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: Polina Kunin

Happy with the service !!!

Never had an issue with the company. They provide the best support and insurance thus far. Always a pleasure when I need to call and very helpful when I have an issue
5

out of 5

POSTED: | BY: Jeanette Gross

Excellent Customer Service!!

We have had a couple of major surgeries for one of our dogs recently and have been very happy with ASPCA's coverage and how easy the claims process has been. Coverage was higher than I expected when we chose to go to a specialist instead of the regular vet.
5

out of 5

POSTED: | BY: Susan Alaimo

First time pet insurance buyer

We purchase Pet insurance for our new puppy the beginning of January not knowing that we would be using it less than a month later. Sophie had an emergency blockage. Very satisfied with the speed of the claim and happy with the amount we were paid. Just a little disappointed that some items were not paid at the full price because of excessive charge by the hospital? This was an emergency condition and we could not "shop" pet hospitals with the "best" prices. Other than that we were satisfied.
5

out of 5

POSTED: | BY: Janice K

I love my kitties so much ... I have purchased ASPCA Health Insurance for them

We had two cats whom we loved like children. In 2012, our cat Simon developed diabetes and required insulin shots for several months before passing away. In 2014, after many months of treatment for pancreatic disease, his brother Alvin passed away. Both cats had very expensive treatment, and we learned that we would have been better off financially had we had health insurance. We adopted two new rescue kitties in 2014 - Sherlock and Lucy Lu. As soon as we did, we purchased ASPCA health coverage for all of our cats - the two new babies as well as Simon and Alvin's younger brother Theodore. We have given ourselves peace of mind. We know that we can give our cats proper health care. Our coverage not only takes care of them when they are ill, but they are also covered for "well cat" checkups. We love our cats like they were our children, and ASPCA Health Coverage allows us to provide proper health care for them as if they were our children.
5

out of 5

POSTED: | BY: Janice K

I love my kitties so much they're insured!

We had two cats whom we loved like children. In 2012, our cat Simon developed diabetes and required insulin shots for several months before passing away. In 2014, after many months of treatment for pancreatic disease, his brother Alvin passed away. Both cats had very expensive treatment, and we learned that we would have been better off financially had we had health insurance. We adopted two new rescue kitties in 2014 - Sherlock and Lucy Lu. As soon as we did, we purchased ASPCA health coverage for all of our cats - the two new babies as well as Simon and Alvin's younger brother Theodore. We have given ourselves peace of mind. We know that we can give our cats proper health care. Our coverage not only takes care of them when they are ill, but they are also covered for "well cat" checkups. We love our cats like they were our children, and ASPCA Health Coverage allows us to provide proper health care for them as if they were our children. We have been very happy with the ASPCA Health Care coverage.

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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