ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,789

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.
4

out of 5

POSTED: | BY: Sherri Creighton

So glad we have pet insurance on our Berner!

About three years ago, we decided we should get pet insurance for our Bernese Mountain dog and our cat. We chose ASPCA insurance based on various recommendations. The Berner has had several surgeries to remove benign tumors, but most recently our Berner had a tumor removed that turned out to be cancerous. We are so thankful that we have ASPCA insurance and they have covered a majority of the chemotherapy costs. Some of the vet costs have been considered over and above their allowable charges, but it has still proven to be one of the best decisions to buy the pet insurance. A company representative contacted us to find out how our dog was doing, which I thought was a very personalized service!
4

out of 5

POSTED: | BY: Charmaine

Grateful t to have coverage

Although I was given conflicting info early on, my claims for my 11 yr old Shih Tzu were processed in a timely manner. After being laid off from my job in December , I panicked when the Vet said that Cream needed surgery. Being able to have some if the costs reimbursed was a blessing.
5

out of 5

POSTED: | BY: Kelly

Very caring people that check on your pet's health

I have had no problems with the insurance company. Claims are easy to file and quick response. Then they called to check on my Brutus.
5

out of 5

POSTED: | BY: christina benjamin

thank goodness for pet insurance!

OUR LUCY LU HAD A TPLO PROCEDURE WHICH IS PRETTY MUCH A KNEE SURGERY. ASPCA HAS BEEN GREAT ABOUT ANSWERING ANY QUESTIONS WE HAVE HAD AND THE STAFF IS VERY CUSTOMER SERVICE ORIENTED. WE WERE MAILED A CHECK IN 2 WEEKS AND THEY HAVE BEEN GREAT ABOUT REIMBURSING MAJORITY OF THE BILL. ALSO I NEVER HAVE TO WAIT LONG ON THE PHONE TO GET A REPRESENTATIVE TO HELP ME OUT. IT ALSO HELPS THAT EVERYBODY SPEAKS CLEAR ENGLISH OVER THE PHONE WHEN I CALL. LUCY LU IS A PIT BULL AND THE ASPCA HAS TAKEN HER IN AS FAMILY WITH NO QUESTIONS ASKED AND HELPED HER OUT AND FOR THAT I AM FOREVER GRATEFUL!
5

out of 5

POSTED: | BY: Ashley Tapley

I Thank My Lucky Stars for ASPCA

We have the puppy insurance and we have had to use our pet insurance two separate times in one year. It really saved us from having some hefty unexpected vet bills. On top of saving our hide financially, the staff is so nice and professional. Plus filling out claims online is very easy. I recommend ASPCA to all the pet owners I know. Thanks ASPCA!
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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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