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: Angela Dickinson

Best decision I made as a pet owner .

I love the peace of mind I have by having pet insurance for my Labrador, Mae. I never let the high cost of veterinary services hold me back or sway a decision of taking her in. I can always make sure she receives the best care and recommended treatment no matter the costs. I have am reimbursed most of the money I pay. The monthly payment is well worth it.
5

out of 5

POSTED: | BY: Nancy S

Fast and Friendly!

I have always carried ASPCA Pet Insurance on my dogs ever since I learned bout their insurance. This gives me peace of mind for my dear "children". I recently filed a claim after taking my 13 year old female lab mix (April) to the vet. The outcome was good for my little girl. Thank goodness! But your question is: How was the insurance coverage? I filed the claim and received reimbursement within a couple of weeks. The process was quick and efficient. I simply scanned in a copy of my vet's invoice and clicked a few buttons to file the claim. It was very easy. Afterwards I was very impressed that a kind staff member from ASPCA Pet Insurance called to check on April. He was very sincere and kind. I do not think he was just "doing his job" and fulfilling a duty. I was very pleased. I do not make a lot of endorsements, however I recommend ASPCA Pet Insurance to my friends. I hope you find this insurance to meet your needs as well. Thank you!
5

out of 5

POSTED: | BY: Morlene

Thankful for ASPCA Insurance

Jack will be 7 yrs old in December. He is a Bichon Frise/Poodle. What a WONDERFUL addition to my home. I am 69 yrs old and THIS IS MY FIRST DOG (my first pet)! So like my first child I want to take good care of him. I knew I should have health insurance for him so contacted ASPCA and it was an excellent choice. I hope not to HAVE TO MAKE CLAIMS but it does happen and they are great about letting you know how the process is proceeding.
5

out of 5

POSTED: | BY: Jan

Coverage for Niki's torn ACL

I am very appreciative to ASPCA Pet Insurance for their help with this. My beloved puppydog - Niki - had torn her ACL, and the surgery and meds cost me a ton. They paid for most of the cost, and considering I am financially challenged at the moment, was extremely helpful. They also called me to find out how Niki was doing. Previously, Zak had a problem with his bowels - the canine version of IBS - and they have coverd all his meds. These guys are great.
5

out of 5

POSTED: | BY: Ellen Mandell

ASPCA Insurance has been a life saver

My pup has a lot of health problems, and the diagnostic testing and doctor visits have been very costly. I couldn't afford it without this insurance. Our local paper recently had an article listing expenses people really don't need to incur - and pet insurance was on the list. That article was so wrong.

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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