ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,907

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: 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.
5

out of 5

POSTED: | BY: Paul

Quick payment

My pup had to have surgery. It was very expensive but shortly after the vet put in a claim to ASPCA, I received a check for a very acceptable portion of the bill.
5

out of 5

POSTED: | BY: Michael

Happy Customer

I have had the Level 2, Illness and Accident coverage on three of my dogs. It has definitely come in handy a few times. I like the online claim form. Claims are processed and paid quickly.
5

out of 5

POSTED: | BY: Dolores Tucker

Excellent service in all areas of my claim.

Meggie was diagnosed with diabetes this past November (2015).She had many vet bills which I sent on to ASPCA. I was very pleased with the service in all areas. Reading some of the reviews has sort of shocked me in how unhappy some of these folks are...but I will continue saying everything good about ASPCA because they were good to me and filed my claims quickly. I know I will have more claims to send in the future. Dolores Tucker
5

out of 5

POSTED: | BY: Debbie Thomas

In Good Hands

I have used other pet insurances but ASPCA is the best. They even follow-up on your claims and inquire about the health of your pet.
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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 Insurance detail
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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