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: Veronica Thorvilson

Pet insurance you can trust

It’s been a year now having ASPCA insurance and I’m pretty happy with them. Anytime I’ve had to call in they are helpful and friendly. My reimbursements have come quicker…that’s a plus!!!
5

out of 5

POSTED: | BY: Marissa Hulmes

Best Decision I Made

I don’t make reviews often, but I had to give credit where it’s due. I put off buying insurance for my cat, and one random night bought a policy through ASPCA with basically no research (very much not like me) and thank god I did. Shortly after my cat began having asthma and later had been diagnosis with a heart condition as well. Thankfully due to the insurance I was able to give him the care he needed such as the cardiologist appointments, inhalers, medications, etc. without worry. Every single claim went through without and issue and posted into my account. Processing would sometimes take a bit but I never had any issues with a single claim. Sadly a few weeks ago he passed away very unexpectedly. Dealing with the emergency vet bills, cremation services and just being completely heart broken I couldn’t do much. A week later I finally submitted the claim, not even bothering to look through any information on what would be covered and didn’t think twice. I put off cancelling the account (it made me too sad) but when I went on it was closed out for me which was a very big emotional relief for me. Today when I came home I received a handwritten letter from ASPCA with their condolences on my loss. This was just something I did not expect, but really did mean so much. Loosing him has been such a struggle, but I cannot be more grateful that I was able to spend the time I did with him and never worry about choosing between his care or my financial well-being. I could not recommend them more.
5

out of 5

POSTED: | BY: Jin

Veru help and professional

Veru help and professional , plus esay!
5

out of 5

POSTED: | BY: LR

Fair Although sometimes they take a while to…

Although sometimes they take a while to process a claim, I feel they are fair and pay according to the policy.

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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