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: Jessica S

Has been great for us

I chose the mid-level continuing care coverage (accident/illness) for our rescue mixed-breed dog. She has been covered for everything we've submitted for and it has made it far easier, financially, to have been able to provide the medical care needed when she needed it. Would buy it all over again.
5

out of 5

POSTED: | BY: Cynthia Wilson

Kindness for our loss of Mocha

I am grateful for ASPCA Insurance. My cats Mocha and Espresso are my boyzzz. Very special to me and very sweet. Feb 28th I Mocha passed away. He had been ill for several years and a fighter always with good disposition. He always remained loving and kind through his sickness. Feb 28th I came home and he had passed away. Before I left he showed no signs of dying always strong and loving. A very difficult time for me and his brother Espresso. Friends immediately came over to help me bury him and plant a little garden for him. Espreesso has been having a difficult time with the loss of his brother and has been sick. Over the few months Espresso and I have been healing and doing much better. Espresso's health improving. ASPCA and my appologies my I am not rememberning his name called shortly after Mocha died with condolances. He is very sweet and what a surprise to have an insurance company call and check in on Espresso and I to see how we are doing. Human insurance companies have never done that for any of my family losses. Recently he phoned again to check in on Espresso and see how he was healing and if his sickness is improving. Espresso and I are doing better and Espresso's health is improving. Espresso also a fighter like his brother Mocha and always sweet and loving no matter how good or bad he is feeling that day. Happily, I have a wonderful Doctor for Mocha and Espresso and their hospital and staff so sweet and caring, as well. Espresso is beating his sickness and improving everyday.Thank you ASPCA for always quickly processing thier claims and helping me with the costs.nAnytime I call in for help understanding claims, best way to process, and reviewing insurance before renewals the person speaking to is patient, understanding and very helpful. So glad I have ASPCA insurance for my kiddos. Cynthia
4

out of 5

POSTED: | BY: Greg

Great service and follow-up

After our Bichon Frise tore his cruciate ligament, ASPCA Pet Insurance reimbursed us quickly for the initial visit, the surgery and the followups, and with minimal red tape. We're greatful for the policy and will be renewing with the added wellness coverage this year.
4

out of 5

POSTED: | BY: Linda

Very easy claim process and follow-up

My 11 year old cat was beat up by, we think, a raccoon or could be fox. Health ins. really covered quite a bit of the bill. I was surprised because in past experience this wasn't true. Pet Health also called to inquire how he was doing. His big pink furless belly sure was funny looking! Fur's growing in now.
5

out of 5

POSTED: | BY: Cynthia Sandler

Best insurance for pets

ASPCA has given me peace of mind knowing that my three pets can receive excellent medical care when needed and their healthcare costs are affordable.

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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