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: Cynthia

This insurance helps decision making

Insurance is not cheap but the fact that I have it has made medical decisions regarding my 14 year old dog easier knowing that I will get some money back. I have both my dogs insured and recommend pet insurance for anyone that can afford it. Puppies and older dogs have many issues and this insurance gives me piece of mind when talking with the vet cost of procedures.
5

out of 5

POSTED: | BY: Kathryn Buckley

helped me out

When my 3 year old dog fell in a hole and bust her knee I thought how am I going to pay for that but the pet insurance stepped right in and helped with most of the bill
5

out of 5

POSTED: | BY: Rob M

Files a claim, it got paid

We filed a claim for something like $1600. They paid the claim promptly according to the terms of the policy. Filed the claim on line. It was easy and it worked according to plan.
5

out of 5

POSTED: | BY: S.Elep

ASPCA insurance is the best!

They have been the best insurance company for my pets. The claims come in a very timely manner, they always check up on my pets and they really care about them! I've recommended them to all of my friends that have pets!
5

out of 5

POSTED: | BY: Dan Cayem

Best way to protect your pets

I've had several claims with my little adventurous puppy. I don't have to worry about what is or isn't covered, where I have to go or anything like that. I just take my dog to the vet and submit the claim. Its easy, fast and they call to ask how my dog is doing during the process. They are awesome.

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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