ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,889

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: Sylvia Pacheco

Awesome

Our dog Precious is a beagle and we have had her for 7 years. She is very smart and has brought us many years of happiness. My husband and I decided that as she grows older,we want to make sure that she has great care should she require serious medical care. She is very curious and loves to go camping with us. We chose the plan that met our needs and have submitted several claims that were processed in a timely manner.I was impressed at the different types of plans,coverage and affordability. I have called ASPCA and have always received courteous and helpful information regarding my needs and questions. I would recommend this insurance to anyone thinking about the importance of insuring their pets.
4

out of 5

POSTED: | BY: Millie

Glad to have ASPCA

"When we bought our Tibetan Terrier we immediately started searching for pet insurance and based on our research we chose ASPCA, and based on our experience so far this was the right decision. A couple of months ago our puppy caught kennel cough and struggled to recover from it, we had to make several trips to the vet and two rounds of antibiotics before she managed to recover. Submitting the claim was a streamless process, we did it all on line and the speed at which our claim was processed was great. We hope we do not have to use our insurance going forward as we want a healthy dog but it gives us great piece of mind to know that should we need to we can with ease, I would definitely recommend ASPCA to anyone"
4

out of 5

POSTED: | BY: Tammy Bennefeld

Worth EVERY Penny Spent

My domestic short hair kitty "Sis"(16 yrs old) had some unexpected problems back in October & November 2010 with her balance, she all the sudden one evening could not stand up or walk and her heart rate was racing, I thought she was having a stroke or something, I rushed her to my vet, they checked her over and sent me home with no anwsers, I went to a different vet for a second opinion, after a thorough check up and blood work the vet stated that she had a lot of build up of wax in her ears and thought that was the problem, I scheduled her for surgery to do a thorough cleaning deep in the ear, Sis stopped breathing and they revived her and said that she just was not a spring chicken anymore and that it was not safe to ever put her under again, so we tried antibiotics and ear drops, she has learned to adapt and lives a perfectly normal life now. If it was not for the ASPCA Pet Insurance, I really don't know what I would have done, I paid my deductable of $100.00 and I have been reimbursed anywhere from 75-80% of what I put out of pocket after my deductable. I have 2 other cats as well and I have them insured too incase I ever run into any problems with them in the future. When you have pets in your family, pet insurance is the best way to go, most pets are like family members to us and the should never be looked at as anything any less that any other family member and they deserve the same care and help that us as humans receive. Pet Insurance also reimbursed me for the s
4

out of 5

POSTED: | BY: Bill P.

A Good Buy.

Our dog Bailey has had to go to the vet 3 times this year. Unfortunately, they were not for preventative care. He developed 2 ear infections and a respiratory infection. Each time we submitted claims, the process was very easy.. We had prompt aknowlegement of receipt of the claim and very fast pay out. We have broken eaven on the premiums even with out having a real serious injury. I would definitely recommend the ASPCA pet insurance.
4

out of 5

POSTED: | BY: Susan Carman

Open and honest as well as keeping you informed

ASPCA insurance has been keeping me informed about the claims I submit including what services and supplies are covered and not covered. The turnaround for claims to payments are always sent to me and this information is very much appreciated. Thank you from our dog, Ilio, and me.Susan Carman

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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