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: Valerie

Best decision i've ever made

I have been using/paying for ASPCA health insurance for years and only recently did I have to use it. My little baby fractured his tooth and the vet told me if we didn't fix it he would get a nasty infection. After looking at the $500-$600 estimate just to pull the tooth, I confidently said "ok lets do it" because I knew it was covered by my ASPCA accident coverage. Sure enough we had the tooth pulled, I submitted my claim online (which took no more than 5 minutes), and two weeks later I had HUNDREDS put back into my account. Simplest process EVER and Im so glad I have kept the health insurance. Every once in a while when I'm trying to save extra money I ask myself if it's worth it and sure enough...it was. ASPCA is the easiest to use and understand compared to everyone else. I swear im not being paid to say this. I used to work at a pet store and we sold pet health insurance...so trust me...the prices and customer service here are the best.
5

out of 5

POSTED: | BY: Tom Blundell

Totally Satisfied

Been with ASPCA for over 3 years for our Dog and our cat. We have been very satisfied with reimbursement and everyone we have worked with has been very helpful. Nothing but positives so far!
5

out of 5

POSTED: | BY: Lauren Chesterton

Very Reliable and Easy claim forms

I have been a customer of ASPCA Pet Insurance for about 5 years with my rescue Boxer (who was 5 when I adopted her as a stray). Despite having no medical history, ASPCA covered her fully as my newest family member. Unfortunately, as with many Boxers, my baby has had many lumps and bumps and eye ulcers that have needed medical care. Working with ASPCA on my claims has been very easy and they have paid all covered expenses quickly and without hassles.
5

out of 5

POSTED: | BY: Linda Bilodeau

Excellent

I have had ASPCA pet insurance since my dog[lab/springer spaniel]was a puppy. HE is now 11 years old. We have had to use the insurance 3 or 4 times and been very satisfied We plan to increase our premium next year to cover other things as he is is getting older.
5

out of 5

POSTED: | BY: Lauren Munn

Life saving insurance!

I have had ASPCA insurance since my dog, Maggie, was a puppy. I signed her up because she kept getting digestive issues while drinking water every where we walked. I chose ASPCA because it was a company that had been around for a long time and offered insurance even when the dog was a senior. I donate to the local ASPCA shelter and I truly believe this company cares about pets! My dog got seriously hurt in October by falling in a hole. She needed intense surgery. She has been operated on and is healing very well. Her bill was expensive and ASPCA Pet insurance made it possible for this six year old dog to live a quality life. My vet has ASPCA pamphlets on the reception desk. I pick them up and hand them out because this insurance company has been so good to us! I would recommend them to anyone!

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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