ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,868

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: Diane M.

Experience Review

We have had our large dog covered through ASPCA since 2021. They worked with us when we went through difficult financial times and when we call always ask how Canon is doing. He was never discriminated against for his breed or for being a large dog. Also we recently filed our first claim and I was shocked I submitted the claim on April 1st and they submitted the reimbursement by April 3rd and even though I am having banking issues with the reimbursement, due to my bank, they are on top of the issue. I've always been treated kindly and with respect.
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5

out of 5

POSTED: | BY: Lisa Coffey

I recently had a colic surgery for my…

I recently had a colic surgery for my heart horse and knowing that I have the insurance gave me peace of mind that we could afford to save him. We are still in the processing stage so I will update again soon I am sure. My horse is home and doing great so far.
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3

out of 5

POSTED: | BY: GWENDOLYN Johnson

let them know what actually they are buying. I didn't know I was not purchasing didn't have full coverage

should have told me about the different packages you offer
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5

out of 5

POSTED: | BY: Pamela Glidden

Speedy

Speedy, accurate, clear directions
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5

out of 5

POSTED: | BY: Jeffrey Stokes

Claim was filed and handled in a short…

Claim was filed and handled in a short time and with no problems.
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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.

Provider website

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.

Provider website

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