ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,794

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: Cindy

Best insurance experience ever!!

I have had the experience of filing claims for my beloved 4 year old lab on more than one occasion. The staff at the ASPCA are so superb that should be the service model for all insurance companies, and other businesses too. Must be their love for animals that make them such great people to deal with. Thank you so much. I actively promote ASPCA to my pet owning family and friends. I would give 10 stars if I could. And a shot out to Bob, you are the best. He actually called me days after just to ask how my Belle was feeling!.
5

out of 5

POSTED: | BY: Mariko Takagi

Excellent Service

As soon as they receive my claim, they send me email,then follow up phone call. Always very friendly and concerning about out dog. They pay me back always with decent amount. I'm so glad that I chose ASPCA. I recommend to everyone who has pets.
5

out of 5

POSTED: | BY: Lindsay

worth the money

Pet insurance is expensive, but it is definitely worth it. My cat's bills have been going up and up, but with this policy, I know that I can cover them. Best part - their reimbursements are fast and fair!
5

out of 5

POSTED: | BY: Rick Bassman

new with ASPCA Insurance

I insured my beloved dogs --Ramone, GoGo & Eos-- with ASPCA Insurance about 3 months ago. Unfortunately, Eos fell ill and I had to bring her to the vet. I put in a claim for the the services she received with ASPCA. From the get-go, throughout the entire claim process, and ending with receiving reimbursement and a follow up call to inquire about Eos' well-being, I found their system easy to navigate, and each person I spoke with there to be courteous, efficient, and as it seemed to me, genuinely caring about my pups. I am very happy I selected ASPCA Insurance for my pups. I am also happy to report that Eos is doing great!
1

out of 5

POSTED: | BY: Liz

Waste of money

I was a former ASPCA Pet Health Insurance customer, but cancelled today because all three of my claims were denied. I had to draw the line when my dog's recent visit to the vet (including xrays and treatment) was denied on the basis of being a "pre-existing condition." He had eaten a plastic mouth-guard! How is that a "pre existing condition" and not an accident? When I called customer service to see why this wasn't covered, she said it was considered a preexisting gi problem and that the vet didn't find evidence of a foreign body. This is a lie - our vet has pieces of the mouth guard that Luke vomited up. The other claims that were denied were for an ear infection and conjunctivitis. I had the level 2 plan, which is supposed to cover accidents and illness. I think this whole pet insurance is a scam, and I will let everyone know about my experience.

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.

Get a quote today

Leave a review