ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,796

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: Alysa G

Great Insurance Wonderful People

I have had ASPCA pet health insurance for my girls since I got Daisy (she is now 14). I have continuing care and cancer coverage. They are the best. The premiums are reasonable, payments quick (especially with direct deposit), and the staff is wonderful. They call to inquire as to the girls' wellbeing and to make sure I have everything I need. Daisy is a Rotti mix, Sadie is a pit mix (12) and Princes is a pit mix (1). They covered TPLO, cancer surgery, ongoing Adequan injections, medicam, Princess's spay even though I literally just added her to the policy, and little Princes got a porcupine within a three week period. They didn't bat an eye, paid the claim and called to check on her. Wonderful, wonderful company and people. Highly recommend.
5

out of 5

POSTED: | BY: Leslie Reynolds

User friendly superior customer claims service!

I have 2 Siamese (6 yr old sisters) that we're losing weight . Bet decided to run above routine bloodwork to see determine the cause. Bloodworm indicated there was no major issue and it was likely food allergy. ASPCA online claim submission was super easy and the claims were processed with zero issues. I couldn't ask for an easier stress free process! So nice to have them in our corner especially in the future as my little angels get older. 😻😻
5

out of 5

POSTED: | BY: Joan M

ASPCA is the best pet insurance out there

Having ASPCA Pet Insurance has come thru so many times in the past many years. With three small dogs, my Yorkie the oldest at almost 13 yrs has had several big surgeries. ACL and kneesurgery, MRI for diagnosing dementia signs, now on meds for high blood pressure. Each time involving specialists and each time their insurance came thru with payments in no time. Our other 2 dogs have also experienced very expensive tests and always prompt payment from ASPCA I definitely recommend ASPCA Insurance.
5

out of 5

POSTED: | BY: Kevin

Good coverage, fast reimbursement

I've never had an issue with ASPCA. From basic checkups to unexpected visits they've always been prompt in responding to claims and reimbursing me on time.
5

out of 5

POSTED: | BY: christine herrera

Great insurance

They were fast to reimburse and very friendly
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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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