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.
4

out of 5

POSTED: | BY: Angela Jones

From Very Satisfied to Greatly Disappointed

This is the first year we've had our 11-year-old dog, Honey, covered by pet insurance and we chose ASPCA Pet Insurance. We signed her up on the Level 3. She had some tests and surgical procedures during 2010 and we received reimbursement accordingly. I was recommending them to my co-workers, family and friends. Then came the kidney disease diagnosis at the end of November...I thought "no problem" I'll add the Continued Care Option to the policy. I was told that's not possible, now, because of her age. The company has reimbursed me on all claims, including the battery of tests that led to the kidney diagnosis, however,when the policy renews on January 1st, 2011 her condition becomes "pre-existing" and good luck finding any insurance that will cover it. Thanks ASPCA Pet Insurance! No more recommendations will come from me...
5

out of 5

POSTED: | BY: Maggie Dumais

Very happy with my pet insurance

Our two cats are insured by ASPCA. Both had claims last year which were paid promptly. Renewal for 2011 was very easy and affordable. I recommend ASPCA pet insurance to all my pet parent friends.
5

out of 5

POSTED: | BY: Karen

It is worth it.

Lily was my first dog 1 1/2 years ago. A friend recommended that I get pet insurance for atleast the first few years because you never know what you are going to get with a puppy. I got the insurance and have been very happy ever since. It has paid off, claims are easy to submit, quick turnaround time, and great customer service. I would recommend ASPCA to others (especially with a puppy)
4

out of 5

POSTED: | BY: Majie Vaughan

We made a great decision on taking out insurance

After losing our Chocolate lab to kidney failure We took our time to find our precious Shiloh(She is a Silver Lab)Right from the start we picked up the insurance for her. Also,from the start Shiloh had Vet bills from a parasite that was hard to treat, skin problems- that we now know she is a Blue coat and begin Allergy test next week.She is very curious and ate a wasp--this was another visit to the Vet--Ear infections because of the allergies and a bladder infection just resently.Everytime the insurance has been there for part of the bill!Thank you so much for all you ahave done for Shiloh in her 22 months of life.
5

out of 5

POSTED: | BY: Stephenie Frederick

Happy with ASPCA

ASPCA has provided coverage for my aging King Shepherd, Taffy, even though she might end up costing more than I will have paid in premiums. I have submitted claims for two incidents. ASPCA reviewed the claims quickly and paid promptly. The amounts paid helped me a lot. I feel that I'm supporting the SPCA while still receiving some relief from vet bills.

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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