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: Jack Smith

Great service from a solid company & people!

Toot, my 7 year old GSD has been covered by ASPCA since he was a pup. He is very active, and over the years we've submitted claims for a number of minor injuries. The claims were processed promptly, and more often than not, we receive followup calls from ASPCA to check on his condition. I appreciate the caring attitude. Having the policy gives me peace of mind, knowing that ASPCA is there if we need them. I recommend ASPCA to any pet owner.
1

out of 5

POSTED: | BY: Bruce Black

BAD FAITH INSURANCE COMPANY!!!!

Company works very hard NOT to process or pay claims! Says my vet has NOT submitted treatment info. Over six weeks processing one claim and still no results.
5

out of 5

POSTED: | BY: Mike

Was able to get the treatment my cat needed!

My 16yr old cat was diagnosed with hyperthyroidism I chose to have the radio iodine treatment done to cure her condition.The treatment is about $1000.00 without having pet insurance I don't think I would been able to cover the cost of this treatment, was great to have insurance to help pay the bill. Thanks ASPCA pet insurance!!!!!!
5

out of 5

POSTED: | BY: Dawn Howell

Very Satisfied

We adopted Ray, a Shih Tzu mix, from a shelter last Jan. The last dog we had lived to be 17 years old and probably cost us $10,000 over the years we had her. This time we decided on having insurance and very glad we did. Already it has been helpful.
5

out of 5

POSTED: | BY: Dawn Ojeda

ASPCA Pet Ins, better than my OWN Heath Ins!

I have had ASPCA Pet Ins for several years now for 2 of my dogs. Really the best investment you can have for your pet. Vet bills can become costly, especially if your pet gets ill or has an accident. ASPCA Pet Ins offers great coverage options. I had started out with a basic plan with my first dog. He ended up having heath issues and I was so thankful that I had pet ins. I ended up purchasing ASPCA's top level coverage for my second dog when I realized just how much it made sense for me to have the best coverage for my dog. ASPCA Pet ins is better than my OWN Heath ins! From their easy to use electronic claim forms to the convenience of direct deposit into my bank account on claim reimbursements! Would highly recommend ASPCA Pet Ins 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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