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.
4

out of 5

POSTED: | BY: A Desatnik

Became pricy over the years, but reliable

Premium has become a bit pricy over the years, however I never had a problem filing a claim or being reimbursed according to my coverage level.
5

out of 5

POSTED: | BY: Suzanne

Always Been Happy

I have used ASPCA pet insurance for my Swissie since he was born and have always been pleased with their service. I have claimed quite a few medical issues including emergency surgery for bloat and stomach torsion and many issues relating to that as well as teeth cleaning, vaccinations, wellness check etc and have always been happy with the customer service and amount of money I have been reimbursed according to the plan. I would recommend ASPCA insurance to any pet owner. The customer service agents are always friendly and have called many times to see how Hance and I are doing after such a scary incident last year.
5

out of 5

POSTED: | BY: Susan

Happy I Had This Insurance for My Dog, Gigi

My 12 1/2 year old rescue Malti Poo was diagnosed with a mammary gland tumor that turned out to be malignant. The surgery was done, a consultation was made with an oncologist and I was very happy that 80% of the cost was paid by my ASPCA insurance. I was also pleased with the speed the claims were processed and the kindest of the service reps who followed up with me to see how Gigi was doing. Highly recommend getting the insurance.
5

out of 5

POSTED: | BY: Karen

Grateful!

I am grateful to ASPCA insurance because if it weren't for the financial assistance they provided, my beautiful 4 yr old Weim would probably not be here today. He started out with Cushing's disease last summer. The drugs being taken for the treatment of Cushing's pushed him into Addison's disease. About the same time, we discovered that he had an irregularity in his testicles. He needed immediate surgery, and when the biopsy came back, we were told he had malignant testicular cancer. So many things wrong in the same amount of time. If not for the pay outs from the insurance, we would never have been able to afford his treatment. He's now 3 1/2 mos post-op and on a regular treatment for Addison's. He's doing outstanding. I am thankful that I still get to take him on runs and car rides. He's my buddy and he's here, in part, thanks to ASPCA.
5

out of 5

POSTED: | BY: Amanda Torres

Quick Claims, Great Insurance!

I first picked ASPCA for pet insurance because I like that it helps give back to the ASPCA to help other animals in need. They have very good insurance plans, discount for multiple pets, and different tiers to choose from. I think the best thing about them though, is that you can submit claims online on their website, you see real time status of the claim, and my most recent claims were all settled in 2 weeks time! Money direct deposited into my bank account quickly. That is wonderful to know when you are shelling out money for surgery for your pet.

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.

Get a quote today

Leave a review