ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,876

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: Stacy Lenorman

Great Service & well worth the premiums!

Having been parents to two other fur babies prior, we experienced the pinch of having to pay out of pocket for each and every boo-boo. This go around, we found ASPCA Pet Insurance and decided to cover our pups. Even though our youngest is just 6 months old, he has already had a big injury. He romped too hard with his older sister and broke his front toe. We were grateful to have coverage as it was a lengthy and expensive 6 weeks of treatments (numerous splints, meds and collars). It was a relief to know his repeat visits to the vet all fell under the same incident with just one deductible. He's made a 100% recovery and while we hope not to have any repeat visits to the vet, we feel at ease knowing coverage exists. We will continue to have this insurance for all of our four legged family members. Can't say enough good things about ASPCA Pet Insurance.
5

out of 5

POSTED: | BY: Cathlene

Good coverage and quick reimbursement

Having pet insurance through ASPCA insures that I do not hesitate to take my dog in when there is a health issue. The claim form is easy to use and reimbursement is always quick. I would recommend this coverage and did to several families while I waited in the emergency room for my pet to be treated.
5

out of 5

POSTED: | BY: Nicole

ASPCA is the way to go

My dog was diagnosed with stomach issues and ASPCA Insurance helped put my mind at ease with all of her paperwork and the cost. Everyone was very helpful from the beginning of the claim until just recently when I received phone calls asking how my dog was feeling.
5

out of 5

POSTED: | BY: Debbie Persi

A life saver

Always quick and courteous, love the follow up calls to check on my pets.Reasonably priced and pays within reasonable time frame. The employees are the best!
5

out of 5

POSTED: | BY: Nancy Rettig

Happy, Healthy Buddy

We adopted a beautiful black and white cat from our localshelter in August. Part of the adoption agreement required a visit with the veterinarian of our choosing. The hospital recommended ASPCA Pet Insurance. I chose the plan that worked best for Buddy, He passed the health exam as a very Healthy Boy! I sent in the required information and received a check within 3 weeks. Totally Happy Nancy Rettig

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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