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: Cynthia Paveglio

Thank you ASPCA

Very satisfied with the pet insurance and service received from ASPCA Pet Health Insurance. It is very simple to file a claim and track it. All done online. I have never had any problems and found it comforting to receive a call from a rep asking how my pet was and if I was satisfied with the company's service in processing the claim.
5

out of 5

POSTED: | BY: Amanda G

Hard time at first, but ASPCA came through for us!

We adopted Chessie in April 2015, we had gotten her insurance for just in case instances as she was in good health. She at the time, was a 2 year old English Bulldog on good health aside from Heartworm, which the rescue was paying for treatment of. After the treatment Chessie fell off our bed in February 2016 and ruptured her ACL, she fell short of her one year coverage for such accidents and unfortunately we had to pay for that (an almost $6,000 bill). We recovered from that and just recently in June Chessie was hit by a car while on a walk, she was leashed and we were crossing at a corner in a crosswalk when she was hit. Although the full $2500 bill was not covered we did receive payment for a bit more than half which was welcomed. The payment came quick and without hassle. ASPCA even called to check up on her after this traumatic incident. SO Thankful we have this pet insurance!
5

out of 5

POSTED: | BY: Fredericks

A Godsend

We got our Brandi pet insurance when we brought her home from the breeder and a well puppy check up at the Vet. For years she was a healthy and happy girl. At about age 6 she exhibited symptoms and we discovered she had atypical Addison's disease. ASPCA helped. Then about 6 months ago she tore a CCL and needed expensive surgery. ASPCA helped again. We are retired and the help from ASPCA enables us to take care of our girl and help with these expenses. They have been an honorable fine company to this point, and I'm so happy we insured our pup when we first brought her home. Thanks ASPCA Pet Insurance!
5

out of 5

POSTED: | BY: Gina Buczek

Claims

I submitted my pets insurance claims and received a response the next day confirming receipt. The checks were sent to me within 10 days. Great Job! Gina B.
5

out of 5

POSTED: | BY: Christy

Good Customer Service and Follow Up

This is my second time using ASPCA Insurance and once again I am very happy with their customer service and follow up. We have a just turned, one year old puppy who, like most puppies, has had her fair share of mischief. Some of which has resulted in a few trips to the vet. Needless to say our claims have been adequately covered, quickly processed and when I've had questions, those questions have been quickly and efficiently answered.

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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