ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,718

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: Jamal Najib

Thank you!

When I signed up for ASPCA pet insurance for my puppy I did not think I would need it for anything other than the vaccines and simple vet visits in his first year, but was I wrong. Rocky developed a bacterial infection in his lungs and ASPCA paid 90% of the bill minus the annual $100 deductible very quickly. I was amazed at the speed and efficiency of their handling the claim. They even called me to check how Rocky was doing. I've had 4 dogs before and they all required hospitalization and I wish I had this insurance on them at those times! Thank you ASPCA for making this insurance available for our furry friends!
4

out of 5

POSTED: | BY: Nancy

Max's Coverage

I have had this policy for years, had multiple cats at one time now down to one. Have always been responsive and check in on your pets. I like the new direct deposit option if they could just process the claims faster everything would be great.
5

out of 5

POSTED: | BY: Alysha Lesieur

Excellent

I have no regrets using ASPCA pet insurance they follow through with claims in a professional manor and genuinely care about the animals.
5

out of 5

POSTED: | BY: Lon Schultz

Medical care for our cats

We have 2 Main Coon cats that are 6.5 years old. Turns out that these cats are susceptible to all sorts of allergies which can be costly at the veterinarian store. Our ASPCA insurance has really been a help in covering a portion of those costs. Their claims service has been exemplary!
5

out of 5

POSTED: | BY: Jacqueline Webber

Smooth and seamless

My first experience with a claim. I didn't know what to expect. I phoned the claims dept. they walked me thru the filing process. They contacted our Vet. for records and within a few weeks I received a check. I'm happy with this!
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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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