ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,868

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: Katelyn

Simplicity and satisfaction.

I love how easy and fast it is to file a claim online. I used to have my vet office do it until I realized how faster it is to do it myself. The vet office would take at least a week to do it and then I had to wait for the mail to get to ASPCA, and it would be 2 weeks before I could view the claim online. I now file it online myself and within seconds it is available to track! I love how simple it is to read the explanation of benefits. The website is easy to navigate and pretty straight forward. There was only one time I had to call customer service over something that was my fault regarding my plan. I forgot to add the wellness plan to my new puppy's plan. They were able to fix that for me even though you are only allowed to change your plan once a year. I had been a loyal customer to them for over a year before I insured my second dog through them. ASPCA vales their customers. I only filed one claim in my first year insured by them. I was satisfied with my refund and the simplicity of it all. Days after receiving my new puppy I was at the vet for her first visit. And second. A month later she was hospitalized twice. I filed many claims within the first few months of her life. I am highly satisfied with the service I have received. The only thing I'd suggest improving is the amount of money I am refunded. How great would it be to receive 100% back? Also, it would be nice to be able to not have to pay up front and wait for the money refund. I understand that is not how animal insurance works.
4

out of 5

POSTED: | BY: Ingeborg McG

all around good experience

Our 8 year old lab Maddie was diagnosed with an autoimmune system problem, and she had to undergo tons of tests. To know that we had pet insurance from day one, was a very comforting thought. ASPCA certainly confirmed our trust, the reimbursement was prompt and without problems. I certainly would and have recommended ASPCA to all my friends with dogs. .
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.

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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