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.
5

out of 5

POSTED: | BY: Meagan

ASPCA Pet Insurance is GREAT

I have been so happy with what I have recieved from ASPCA. The customer service is great and I have been so grateful to have my pets insured. The claim process is so easy and I get back money so fast. ASPCA is great!
4

out of 5

POSTED: | BY: Cheryl

Not perfect, but I'm glad we have it...

On January 2nd, our 14 year old rescue dog, Chloe, woke up at 6:30 am unable to stand or walk. We rushed her to the Animal Emergency Clinic near us where they couldn’t find any explanation of the tremendous pain she was in. She couldn’t do her doggie shake without falling down. To say we were terrified doesn’t begin to explain it. Our bill for the day was over $1,300.00!! Thank goodness we had our ASPCA pet insurance which covered over half of our bill. My only frustration with our coverage is that it does not include anything alternative. After spending $1,300 and a frightening day with no clue as to what was wrong, I took Chloe to an animal chiropractor where 3 visits later at $76/visit, she was fine. Somehow she had put her lower back out! I strongly encourage ASPCA to include alternative treatments such as chiropractic and acupuncture in their coverage.
5

out of 5

POSTED: | BY: Linn

Couldn't be more satisfied

I'd like to express my appreciation of and satisfation with the ASPCA Pet Health Insurance plan and the individuals who administer it. I have two dogs that have benefited from this insurance; they both have had instances where extensive testing and/or procedures had to be performed, and this insurance ensured that they were able to receive the care they needed. Furthermore, the claim forms are extremely easy to fill out and submit - and being able to do this on-line ensured that they were immediately received by the insurance group and processed without undue delay. Finally, I was able to to reach actual individuals on the telephone and have questions answered when this was necessary. I couldn't be more satisfied with my insurance, the plan options, and again, the personnel that administer it. I would urge anyone with pets to get ASPCA Pet Health Insurance. Having it has brought peace of mind when we've been faced with some frightening health issues with our pets. Thanks!
5

out of 5

POSTED: | BY: erica

outstanding; well worth the premium

one of my cats, Tigger[other is Poo] needed treatment for overactive thyroid. My father found a specialist 165 miles away. Treated with radioactive iodine. My father lent me the money and the insurer paid almost 75% of the bill. I recommend them highly. Better than the co. that pay based on a fee schedule
4

out of 5

POSTED: | BY: A.

Pet Insurance, A Necessity!

We've had four cats and a dog over the years. One of our cats had a brain tumor and melanoma. The other had left and right ear polyps which negatively effected his gait and quality of life (for a while he was hiding and not eating much). I don't know what we would have done without ASPCA's Pet Insurance. The vet bills were insane. The API reimbursement rates were relatively decent. I'm glad we were able to keep our first cat more comfortable with the treatments he received (thanks to the pet insurance). That meant a lot to us. Our second kitty is doing so much better. He seems so much more lively and happy now. He's definitely like a "new cat." I truly believe that pet insurance is probably the best gift you can give to your pet. In the long run, it will also help you immensely when you are overwhelmed by costly veterinary bills. Pet insurance allows caring for a pet to be much more affordable. It’s as significant as what health coverage means to you.

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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