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: Elise Capron

A great safety net! And good, reliable service.

I have never had insurance for my pets before, but went ahead and got it for both my rescue dogs when I took them in about 2 years ago, just in case.I have found ASPCA's rates to be reasonable, and when we filed our first claim last month (for surgery related to severe periodontal disease), the process was simple, clear, and the claim went through in just over a week. I was satisfied with how much of our claim ASPCA paid, as well. Their website is easy to use, it's simple to access information about my dogs' plans, and customer service has been good. I have heard horror stories from some pet owning friends about other insurance companies, so will now only recommend ASPCA. They are great!
5

out of 5

POSTED: | BY: Lisa

Reliable communication and genuine employees

Aspca pet insurance has been very reliable and have helped a ton with reimbursements on vet Bulls as we struggled to figure out what was wrong with our dog. Once we finally followed up and got her on meds, they followed up to find out if she was feeling better and if there's anything else they can do to help. I was really impressed with the service and the genuine people I spoke with (like bob).
5

out of 5

POSTED: | BY: Sundeep

one of the best decisions we made for our puppy!

My wife and I adopted an older (9 years old) min pin soon after we were married, and because of some health concerns the shelter had, we knew we may be taking him to the vet more often then we'd like. I learned about pet insurance through my vet's office, and looked at VPI, Trupanion and ASPCA. The first two would not provide coverage to our puppy because of a combination of reasons (age, pre-existing conditions, congenital breed issues...all the good stuff) so i decided to give ASPCA a shot. I AM SO HAPPY I DID! They provided coverage for our little guy, and I have not regretted the decision to go with them. The premium for him is reasonable, and the coverage they've provided is more than I would have expected from a pet insurance company. There are some reasons certain things are not covered, but they have always explained in detail why things are not covered and all are reasonable/rationale. I can honestly say I've been pleasantly surprised when I see the amount covered. Case in point - our little guy recently went through some tough times, having seizures unexpectedly which cause us a lot of concern. We took him to a neurologist who recommended an MRI, which can be a costly examination (~2000). We decided to get the MRI and would figure out the finances regardless of what Insurance covered. Submitted to ASPCA after the MRI was done...Boom, 80% covered which was incredibly helpful. As an added bonus, their website makes it easy to track the status of claims, and things are processed in a very timely manner (longest so far is 10 business days). What really impresses me about ASPCA is that they show they care about our dog's well being. After seeing all of the claims for the MRI, seizures and all that fun, we got a call from Bob from ASPCA - this was not to do anything but ask how Eddie was doing, if he was feeling better, if we needed anything additional or had any questions about our claims. This has been consistent from all of my interactions with them - first part of the conversation is always "how is he doing" or "i'm really sorry to hear that" followed by some words of comfort. It is very comforting because these calls are usually made at stressful times. For any other pet we have, I will absolutely be getting ASPCA coverage. Highly recommend!!
5

out of 5

POSTED: | BY: Kristy

Great service!

My dog injured his leg/foot jumping off the bed. I submitted my claim and within a week they deposited the money into my account. They have also called to follow up and check on my dog twice after this incident! Great service! Highly recommend!
5

out of 5

POSTED: | BY: Sharon G.

There when you need them

ASPCA Pet Insurance is a great partner for me and my precious 3 year old Toy Poodle, Barbie. They put my mind at ease during her health crisis, helped me find the paperwork, and most importantly, took care of my claim and reimbursed me in a timely manner. Everyone was friendly, professional and helpful. Call them today!

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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