ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,860

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: Chuck L

Awesome!

Long story short: dog had eye ulcer that required 7 vet visits including a specialist. Submitted all paperwork and had reimbursement about a month later. There was a delay but that was on the vet side of it. ASPCA staff were always super helpful and pleasant.
5

out of 5

POSTED: | BY: Anne Davis

Very good & reasonably priced insurance

I had different insurance for my previous dog and this insurance has much better coverage for the same price.
5

out of 5

POSTED: | BY: Gail Roccagli

Fantastic well worth the cost‼️

I'v had for 7 years very affordable considering the problems older babies have. It has more than paid for itself. ‼️ Claims are processed in a timely manner . Will always have a pet companion and always have this insurance.
5

out of 5

POSTED: | BY: Kitty maes

ASCPA truly cares about your pet!

I love how whenever my dog is sick and I have to put in a claim not only is the claim handled promptly but they also call to ask me how he is doing! They are so friendly on the phone and are general concerned about my fur baby ! To me that truly means a lot being my little boy( even though he isn't little anymore - is now 12) means the world to me! It's great to know they too are looking out for him! 😊
2

out of 5

POSTED: | BY: Denise Andrews

payments

I'm not pleased with this pet insurance they don't process your claim in a adequate amount of time. There is no reason I should have to wait 2 months to have a claim paid. I was informed that aspca was waiting on a year worth of records for my dog.Last year has nothing to do with this year.what it is that I filed two claims in one year.I'm finding that they like to do direct draft for there payments but not happy when you file a claim.

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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