ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,860

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: Bob

Very pleased with coverage and service

Pet insurance on my second pet. First died very early and ASPCA did a great job when she was very ill. Now on our 2nd policy and still am most pleased with how they respond to claims. They are processed fairly and quickly. I've recommended them to several other pet owners, they joined and are also very happy with the.
5

out of 5

POSTED: | BY: JAMES HOLLOWAY

INSURANCE COVERAGE

LUCY'S INSURANCE IS REALLY GOOD. EXCELLANT RESPONSE TIME TO CLAIMS.
5

out of 5

POSTED: | BY: Carol A.

Eye injury

Murphy had an eye injury that could have resulted in his eye being removed. However, we were put in contact with the only animal eye specialist in Kansas and he is doing just fine. ASPCA paid all covered expenses. Murphy and his mother, Allie are rescue Shih Tzu we adopted 1 1/2 years ago from LAPP. We renewed our ASPCA policies again, but hope we don't have to collect in 2016! Thank you very much.
5

out of 5

POSTED: | BY: Donna

Recommend to everyone

I recommend pet insurance to all my friends and family but I will only specify ASPCA Pet Insurance. They have been wonderful from the first call of just getting information about insurance to the follow up after Dexter has been to the vet. The human touch is lacking in so many businesses these days it is nice to see it here. No matter what I will always have ASPCA Pet insurance for my pets.
5

out of 5

POSTED: | BY: Lisa

Efficient!

My dog was diagnosed with Cushings disease when he was about 7. I had purchased the insurance in case there was an emergency but I never expected him to be diagnosed with a long term illness. I'm happy that I had the insurance when he got sick and I'm happy I have it now for his follow ups. I have had only positive experience with claim handling and customer service. My dog receives frequent care and feels good and that is priceless.

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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