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.
4

out of 5

POSTED: | BY: T. Harris

Good insurance to have!

I have been happy with ASPCA Pet Insurance. The only reason I rate them 8 out of 10 is because they don't cover the Chinese Meds and the holistic meds or vitamins and supplements that my dog needs due to allergies. One of the holistic meds he takes is Thorne Quercetin Phytosome which works like Benadryl without the side effects or taxing of the liver. This supplement has practically eliminated our vet visits for skin issues caused by allergies. I would like to see coverage for these types of supplements. Customer Service at ASPCA is excellent. The staff are friendly and informative when I call in for support. I highly recommend ASPCA Pet Insurance.
5

out of 5

POSTED: | BY: Geoffrey Zamboni

There in time of crisis

Our dog, Shelby, (or our kid as we all say) had a Dx of Lymphoma on 2/1. The aftershock of hearing the total cost for treatment left us wondering how to keep on track with our normal projected expenses. ASPCA came through beautifully and painlessly. On line submission was clear and worked really well. Instructions were clear and the claim was honored in timely manner. Shelby is in remission but with more follow up treatments, but we've got it covered now. THANK YOU.
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5

out of 5

POSTED: | BY: Ernie Franco

Our Pom loves ASPCA Pet Insurance

Our Pom has Diabetes for 3 years now and thanks to ASPCA Pet insurance he is well taken care of. They always come through and pay their share of Wylie s Insulin, required blood glucose curves and exams. It would be impossible to say enough great things about this service, they are spot on with their coverage per my policy. They have never ever tried to find a loophole to deny Wylie coverage for his diabetes and other illnesses. I highly recommend this to anyone in the market for pet insurance.
5

out of 5

POSTED: | BY: Patricia N

Reliable

I have been using ASPCA for years and they have been very fair with me and my pug, Mia. I have recommended them to many of my friends.
3

out of 5

POSTED: | BY: David Ferran

Misleading reimbursements

My coverage is supposed to cover 80-90% of the claims that I place. However, I never receive that amount back. They use misleading verbiage such as "customary costs". I'm giving this provider 3 stars because I do believe they have great customer service - the plans just don't justify the high premiums charged. I'll be reevaluating my insurer as soon as I get enough time to do more thorough research.
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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 Insurance detail
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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