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: Wanda McIntosh

The staff

My experience with the staff at ASPCA was awesome. I found them to be very helpful, cordial, and I was treated with such caring, grace and professionalism. I must say that this meant so much to me for I have not experienced this in several years.from other establishments. I definitely recommend this service to others who are considering pet insurance. Thank you so very much and may God bless you in a mighty way.
5

out of 5

POSTED: | BY: Cindy Handler

Quick and Fair

Our dog has had a number of health issues, and our ASPCA Pet Health Insurance has always reimbursed us quickly and fairly. They also follow up with phone calls about our pet's health, which is considerate.
5

out of 5

POSTED: | BY: Katie Holleran

I would absolutely recommend this company to anyone with a pet.

ASPCA Pet Health Insurance has been excellent to work with. I can upload my claims online, check their status, and have funds directly deposited to my bank account. Whenever my puppy has been ill, I have received a personal call from an ASPCA rep asking how he's feeling and if I have any questions about the claims. Really great company to deal with and always speedy with responses!
5

out of 5

POSTED: | BY: Stacye Terry

100% Happy

Friendly, and fast service. Haven't had one problem. Will continue to have as my dogs insurance. We have had to use it quite a bit. My dog is active and accident prone.
5

out of 5

POSTED: | BY: Fianna

Gall Bladder Surgery, quick pay-out

My doggie was having diarrhea and throwing up, so we took her to the vet who did diagnostic imaging. The vet said my dog's gall bladder was severely distended and she needed surgery immediately. We were able to get her into surgery within 4 hours. The entire ordeal was very expensive, but I'm glad I had insurance to cover a portion of it. ASPCA insurance paid out quickly, so I was able to recoop some of what I had to lay out. It was great having that peace of mind! The best part is that my doggie is 100% healthy again, and is doing fabulously well!

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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