ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,894

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: Velma Black

My pet inc. is a God send.

I have 3 little fur babies and it seems like they all have to go to the vet at once. That's a hand full, so they go one at a time. Thank God I have only had a couple of real bad things go wrong. My chihuahua Baxter had something happen to his liver. I was so afraid I was gong to lose him, and so was the vet. But thankfully we pulled him through.Then Skittles tore her ACL, that wasn't fun for sure. But we got her up and going in no time. I'm so glad I have my pet inc. I would have vet bills coming out my ears. ASPCA vet inc. is so great to have when you need it, I suggest everyone get it for their fur babies.
5

out of 5

POSTED: | BY: Laura Rime

ASPCA came through in a major accident

My cat was hit by a car and need trauma treatment and oath surgery which added up to a huge bill. If it wasn't for ASPCA's coverage, I would not have been able to treat my cat and save her life. They managed my claim quickly and paid out exactly as expected. Our little Forest is doing well thanks to her good care and for ASPCA.
5

out of 5

POSTED: | BY: Maryann Cross

Reimbursement was quick, easy and without problem.

My cat was diagnosed with hyperthyroidism. I got reimbursed for blood work, vet visits and medication. The people who work for them are so nice.They even called me to comfort me when her brother died. I would recommend ASPCA.Avoid long island veterinary specialists at all costs. They are running a factory. They killed her brother.
5

out of 5

POSTED: | BY: J. Grassadonio

Well worth it

When the unexpected medical expense arises, ASPCA insurance helps provides peace of mind. Claim forms are simple to complete and email, and reimbursement occurs within a few weeks.
5

out of 5

POSTED: | BY: Sandra Sheehan

ASPCA insurance is like an extra friend

My dog had a growth on her thigh which turned out to be a rare type of a mass cell tumor. Lily has had to have surgery, meds, ultasound & bloodwork.At the same time she experienced high occular pressure and has to be treated for that. The medical costs really add up and it helped tremendously to have the claims processed quickly and easily especially since the premiums are reasonable. It was very nice to get a phone call from a caring representative inquiring as to her recovery.Lily is doing well but will have to have ongoing checkups and I know ASPCA will be there to help me provide the very best medical care for my baby!Thank You!
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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 Insurance detail
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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