ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,818

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: K Griffiths

I love this insurance for my horses

I love this insurance for my horses. Great customer service, claims are easy to file. This provides the exact peace of mind needed to provide my horses with what they need in the case of an emergency and preventative care. I recommend this to everyone !
5

out of 5

POSTED: | BY: Jessica Myers

Great Customer Service

Called the company to help us set up a new pet on our policy and the representative was absolutely the kindest representative we have spoken to on the phone for any company ever. They cared about our pets and treated us with respect and solved our problems effectively and efficiently.
5

out of 5

POSTED: | BY: Nino Colandrea

I made contact with SPCA health…

I made contact with SPCA health insurance. They’re all very normal very friendly very helpful.
5

out of 5

POSTED: | BY: Wanda Casey

Shavazz made it so great as I lost a…

Shavazz made it so great as I lost a pet and putting adding a new puppy.
5

out of 5

POSTED: | BY: Theresa Estile

Submitted my claim and it processed…

Submitted my claim and it processed almost immediately. Received a check within 2 weeks of submitting the claim.

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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