now healed; having ASPCA Health Coverage hasn't resolved her PTSD but I sure helped mine!
4

out of 5

POSTED: | BY: Chad

Haven't used it enough, but pleased when I did.

Everyone I've ever had contact with from PetsHealth Care Plan has been very friendly and I'd recommend them to others considering pet health insurance.
4

out of 5

POSTED: | BY: maria

Claim on Lucy Capotosto

My baby Lucy was throwing up and needed tests done in order for us to see what was going on. I was pleased with the reimbursement that I received for all of Lucy's tests. However, I was just a little disappointed on how long it took to receive payment. I waited two months! I was asked to submit the invoice and bill of Lucy's procedures and come to find out that wasn't enough. My claim was put on hold because you needed to receive the same information from my vet.
5

out of 5

POSTED: | BY: Michele

Valuable insurance

I've had my three dogs insured for two years now. Having the insurance has been helpful.
5

out of 5

POSTED: | BY: Patty

ASPCA pet insurance is a life saver !

Since having ASPCA insurance, my precious little Maltese, Marily, has undergone ACL surgery, eye surgeries, and most recently anal gland removal. I really don't know how I would have afforded it all without the insurance. Marilyn is like my own child and just knowing I have ASPCA insurance gives me comfort and peace because I know I have help in keeping her healthy. I have been very pleased with the efficiency and speed in receiving a check after my claims have been filed. Furthermore, the representatives I have spoken with have been knowledgeable and very polite. ASPCA insurance has been one of the best things I have ever done for my little Marilyn....and for me.

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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