ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,898

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: Marie Seide

Outstanding company

I've had ASPCA insurance company for about 3 years now for my dog bongo. We recently added our new puppy Cali to the plan. This is an excellent company.For every accident or illness that bongo had, the reimbursement was almost immediate. The claim process is easy to file. What I love most about this insurance is that they always add a personal touch with the coverage - each time that my dog had surgery or an illness, I've received calls from them a few days later; saying that they are calling to see how he is doing... That wowed me. You don't even get that from medical health insurance companies. Staffs are overly friendly. Just overall phenomenal!
5

out of 5

POSTED: | BY: Michele

Excellent Coverage

I had only had my insurance coverage for about 2 months when we discovered that my toy poodle had a large blood clot in his lung that would have to be removed surgically. The cost ran into the $1,000's but just over half of that was covered by his insurance. They paid quickly and without a hassle and I'm a very satisfied with the service.
5

out of 5

POSTED: | BY: Alexander

Great service

Our 14 years old cat Don was quite healthy all the years with us, but suddenly get small tumor on the paw. After surgery recovered well and we received immediate call from ASPCA with concern. All bills were covered and this helps as well. Great company and we're glad to have coverage. Thanks to all.
5

out of 5

POSTED: | BY: Sandy

Great Care of our Missy.

Missy became seriously ill and passed away within days. ASPCA handled our claim so fast. I received a condolence call from them a few weeks later, which I thought was to sweet. They have handled several claims on Missy over the 10 years we had her. Great service and helped pay a good portion of the bills. I'm so glad we had this insurance
5

out of 5

POSTED: | BY: Patricia Thomason

ASPCA cares about your beloved pet!

I always receive excellent customer service & even an ever gladly listening ear from all the people in customer service & claims departments.
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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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