ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,718

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: Ellen

They are the best pet insurance ever.

They are the best pet insurance ever. They never disappoint! Recently I had to take Emma to an emergency vet. She vomited a little blood. My vet, who I adore, was not in but I take zero chances with Emma to wait one more day. I don’t know if you’ve ever gone to an emergency vet but if you have you know that they’re notorious for what they charge. It was very expensive. The next day I took her to my vet. Thankfully she’s fine. I submitted both claims and was astounded at how much they paid back. It it was about 80% which is unbelievable. I’ve had ASPCA pet insurance for years for many of my pets, and I couldn’t be more pleased. Thank you, thank you thank you!
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5

out of 5

POSTED: | BY: Patty Mcclain

I have multiple dogs and this insurance…

I have multiple dogs and this insurance company is awesome. They stand behind their policy as written and have always been spot on in their coverage. Would suggest them to anyone with a dog or cat. They provide quick responses on issues and quick reimbursements as well!
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5

out of 5

POSTED: | BY: jill manwaring

That the insurance is affordable

Well, I have not used the insurance yet so not sure how they are however I was told they are good insurance by a veterinarian.
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5

out of 5

POSTED: | BY: Joyce Gietkowski

What to consider before choosing pet insurance

I thought your website about what to consider when buying pet insurance was good. This was my first time buying pet insurance
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5

out of 5

POSTED: | BY: David Gromos

We’ve been a client for 8 yrs

We’ve been a client for 8 yrs. We’ve recently added a second dog. Very happy with the plan and selected coverage. The monthly fees are reasonable for the coverage we receive.
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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.
ASPCA Pet Insurance detail
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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