ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,792

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: Tom Baker

Good Service

I have had ASPCA pet insurance for several years but have not had to file a claim until this past December. My dog, Woogie, was diagnosed with a heart murmur and the vet started her on new medication. She also has allergies and has medication for that as well. Since December I have filed 3 or 4 claims mostly for the medication she takes. I have had a good experience and representatives have called me twice in the last couple of months to ask if I had questions about claims or if I needed anything at the time. The claim process is a bit slower than I would like (takes about 4 weeks of late) but that's not terrible and I have never had a problem getting information or understanding my claim reimbursement. Overall, they do a great job!
5

out of 5

POSTED: | BY: Christine Boyd

I highly recommend this insurance.

During one of the most frightening experiences, it was great to know my cat child had the insurance needed to get him back in good health. ASPCA pet health insurance made it easy to submit the claim and customer service representative was so friendly. Bandit and I give our sincere thank you!
5

out of 5

POSTED: | BY: Angela

Positive experience

I have never had my insurance company call to check on me. After Gizmo's two claims, a representative called to check on her and make sure I was satisfied with their service. After I submitted the claim with the receipt copy, it took a few weeks for them to reimburse me for a large portion of the bill. It was just in time for me to pay my credit card bill with the charge included. I am very pleased with their service so far and have recommended them to several others.
4

out of 5

POSTED: | BY: Gerald Kern

Very good response time and reasonable terms.

We have six cats and three dogs and have been with then for many years. We have found that they are reasonable in the amounts paid for each claim and that they are prompt in making payments.
5

out of 5

POSTED: | BY: Jean Murphy

Smooth and simple

Our claim was simple to submit, communication was excellent and payment came in a timely manner. Payment was surprisingly large! We live in an area where veterinarians charge more than the national average and still, we received great reimbursement. Outstanding Company!

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