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: Douglas P

very caring@helpful people.

Axels- Baby check over. And later neutering& Chip Insert.
5

out of 5

POSTED: | BY: Mike

If you go to the vet, why not have coverage?

My Chihuahua hurt himself probably jumping like most dogs. Brought him to my vet and immediately was clear that his back and neck had been injured. Did not require surgery but did require multiple visits to correct. I had nothing to lose so I submitted my claims (very easily online) and within a week had a response. Most of my claim was covered.
5

out of 5

POSTED: | BY: Saundra K

Pet Care Support

Since purchasing this insurance the customer service staff has been there every step of the way to answer all my questions concerning this insurance. Filing claims has been a breeze and refunds have been deposited in an expedited manner. Thank you all for making it possible to provide quality care for our fury family.
5

out of 5

POSTED: | BY: Felicia Fong

So glad we purchased pet insurance

I purchased ASPCA pet insurance after my first visit to the pet ER with our Maltese puppy. She is now 6 years old and I am so happy that we have maintained her coverage. It has been well worth the money !
5

out of 5

POSTED: | BY: Brenda Fernandes

Customer Service

My claims were processed really fast! They are very courteous whe you call and takes time to explain everything.Great customer service.

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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