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: Alisa Auzenne

Cannot Imagine Receiving Better Customer Care

I am continually and pleasantly surprised at how easy and quick it is to speak with anyone from customer care. They are always knowledgeable, polite, and seem to be genuinely interested in the health of my pet. When I need to call for something, I have the utmost confidence that I don't have to go through several channels or be put on hold before I speak with someone. I wish all other companies followed your playbook!
5

out of 5

POSTED: | BY: Joan B

Improvements make this the Best Coverage

Long Term customer. Very pleased with the new changes with preventive care.
5

out of 5

POSTED: | BY: Janet

We recommend this company

ASPCA has been insuring our dog for six years of accident insurance. We have a curious dog who gets into trouble from time to time. Most recently she had an argument with a porcupine. She lost that one. ASPCA came through and save us $1000. of vet bills. It is a good company and acted speedily to help pay the bills.
5

out of 5

POSTED: | BY: Pam Kaczer

Best Purchase Made This Year

Our 10 month old Cavalier King Charles Spaniel jumped off of our sofa to the floor. In doing so she sustained a neurological injury to her neck - a vertebrae was jutting into the spinal cord causing significant pain. We found this after she an MRI. This was followed by neurosurgery - a very expensive surgery that, fortunately, was completely successful. When I submitted our claim I held my breath wondering how much of the claim would be paid. I was pleasantly surprised to find that the expenses were covered and paid according to the plan we selected - at 80%. Clearly a factor of the plan we selected and also of the integrity of the insurance we purchased via the ASPCA. Obviously there was no attempt on the part of the insurance company to cut corners on this large claim. The insurance plan did everything it said it would do - and did so in a very timely manner in spite of the fact they had to obtain records directly from the vets that treated her. The reimbursement was in my account inside of 10 days. When I shared this fact with others most were surprised and had never heard good news about pet insurance. I am thrilled with this pet insurance plan and highly recommend it to others. I am thankful this coverage exists!
5

out of 5

POSTED: | BY: Felicia Silverman

Great insurance, excellent service

I have had my insurance on my 2 dogs for over 7 years and was hoping never to have to use it but August 14th, my male mini doxie was ill. ASPCA pet insurance has been wonderful--claims were processed timely and I love the new direct deposit--no waiting for mailed payments. I also liked the friendly follow-up by Bob on 10/5. I have nothing but good things to say about your company.

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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