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: Connie Gennamore

Excellant choice for Pet Insurance

Now that our boy is getting older we like to have a check up 2 times a year-- at vaccination time. We also have his hips, legs and elbows checked. Thank goodness he is perfectly healthy -the ASPCA insurance is awesome. Pays quick, no stress, no issues and the reimbursement amount is very decent. I never want to use it -they can have our money for it, but protecting our little man is very important because tomorrow can bring anything. I highly recommend using the ASPCA for all your Pet insurance needs
5

out of 5

POSTED: | BY: Peggy Heavingham

Very pleased with service

I would recommend this Insurance to other pet owners. Easy to send claim and prompt with payments.
5

out of 5

POSTED: | BY: Barbara Zuckerman

ASPCA Pet Insurance has been Amazing

My dog Wesley has been very ill over the last 2 years and ASPCA has covered a great deal of the costs which were high. They have paid very quickly and always acknowledged receipt of my claims.Furthermore they called to see how my dog was doing. I really appreciate their help.
5

out of 5

POSTED: | BY: Kristin McWhorter

ASPCA really Cares

I have had various Insurance plans for my dogs over the last 20 years and none of them even compare to ASPCA's Pet Insurance program. They genuinely care about my dogs-and me. They also pay a decent percentage - something not true with other companies I used. Their monthly charges are reasonable as well. And they have compassion when the worst thing happens. They even said they would pay final expenses. I had already removed that from my claim and they said they would pay it. I was not up to filing that so let it go since they cancelled his insurance - even back dated the premium since I (had to) waited to call.
5

out of 5

POSTED: | BY: Jazzi

ASPCA is terrific!

ASPCA if terrific!

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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