ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,868

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: Mick Pierce

Peace of mind

We rescued Bella (rat terrier mini pin) when she was about 2 years old, every family member needs health insurance. She had tore one of her dew claws while playing just after we got her, had surgery to remove them from both legs. Since she is such an active and playful dog, there have been occasions that we have had to file a claim. All claims and reimbursements are handled quickly, with explanations and follow up. Without pet insurance, we would have been out thousands. As she gets older, it gives us peace of mind that we can make sure she is taken care of without worrying about how we are going to pay for her care. Thanks, ASPCA.
5

out of 5

POSTED: | BY: Patty Wigder

The best pet insurance !

I had two other pet insurances before ASPCA, and there is no comparison.ASPCA's claim form is simple, they respond fast and I have never had a problem with payments. Always a followup call to check on my dog too ! Without a doubt, the best, we are so happy !!
5

out of 5

POSTED: | BY: Carissa

My Dog is a Lemon! Thank you ASPCA

We got Zoey from a rescue 4 months ago. She has come down with every illness under the sun, and I'm so glad we have pet insurance! Zoey came down with Parvo the day we picked her up, and unfortunately we did not have insurance yet. We quickly purchased it, and have used it multiple times so far for ear infections, stomach bugs, and other stomach problems. I would recommend pet insurance for any pet owner, especially those with young pets. ASPCA has been easy to use, responsive, and the company really seems to care. I'm very happy to have Zoey insured through ASPCA! Thank you!
4

out of 5

POSTED: | BY: Christine Bernier

Very helpful

It is very helpful for us seniors who are on fixed diets and it allows us to keep our pet. Our dog got bronchitis and if it was for insurance it would have meant a very sick dog with us trying to self medicate or going with out grocerys. Wish price didn't increase with age it makes it harder on us
4

out of 5

POSTED: | BY: Sophia

Pleased with my experiences

Easy filing of claims, decent turn around time to be reimbursed.
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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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