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.
4

out of 5

POSTED: | BY: Barbie

Peace of Mind

My cat needed surgery for a bladder stone that looked like a star that was tearing him up inside. Knowing that I could count on an insurance to help with costs made me feel as if my baby would be ok. He was then diagnosed with diabetes and the continuing care he needs is also covered, this brings me peace of mind that i will be able to afford his care and he will be happy and healthy. I only wish they would cover prescription food and supplements that are required for his care. In this case I don't have a choice as to which food to give him and they can get pricey. Otherwise, the customer care representatives have always been nice and respectful and caring.
5

out of 5

POSTED: | BY: Rachel Henderson

Many vet trips have been covered

I have 2 staffies that unfortunately have had many problems in the short year and a half we've had them that resulted in vet visits. If it's not one it's the other. Minor issues like ear infections and such to Kali's severe allergy treatments and Bailey's surgery. First it started off with a blockage while pooping. She ended up passing it herself but in the mean time, she had to stay at the vet's for a couple days getting X-Rays and ultrasounds. Even though she passed it, she still had plenty in her stomach and ended up needed surgery to remove it. All that being said, I've gotten reimbursements for claims very quickly and it's very easy to submit them. Everyone is helpful and they have even followed up after claims to see how they're doing. It's such a relief to know that my girls can get the care they need without having to stress about the bills later. With great customer service on top.
5

out of 5

POSTED: | BY: Sylvia Pacheco

Efficient

I recommend this insurance to all my friends and family. We recently had to use the insurance and I found that the claims were easy to file. They were processed quickly and reimbursement was sent promptly. I am very pleased with the efficiency of the personnel when ever I call to ask any questions.
5

out of 5

POSTED: | BY: Eric Terzuolo

Excellent service

We have been extremely pleased, on all counts.
5

out of 5

POSTED: | BY: Wendy

Great Service!!!!!

I love the fact that customer service reps call to follow up on claims and any discrepancies that their might be on the account. Also I have been called as a follow up to appointments I have taken the dog to. The clinic also treats my dog so great and caring.

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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