ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,868

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: Val

No regrets

Frisco is now 12 years old, and fortunately hasn't had a lot of medical issues. I spent a fortune on vet bills for my previous pooch, and so I bought ASPCA pet insurance as soon as we adopted Frisco at a year old. I've probably spent more on premiums than I have claimed, BUT that's what insurance is: you buy peace of mind....because you never know what's around the corner. I recently claimed for ongoing skin/allergy issues, including surgery to remove two lesions that were benign, and was impressed how quickly the claim was settled. Overall, claims have been settled claims promptly, the ASPCA Pet Insurance web site makes it easy to submit and track claims, and I've found their customer service to be very responsive. Thank you ASPCA Pet Ins!
4

out of 5

POSTED: | BY: Christine

Overall, glad I have it

In the end, I'm really glad to have ASPCA. Submitting my first claim was a little rough because the amount submitted by the vet did not match the amount of the invoices I paid. Calling in helped resolve about 50% of the problem; like any big company patience is important when you are on the phone. The representative told me all the invoice numbers and the amounts so I could track down what was missing. Since I've submitted the claims myself, it has been great. Bob called this morning to check on my pet and offer some encouragement. I was surprised but happy - I've never had my health insurance call me after I visited the doctor! I even had some questions about continuing care and claims now that we have a diagnosis. We have three cats insured for under $100 per month. With one incident, we are seeing a return on our investment.
5

out of 5

POSTED: | BY: Donald Graziano

Happier now with my aspca insurance.

When we first started I was a little upset that they hardly paid us anything for a claim but then I realized about the deductible clause. Since I reached that amount things have been better and we are getting payments back on claims. ASPCA insurance has always been truthful with us and we are glad to have this insurance especially now that our dog is getting older and has a certain problem right now that is a long lasting one I think
5

out of 5

POSTED: | BY: Nancy

Great customer service

Reasonable rates and quick processing of claims.
5

out of 5

POSTED: | BY: Marta LaCasse

petinsurancereview.com

I have had ASPCA health Insurance for my cockapoo dog for the past year. They have reimbursed me for claims that I have sent in for various aliments . I have found them to be a great pet insurance provider, and would highly recommend them to others.

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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