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: Kathy

My Saving Grace

One never can expect the unexpected. I have three young cockapoos, one of which suddenly became prone to ear infections and quickly required a decision on essential and expensive surgery. After much research and stress in making the decision to complete the surgery, it sure was nice to know I had ASPCA insurance. The surgery was successful and the claim payment was received within a few weeks. In a stressful situation it sure was nice to know I had one saving grace, ASPCA!
5

out of 5

POSTED: | BY: SMSgt

Worth the Investment

My wife and I have been going back and forth for several years on whether or not we should get Pet Insurance for our dog Jada. I didn't feel it was worth the expense vs other existing Financial Obligations. This past September I finally gave in and we decided to research getting Jada insured. After comparing companies, plans, costs, deductibles, and coverages we decided on ASPCA Pet Insurance with extended coverage. It's already proven to be a worthy investment. A short time after the policy went into affect we noticed a lump on Jada's underside. We took her to the vet and the first visit they gave her a shot and mediation to see if the lump would shrink in size. It was determined on the follow up visit that she needed to have the lump removed and biopsied to see if it was a cancerous tumor. Within a week of the follow up we found another lump along her ribcage and it was back to the vet once again. The surgery was scheduled for the Monday following Christmas and all went well. Within a week we got the results and found out that it wasn't cancerous and our little girl will be just fine. The total for all the visits, shots, medication, surgery, and biopsy exceeded $600.00 which we had to pay prior to submitting our Insurance Claim. The process for completing the Claim for and submission was painlessly easy. Everything was done online. We received email confirmation when the claim was received followed by a claim number to follow up if needed. In the end
5

out of 5

POSTED: | BY: Lauren

Support for my new puppy

My husband and I had an unexpected addition to our family when we came across a 4 week old Lab mix being sold on the street by a kid who clearly had no clue how to care for young puppies. Our little Dori came home with us, but we were now faced with covering ALL her puppy vaccinations, her spay, and some allergy issues that sent us to the vet several times. The ASPCA pet insurance saved us a lot of money, and even though you have to pay up front, it really helps to get 80% of it back. Claims were processed in a timely fashion, and rates are very reasonable for the amount of coverage. I also really like knowing an organization like the ASPCA is benefiting from it as well.As someone who doesn't have a few thousand for a rainy day saved, I like knowing that if something unforeseen should happen, I won't have to choose between my finances and saving my best friend.
5

out of 5

POSTED: | BY: Carol

Pet Insurance for peace of mind

We decided to get Pet Insurance because we knew no matter what happened to our Weimaraner, Riley, we would do what ever we had to in order to save his life. Having the insurance gave us peace of mind because we would have help with the vet bills if something were to happen. Since he is older and more likely to have issues, we felt getting the insurance was the right thing to do. It was easy to purchase, the claim form is easy to fill out and we have been reimbursed with ablsolutely no problem.
5

out of 5

POSTED: | BY: Barbara

If You Have Health Insurance,Your Pets Should ,Too

I have had Petshealth Insurance since 2000, and possibly before that. I remain a client because I have always been satisfied with the service, the fairness in settling claims, and the great personal customer service. It is a pleasure to speak to a person when I call, and to have my question answered by a friendly, knowledgeable person. It is also comforting to know that when my pets need care, I don't have to wonder if I can afford it. I can do what is in the best interest of my beloved furry family members.

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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