ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,864

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: Brenda Vianna

ASPCA Helped Save My Simba's Life

My sweet boy Simba is only six years old and he suffers from congestive heart failure and asthma. His diagnosis and treatment is very expensive and if it wasn't for ASCPA Pet Insurance he might not be alive today. We would not be able to afford his treatment for too long with them. I also appreciate the impeccable customer service. I wish my human insurance company cared as much about me as ASPCA cares about my cats (and my husband and I). I recommend ASPCA to all my friends and family with pets and can't say enough good things about this company. Thank you ASPCA for loving my cats as much as I do.
5

out of 5

POSTED: | BY: Marian Rocco

I love ASPCA pet insurance

I am so Grateful for ASPCA pet insurance. It is such a comfort to know they are there for my pet. They always process the claims quickly and always call to see how my dog is doing afterwards. They are very compassionate. When I first purchased the insurance, I wanted to have it because I was concerned that if something bad were to happen, I wouldn't have the money to cover the expenses. I never wanted to have to say no to something my dog needed because I didn't have the money. ASPCA has been there for us through the small things too. Thank You ASPCA! 🐾❤️
5

out of 5

POSTED: | BY: Sarah Doyi

So Grateful for ASPCA pet health insurance/cancer

I purchased Sabbath's pet health insurance about 2 weeks after I adopted her (at age one) and she had eaten two boxes of window caulk. (Labs, labs, labs!) I still remember that the sales rep I spoke to helped me laugh and feel much better about the caulk incident in addition to helping me purchase a policy. Recently Sabbath, now 8, had to have surgery and pathology for a mast cell tumor which, thankfully, was localized. ASPCA pet health insurance reimbursed me quickly for a large portion of the costs, for which I am extremely grateful. As Sabbath enters her senior years, I certainly have peace of mind knowing I will have financial assistance and so will be able to provide for my dear girl. The follow up call I received today was so kind and I thank you all from the bottom of my heart.
5

out of 5

POSTED: | BY: Pat Lennon

great service

Excellent customer service and fast claims process
5

out of 5

POSTED: | BY: Ken

Excellent service

My only complaint is that you don't pay for all shots like flu
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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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