ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,789

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: Adrienne Trzcinski

Great reliable pet insurance for a decent price

I have had ASPCA pet insurance for my cats for years now following an emergency. It is the best money I could spend each month knowing that even if an unexpected illness come upon one of my girls I will have some help paying the overwhelming vet bills. The representatives, should you ever need to call, are extrememly pleasant and helpful and even will follow up with you to see how everyone is feeling. I have a cat with severe allergies who I could never afford to help without ASPCA pet insurance. I have often reccommended them to people while waiting in vet offices. Also, the new online claim center makes filing and tracking your claims even easier. I will never let my girls go without coverage from ASPCA pet insurance again.
5

out of 5

POSTED: | BY: Jennie

Thank you ASPCA Pet Insurance!

ASPCA was so very kind when I explained Genaveve's illness. After several studies, the hospital explained that she likely has steroid responsive meningitis. We were heartbroken but remain optimistic. Genaveve is still on prednisone and is doing better. She is monitored closely. ASPCA has been through this with us all the way and continues to be. I'm so grateful to them in the way they handled our claims and gave us emotional support as well. Thank you ASPCA! Jennie
5

out of 5

POSTED: | BY: Jim Robinson

Great Customer Service

I was warned when I decided to buy pet insurance that the companies that offer the insurance are a scam and they never pay off claims or delay payment. My experience with ASPCA Pet Insurance has been the complete opposite. They have worked with me to get claims submitted and paid correctly, answer every question and do what they say. There customer service is the best!
5

out of 5

POSTED: | BY: Susan Peacock

Kind and compassionate service.

I can't say enough about the service and kindness we have received through ASPCA Pet Health Insurance. The reimbursement is almost secondary to the very kind and concerned telephone calls from ASPCA when my dog is ill. They really seem to care about the animals welfare. In addition, the coverage has been more than I could have anticipated or asked for. We have had several illnesses over the past few years and I always feel sheepish turning our claims in. The adjusters have been timely in reimbursing us and gracious in my communication with them.
5

out of 5

POSTED: | BY: Nat

Easy to use

I put off buying pet insurance because I found just as confusing as my "human insurance"--then I found ASPCA. It was straight forward and easy to file claims. Great choice for pet insurance!

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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