ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,866

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: Marsha and

Pet Insurance when you need it

We have two pups covered by ASPCA. One is 14+ and the other 7+. They are on different plan levels and each seems to work. There have been fairly long periods when I haven't put in a claim--even when I could have--because the amounts were small and I'm terrible about paperwork. ASPCA has actually had staff call us to remind us of what we can claim! This past year we've had more claims than usual and the response has been good. My older pup now has cancer and some big bills are about to go in. So I will be waiting to see how they are handled. But to date, we've been quite satisfied. I'll come back with a "10" if the reimbursements are fair.
5

out of 5

POSTED: | BY: Judie G.

Prompt and Courteous

Every time I have filed a claim, it has been dealt with promptly and professionally. A representative called to find out how my dogs were doing after their surgery, and to let me know my claim had been processed. I highly recommend ASPCA pet insurance to anyone needing this kind of service.
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4

out of 5

POSTED: | BY: Magnus Lassi

Fast refund of claims and great service

I've been using ASPCA Pet Health insurance for a number of years. They are usually pretty fast at refunding expenses. I've had some major health issues with my dog throughout the years, once instance I was refunder of $5,000 and they still didn't drop me or raise the rates so high that it was not affordable any longer. They often call to check if everything went well at the vet and if I'm satisfied with the claims service. The only minor thing is that like all other insurance providers, the amount that they allow are usually less than any good vet I've been to charges. Thankfully I have a good vet that is pretty close to the amount they charge.
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3

out of 5

POSTED: | BY: Schaun Konradd

Not covering the dental which is very important for health.

It doesn't cover the dental insurance.
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5

out of 5

POSTED: | BY: Lynsie Pedraza

Great pet insurance

I have had pet insurance just over a year for my dachshund. He had always been healthy recently he ate something bad which caused sever vomiting. That lead to bacteria in his lungs that developed into pneumonia. He was in the Er for 4 days. His bill ended up being $2500. His insurance covered $1700. That was a huge help. I filed his claim online and had the check mailed to me in a week. They call and check up on him to make sure he's doing better. Glad I have pet insurance and glad it's through ASPCA.
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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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