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: Mary

Amazing Support!

I have been an ASPCA Pet Insurance member for nearly four years, during which time I have covered three of my dogs, including one who did not make it. After transitioning from another insurance provider with which I had a very long association, ASPCA has been a breath of fresh air. Their care and concern for me and my animals is top-notch. Their payouts have been consistently strong (amount and response time) - not something I was used to as I had to actively engage the last company to get a nickle. At the beginning of the year, my 12.5 year old Border Collie mix was diagnosed with Cushing's. The Cushing's presented with extreme thirst and urination and I truly thought I was going to lose my girl. It took some time to diagnosis and even with the multiple tests, ASPCA came through. The response I've had from ASPCA has been wonderful, both in payment and showing care and concern for me and for her. Each time I have spoken with someone, they have been exceptional. Their outreach to me is also unparalleled - nothing something I was used to either. I highly recommend ASPCA Pet Insurance.
5

out of 5

POSTED: | BY: Emily

ASPCA Insurance is great!

I love how SPCA Insurance calls after a claim to check up on how my dog is feeling. I wish my Health Insurance cared that much. The customer service is always very friendly.
5

out of 5

POSTED: | BY: Susan

FAST Claim Payment!

I recently filed claims for one of my cats and the procedure from start to finish was fast and easy. I submitted the claim online, uploaded photos of my receipts and received my reimbursement not too long after notification of the status.
5

out of 5

POSTED: | BY: Kelly B

Reliable, Fast, Easy Coverage

I've had a pet insurance policy with ASPCA for a few years now and have had to unfortunately file a few claims. They were always paid in a timely manner and with the direct deposit, it was super easy.
5

out of 5

POSTED: | BY: Jacquelyn Jones-Lipton

Terrific

We have been very satisfied with our pet insurance reimbursements. Our dog, a wire fox terrier, developed Cushing's with an adrenal tumor 5 years ago, and had we not had the insurance, it would have been a blow. He had to have major surgery and be in the hospital a week at UC Davis. Sadly, the tumor is back and uncontained and invading blood vessels such that we cannot have surgery. He is being medically managed, and again the insurance company has been wonderful and the staff, very kind and supportive.

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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