ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,718

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: Harold Frank

Good and timely service..

I called to get the forms which were mailed out promptly. I submitted it and they validated the information and sent payment promptly. Most impressively whenever I spoke with a representative they always asked and showed concern for the health of my pet. It was as if the considered Casey a member of their family as well as mine.
4

out of 5

POSTED: | BY: Belisa Grefe

Simple Process

Very simple to submit claim. Quick response. Did not pay 80% as expected because the "reasonable and customary" prices are higher here in California.
5

out of 5

POSTED: | BY: Holly Anderson

ASPCA Makes It Easy

I recently filed two claims under my ASPCA pet insurance, one for each of my dogs, Schultz and Honey. ASPCA claim forms are very easy to complete; the questions are very straightforward. It takes less than 30 minutes to print out the forms, answer the questions, attach the vet's invoice and get the package in the mail. ASPCA sent regular email updates on the process, especially when there was a delay in getting additional information regarding Schultz's illness from the vet. ASPCA kept me updated on their attempts to contact the vet and notified me immediately when all the information had been received and the claim processed. They notified me the same day that the reimbursement check was on its way. I have had insurance on both dogs for many years and ASPCA always fulfills its obligations under our contract.
5

out of 5

POSTED: | BY: Winnie Liu

Great service and easy caim process

In the past 2 years I had 4-5 claims for my 3 dogs. The claim process was very easy. All I need to do is download the form and fill up the basic information about my dog then E-mail the application with receipts. Couple weeks later I received the reimbursed. I also received a phone call from ASPCA to make sure they are Okay. I am happy I choiced the ASPCA pet health insurance for my dogs .
5

out of 5

POSTED: | BY: Rebecca

Great Service

I've had pet insurance with ASPCA for my dog Marcel for about 2.5 years, and it's great! My monthly rate affordable, and the amount of coverage I have means that it more than pays for itself after one or two larger vet bills. The claims process is simple, and claims are reviewed and handled quickly. And the customer service so far has been fantastic - every time I've had a question, I've gotten a quick answer from a friendly person on the phone. And after my dog had an ear infection and some skin irritation, a rep from ASPCA called to make sure I didn't have any questions about my claim and to see how my dog was feeling - so nice!

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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