ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,866

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: Guy Charbonneau

You can't find any better

They provide an easy way to send the claim on the web. They confirm the claim been accepted within days and quick refund directly to my bank account. Can't get better service.
5

out of 5

POSTED: | BY: David

An Important Part of Pet Ownership

I've been a policy holder w/ ASPCA Pet Insurance for 15+ years. Ya don't stick with someone/something that long unless you like it, and they're delivering what they say they will, and what you are paying for. I find the entire claim process to be easy, convenient, and fast! When I've spoken with customer service reps, they are always courteous, helpful, and genuinely interested in my pet's well-being. My Dogs are part of my family, and I protect them as such. It makes good sense to me and gives me peace of mind to have pet insurance. The peace of mind comes from knowing I don't have to hesitate to get my Dogs medical attention if needed. One hopes to never have occasion to use it, but it's great to have if you do.
5

out of 5

POSTED: | BY: Jack W.

Great coverage & followup

Toot, my GSD, is now 8 years old, and has been covered by ASPCA since he was a pup. I have submitted numerous claims for treatment over the years. The ASPCA payments have been timely for treatment, and more often than not, I receive calls from ASPCA regarding his improvement. They really care about Toot. I highly recommend ASPCA to all pet owners. I have never had a bad experience with ASPCA. Toot is my best friend, & I want only the best for him. That's why I chose ASPCA.
5

out of 5

POSTED: | BY: Mary Malloch

ASPCA Pet Insurance

My dog Olivia has been covered since she was about 9 months old. She proved to be very healthy and with the exception of when she was bitten by another dog her only claims were for wellness care. That all changed about a year and a half ago when she developed Rheumatoid Arthritis. Since then I have filed many claims for Veterinary services, lab work, x-rays, braces and medications. All of which were paid as per Policy and promptly.
5

out of 5

POSTED: | BY: Brynna

My experience has been great!

I have a dog with a lot of illnesses, and aspca has been prompt, caring and thorough!

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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