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: Marlene Hansen

Connor's Surgery/ASPCA's Follow up

Our Rott/Sherpard mix is 4 years old. He Injured his right rear leg (CCL injury). Connor received excellent care at VCA Sacramento Vet. Referral Center. Once he came home we received follow up calls from ASPCA asking how Connor was doing. We were reimbursed for almost all the expense for Connor's operation which was a pleasant surprise. We have been with ASPCA for almost 2 years and couldn't be happier. Our Thanks to Bob (ASPCA) who contacted us yesterday and was extremely helpful and interested in Connor's recovery. We are extremely pleased with the employees at ASPCA and the way Connor has been treated throughout his recovery.
5

out of 5

POSTED: | BY: Liberato Martinez

My Yorkie

My Yorkie is named Guapo and came down with Pancreatitis. He was covered and the pay out was quick. ASPCA did a great job of explaining the coverage and I totally new what was going in. Without pet insurance, I may have been hesitant on taking him to the vet. I had peace of mind.
4

out of 5

POSTED: | BY: Michelle Costa

Satisfied with Service, Little Interaction

I have had very little interaction with ASPCA. I have had the policy for a couple of years (maybe 5-6) and have found little need to claim anything thank god. They have responded to claims in a timely manner. I had several small claims that added up to a significant amount.
4

out of 5

POSTED: | BY: Belinda Neal

Glad I had insurance

Hi , my dog Bear was ( Pomeranian / Chihuahua mix ) attacked by another dog and all I can say is that first of all he is completely healed , but I was so glad I had pet health insurance as the surgery he had to have was substantial and the cost was overwhelming .The person of the wishes dog left without saying were he lives or his name ,so we could not get that money back from them . I myself was injured and required emergency room help as he attacked me to . The amount we received from ASPCA was more than I though we would receive and that helped us tremendously . You just never know the future of all that can happen in a pets life .This attack was right in front of our house and felt save .In all the 12 years we have had the pleasure of owning this "Angel" never had this happened to us !! Thank you , Belinda
5

out of 5

POSTED: | BY: Jenni

Excellent service

ASPCA was very prompt and courteous in their response to my claim. An agent followed up with me by phone to be sure I was satisfied.
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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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