ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,965

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: Kurt

ASPCA very supportive

We compared several plans for insurance for Rae and decided on ASPCA. They have been very good for us, saving money overall when considering the premiums and co-payments. They accept claims directly from our vet electronically and pay promptly every time. I can't think of a claim they have denied, and they often call to check on how Rae is getting along - a nice personal touch. I'll rate them 9 only because we haven't used any other insurance to compare, but we are satisfied.
5

out of 5

POSTED: | BY: Lori

Very Grateful for ASPCA Insurance

I bought ASPCA insurance for my lab when he started eating things he shouldn't (anything!) and ended up at the vet with stomach issues. This insurance was wonderful to have after a trip to the emergency vet on a Sunday morning. Last year, right before he turned two, he started having spells where he was seeing flies and snapping at them; the doctor's think it's a form of seizure and he's on two different medications. Because I have the full coverage on Rambo the monthly medication is covered as well. The claims are easy to file and the reimbursement check is sent within a few weeks. Anytime I've ever talked to anyone from ASPCA insurance they have been very friendly and helpful. One of the best purchases I've made.
5

out of 5

POSTED: | BY: Liana R Lovas

Lives up to its name.

I have never been disappointed with their service. Many prices and options available, there's something for every budget and an ability to change or upgrade. Refunds are given quickly and direct deposit is now available. Reps are friendly, professional and knowledgeable. Making claims is a very easy process and can be done via mail or scan & send. An A+ all around.
5

out of 5

POSTED: | BY: Barbara

Cattail and Simon say thank you

I got pet insurance for Simon and Cattail 10 years ago. After having a cat with vaccine associated sarcoma, I wanted to make sure my cats had insurance in case of a serious illness. They're basically very healthy cats. Cattail had an injury to his paw which required multiple visits. The customer service people were very helpful and even called back to see how Cattail was doing
5

out of 5

POSTED: | BY: Margaret

Wonderful

I have had a wonderful experience with ASPCA Pet Insurance. Bob was great. He has been very caring and helpful.

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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