ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,965

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.
4

out of 5

POSTED: | BY: Tiffani Smith

Excellent Attentive Customer Care

I have had my dogs insured for quite a few years through ASPCA.Their customer service has been consistently excellent,friendly and helpful.I hit a minor glitch in the claims process at the end of 2015,when I think the administrative offices moved.All I lost was a little time-but we regained momentum quickly.I also would like to add that 1 of my insured pets recently turned 10~and while I'm grateful ASPCA still insures her--there is a really long list of exclusions that go with it.This has been a little disheartening,but it hasn't deterred me from renewing my policies.I just offer this up as information for the person who may be shopping around.Overall,I have been very satisfied with this insurance.
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5

out of 5

POSTED: | BY: Annemarie D'Andrea

Excellent customer service!!!

Great customer service at all times! ASPCA Pet Insurance also processes claims quickly, usually within about 2 weeks.
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5

out of 5

POSTED: | BY: Benita Nichols

Great customer service and decent claim processing times

They are always following up on how our pets are doing and seem genuinely concerned and not that they are just being paid to make the call. The turn around time from submitting a claim to reimbursement is not too bad
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4

out of 5

POSTED: | BY: Janetta Blankenship

Great insurance

I have been fortunate and have not had to use the insurance much on my older Lab mix dog, but have recently rescued a dog that has had several kidney infections. Not only has ASPCA paid very well, I just received a follow up call checking on my pet. Great Customer Service
5

out of 5

POSTED: | BY: Kathy Defonzo

Great service

I have been very pleased with the services I have received regarding my dog's medical issues through the years.
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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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