ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,866

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: Alex

The BEST customer service

Although we've been happy with the actual insurance coverage (for the past 2 years), we've found that they provide the absolute best customer service for any other company we're doing any sort of business with. I will say they're probably tied with REI, but both are way above just about everyone else. Our calls have always been answered quickly, and the staff members are the most pleasant, attentive and caring.
5

out of 5

POSTED: | BY: Terri

Peace of Mind for Denali

Denali is a young male dog and he had severe dental problems, pain, extreme bad breath, loss of appetite, redness and swelling in his mouth for no apparent reason. We had his teeth cleaned (they didn't look so bad) and a tooth removed and thought he was done. His problems recurred soon after. Ultimately he was diagnosed with what is called C.U.P.S. (Chronic Ulcerative Paradental Stomatitis) and it is sort of an autoimmune disease and is not breed specific. Getting the diagnosis was expensive but worth it, he is on continuous medications and is doing well.
5

out of 5

POSTED: | BY: Dan

Terrific service and always pleasant to talk to

We have two dogs now that have been on the plans for over 3 years now. I would say almost once a year we have some reason that we need to go to the vet other than a normal care visit. My dogs are a bit rambunctious and like to get into things. Every time we go it is great knowing that whatever it is, we just take care of it, without worrying about the cost( within reason) just like having insurance for us, I feel like it makes the decision about going to the vet easier and makes me and my dogs happier!
5

out of 5

POSTED: | BY: Loren Miller

Best people to work with

You guys are always willing to help & explain. I have used your company for many years and you have always been helpful and fast with your claims.
5

out of 5

POSTED: | BY: Dannie Butler

Life Saver

To be honest, I have always hated insurance companies. My experience with others had me feeling that they took your money, then stalled and made excuses when you needed them. Not so with ASPCA Pet Insurance! They were there for me when I needed them, not just financially, but supportive, personal and caring. The response to my call informing them of a project $3000 breast cancer surgery for my 11 year old Siamese was, That's what we're here for. You just get Goth what she needs." The repayment was prompt, without red tape, and directly deposited to my bank account. Then they phoned to find out how she was doing! My daughter's comment was, "Wow! That's like having your human Heath Insurance adjuster someone whose kid has leukemia!" She's right. We ended up far over our yearly limit, but that's okay. The $3000 they covered meant I still had funds to cover the complications that arose.A final note: if you get a female kitten, get her spayed before the age of six months! I could have spared Goth all this pain. I didn't know and I wanted to breed her. I can't undo my mistake, but I can spread the word.

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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