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.
3

out of 5

POSTED: | BY: Coco

so-so

They are upfront with what they say they will pay. But its painful to fax over receipts; it would be nice if you could simply scan and electronically submit receipts.
5

out of 5

POSTED: | BY: Maria

Thank you for helping my pet.

I have a 11 month old Bullmastiff, named Bocce. Bocce is very inquisitive and has a way of getting into all sorts of trouble. I had been trying to leave Bocce uncrated for very short periods of time when I left the house. He seemed to be doing very well UNTIL one day that I left him for two hours. I removed all of the potential hazards (or so I thought) from the room, but when I returned home I found my living room covered with pillow stuffing. He had demolished 3 of the 4 throw pillows in the room. I hadn’t realized that he ate the stuffing until he started to vomit later on that evening. I took him to the vet, and they advised me to have a series of xrays taken to determine if he had an intestinal obstruction. I knew that this would be costly, and that the pet insurance would most likely not cover the xrays, because this was not an illness. I chose to have them take the xrays regardless. There was no obstruction found, only a belly full of stuffing. We had to play the waiting game to see if an obstruction would occur, and surgery would have to be performed, or if he would pass the stuffing without a problem. Thank God, he did not get an obstruction. I submitted a claim as a formality, and sure enough ASPCA Pet Health covered the occurrence. This was a blessing to me, and truly any time I have filed a claim or had to deal with ASPCA staff, it was a breeze. The staff there are very concerned and caring. Getting this coverage was one of the best doggie decision
5

out of 5

POSTED: | BY: Michael

Did not have insurance until..

I have 3 dogs, 12, 9 and 5, 2 x Beagles, 1 - Labradoodle After the elder one had an ACL injury which cost us in excess of $900 my vet suggested we get insurance since these costs can mount up. So we did, about 2 months later the 12 year old grew a golf ball sized syst on her rear hind quarter which required surgery and labwork. This insurance kicked in and they paid a larger proportion of the costs. I will never be without pet insurance again, ASPCA were very good to deal with and painless.
4

out of 5

POSTED: | BY: Chris

I have been pleased with this coverage.

I have a rescued Greyhound and she got sick in May of this year. Thank goodness my good friend told me about ASPCA Pet insurance because it saved me a lot of money in Vet. bills. I only have the plan for injury & illness but I feel it is well worth the monthly payment. Chris
4

out of 5

POSTED: | BY: Joni

Zane and the Cactus

My long hair Chiwawa mix ran into a cactus the kind with very large stickers and also very small stickers. I took him to the vet, where he needed to be put under to get all of the small, difficult to see stickers out. He emerged unscathed, I turned the paperwork into ASPCA and they covered it as agreed.I feel, however, that if the dog insurance carriers really want to help their "dog-parents", they will communicate with the vets when it comes to cost of care. Some snake bite sirems can become very costly and the ins. cos won't want to pay for them. Without restraining the doctors, maybe some established sirems and emergency practices could be reviewed so that they are covered and don't become to expensive. Then you insurance buyer would really have the confidence to buy your product

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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