ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 22,535

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: Debbie

Make a sad puppy HAPPY again!

In March 2011 our 10 month old Lab/German Shepard puppy started having loose stool and slight lack of appetite. After about 3 days of this, I took her to the vet and took an exray to make sure she hadn't eaten anything that she shouldn't, no she did not. He also took some blood. Her tests came back fine so he treated her for colitis (bad spelling, sorry). She was on antibiotics for a while and white rice and grilled chicken diet for about a week. Once her stool was solid we slowly added back dog food. She has been fine since. We submitted all the forms to the ASPCA insurance and they paid the claim according to our contract. Well worth having the insurance for the peace of mind, especially with a curious puppy. Thank you ASPCA. Debbie Londeck
5

out of 5

POSTED: | BY: KEN

FAIR AND HONEST

I HAVE SUBMITTED 2 CLAIMS FOR MY PETS. I HAVE A BEAGLE AND A ROTTY. ASPCA HAS PAID ALL CLAIMS FAIRLY AND QUICKLY. I FEEL THAT IT IS A GOOD INVESTMENT. I LIKE THAT THEY DO NOT PUT A CUTOFF ON YOUR DOGS AGE AS MY PETS ARE 8 AND 9 YEARS OLD. I AM VERY SATISFIED AND WILL CONTUNUE AS LONG AS I CAN TO GIVE THIS BENEFIT TO MY DOGS. CUSTOMER SERVICE REPS HAVE ALWAYS BEEN VERY HELPFUL AND KNOWLEDGEABLE
4

out of 5

POSTED: | BY: Cathy

claim for Blondie

Blondie was hospitalized after eating an entire bag of Nestles chocolate chips. She spent two days in the hospital. The bill was over $ 1,000. I was reibursed about $ 650. I was a little dissapointed in that so much was discounted. I live about 6 miles from Manhattan and costs are high here. I don't really know if all that is taken in to account. (Although it is the same with human medical reimbursements) The first time I submitted the claim, I was never acknowledged. I guess it never made it to a desk. Once I resubmitted it, it was addressed immediately.
5

out of 5

POSTED: | BY: Pam

ASPCA Pet Insurance Puts My Mind At Ease

Sweet Baby Girl is my chocolate brown Toy Poodle, and my baby. She recently had a bout of "something" and was just not herself. Long story but finally an X-ray was taken and revealed inflamed bowels. She went on medication and is back to her adorable self to the tune of over $500. This claim has not yet been paid but there has never been a hassle on the other two submitte; just fair and timely payment. Being in the real estate business in California, the past few years have been a little lean money wise, so it's comforting to know that I have insurance to cover these types of situations :-)
4

out of 5

POSTED: | BY: Vincent

Peace of Mind

In the recent past, I know of someone who was presented with an $8,000.00 bill to cover the expences incurred attempting to keep a standard poodle alive. Unfortunately, the dog did not make it through the surgeries, blood transfusions and other treatments provided to him. Would YOU ever want to make the decision about your pet's welfare based solely on the cost? I know I wouldn't. Pet insurance has become as important to our pets as health insurance is to us. ASPCA is reputable and honest in its evaluations of each claim. Just weigh the cost of the premiums against the peace of mind it affords you, and the protection it provides for our loving pets.

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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