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: Lynda Gordon

Easiest pet insurance

I have previously used another pet insurance recommended by vet and found it lacking in customer service, ease of filing a claim, and paying claims. I am so grateful to my friend who recommended ASPCA pet insurance. It is easy to use, has great customer service, and pays claims promptly without finding loopholes to avoid claims. I will continue to purchase ASPCA pet insurance for my future pets.
5

out of 5

POSTED: | BY: Heather Dion

Well worth the money.

I adopted sage and immediately bought the insurance. I purchased the injury and routine visits. I figured her being a puppy, the routine visits would definitely need to be done and she was bound to get into something. I was trying to crate train her and in doing so she ripped many of her nails. She had to receive treatment on her nails multiple times, they had to sedate her and fix the nails. I met my deductible very quickly and was grateful to receive money back that I otherwise would have been out without having ASPCA as my insurance. I had no problem submitting claims and receiving my money back. ASPCA even went as far as calling my vet to verify information. I definitely will upgrade my policy when my year is up to their sick policy. They found after I boarded her that she had a UTI which is not covered because it is sick and not a injury or a routine I really regretted not having the bigger policy.
5

out of 5

POSTED: | BY: ARNOLD MCDONALD

THE BEST THING TO DO FOR YOUR PET

WE HAVE TWO BOXERS WHO ARE KNOWN FOR HAVING CERTAIN ILLNESSES AND AN AVERAGE 8 YEAR LIFESPAN. OUR BOXERS HAVE EXCEEDED OR ARE NEAR THE 8 YEAR AVERAGE LIFESPAN. BOTH OF THEM ARE IN GREAT CONDITION THANKS TO THE CARE MADE AFFORDABLE BY ASPCA PET HEALTH INSURANCE. WE ARE TREATED WITH KINDNESS AND CONCERN EVERY TIME WE SUBMIT A CLAIM, WHICH ARE NUMEROUS, FOR OUR BEAUTIFUL AND FUN BOXERS CARE.
5

out of 5

POSTED: | BY: Rochelle

Outstanding Company!

I am a repeat customer. My cat, Tigger, was insured by ASPCA. He developed a rare form of carcinoma and passed away. The bills were steep. ASPCA took care of the claims in a timely manner - no fuss or hassle. I received a phone call from a rep expressing their condolences. Their compassion took me by surprise, but was most welcome. I adopted Magic, a 9 yr old longhair cat a couple of months later. First thing I did was to inquire with ASPCA as to whether he was too old to insure and he was not. FANTASTIC!Within a couple of months Magic began to experience severe wheezing and coughing fits. The vets did tests and found he had an irritation in his bronchial tubes. Of course there were several tests to arrive at a definitive answer and they were quite pricey. I submitted the claims and within a couple of weeks the claims were paid. All throughout the process the ASPCA insurance company communicated with me via email letting me know the status of the claims. WOW! A company I didn't have to pester to get the information I needed - this is heaven! I would recommend this company to anyone who treats their pets like family. This company goes above and beyond to help their clients.
5

out of 5

POSTED: | BY: Jim B

Great customer service

Our dog has had several claims since we signed up last year - payment is prompt and so easy to file online. I would highly recommend this insurance!

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.

Get a quote today

Leave a review