ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,864

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: Haley

ASPCA Pet Insurance Highly Reccommended

We have had ASPCA Pet Insurance for our 1 year old Yorkie mix and it has already began to pay off! She was only 1.7 lbs when we first got her and we had to bring her to the emergency room twice for accidents. We have submitted claims for numerous issues and have received a very timely reimbursement. I tried to do research before ultimately choosing ASPCA as our coverage and have not been disappointed since! Make sure you get it sooner than later before life happens and pre-existing conditions start applying!
4

out of 5

POSTED: | BY: Ann

Timely & Reasonable Reimbursements

I have two smaller dogs (10# each) and got insurance for them at 8 yrs old, expecting that they would face age-related problems (they are now almost 11). I pay about $77/month for two dogs with a $250 deductible each. One of the dogs recently had an emergency issue which resulted in $2500 worth of multiple ER and vet visits w/lab work. I received about $1800 in reimbursements, each taking about two weeks. While my policy reimburses 90% of UCR (usual, customary and reasonable), I was reimbursed at 72%. Granted, I was fortunate to have any reimbursement at all--and maybe the vets can charge lower--but given the high cost of living in Southern California, I think that ASPCA could improve on their reimbursements. The staff are usually friendly. They reimburse by two weeks. They're pretty good...but I think they can be better. Now that my dogs have age-related issues, I can't change insurance companies so I will stay with ASPCA. While I would recommend this company to others, I would strongly suggest that they do their homework before signing on.
5

out of 5

POSTED: | BY: Tess

I definitely recommend ASPCA Pet Insurance!

We really enjoy the coverage we receive for Butters in our home the past 3 years! ASPCA Insurance helps take the sting out of paying the vet bill when I know many of Butters medications and conditions will be covered and reimbursed right into my bank account within a few weeks. In my household, the monthly fee pays for itself- and knowing we're covered if an emergency happens gives me great peace of mind. .
4

out of 5

POSTED: | BY: Dan

Thanks for insuring Keiko for these 8 years!

We have had ASPCA pet health insurance for our dog Keiko for all 8 years of her life so far. The company has always been responsive and helpful. It has been good value for us, and reassuring that we know we have this protection for her. Thanks!
5

out of 5

POSTED: | BY: Leslie Skyba

Great Service

I am thrilled with the service you provide. Top notch! No complaints here.

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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