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: Jamila Bush

Pet Insurance

The insurance is awesome!
5

out of 5

POSTED: | BY: Sandi

Pet insurance - Elderly cat

We have the illness/accident insurance plan for years. It has certainly helped offset our expenses as our elderly cat developed a thyroid problem and joint pain the last couple of years. The claims are processed quickly and a follow up call from the claim dept. helps insure that you are aware the claim is processed and if there are any questions. They also seem genuinely concerned about the health of your pet.
5

out of 5

POSTED: | BY: Ellen Eriksson

Simple...A Breeders Peace of Mind!

I wouldn't be without my ASPCA insurance. I am a breeder of Pomeranians and even though I have had this insurance on several of my foundation dogs for many years, I have only had to use it two or three times. But the peace of mind that it brings just knowing it is in place is priceless! The people that I have spoken to are all very nice and receptive and willing to help.
5

out of 5

POSTED: | BY: Melissa Kettrick

Wonderful to have!

This summer our dog developed a urinary tract infection. We had to take her to both an emergency vet and then follow up with our normal vet. Our insurance ended covering a decent amount of the costs, and the claim is very easy to submit. Turn around time to receive the check was between 3-4 weeks. And, they followed up to see how Maisey was doing. Very nice!!
5

out of 5

POSTED: | BY: Eleanor Lee

Genuinely helpful claim's process

Currently we have found ASPCA most professional and helpful in working through a complicated surgical situation that had to be stopped in order to determine previously unsuspected cancer. Fortunately the results were benign. The original surgery was then referred to a specialist. What appeared to be 2 surgeries for the same condition at 2 different veterinary clinics was actually 2 separate surgeries. The first for cancer and the second for TPLO. Every one has been courteous and genuinely concerned that we receive reimbursement for a most expensive journey for our Maggie. Soon she will be bounding into the future.

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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