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.
5

out of 5

POSTED: | BY: Suzanne Perlman

Thank you for your interest and kindness

I have been very happy with this insurance for many years. In April of 2014, my 16 year old Westie, named Googus, became suddenly and terribly ill. He went into intensive care and lasted less than a day. You covered most of the costs, and even covered his euthanasia. Then I got a very caring phone message of sympathy from Shelley. And a card, and a refund of the rest of the month's premium.Last week, I got a call from you, wondering how my new Westie, MacDuff, was doing after a minor illness. How nice was that? I recommend you to all my pet's parents. Thank you
5

out of 5

POSTED: | BY: Dina

Thank you ASPCA!

I purchased pet insurance 9 years ago for both of my dogs. We had been lucky and they both have been healthy. One of my dogs Beau got very sick in April and was in the hospital for a week. I called ASPCA and they were so caring and helpful during this very stressful time. They took care of my claim and they communicated with me every step of the way. Very glad to have picked this company for my pet insurance. Hopefully my dogs will remain healthy, but it is nice to know that I have ASPCA on my side. Thanks again.
5

out of 5

POSTED: | BY: Barb

The BEST pet insurance

I had pet insurance through another company previously anti was a waste of time and money. ASPCA is awesome. Great customer service! Great at paying claims - and promptly. I have recommended them to friends and my vet to make referrals!
5

out of 5

POSTED: | BY: Joanne

Every pet parent should have this insurance!!

Like anything else, I was skeptical about Petey's health policy. It is like any other insurance: you buy it and hope you never need it. Well three years in, we finally needed it, and I could not be more impressed. The reimbursements are more than fair, and they come very quickly. I have been telling every pet parent I know to stop procrastinating and get the ASPCA Pet Insurance!!!!!! Thanks ASPCA!!!
5

out of 5

POSTED: | BY: Marilyn Gower

Top Customer Service!

I have had no problems whatsoever filing claims or getting them processed. Their representatives are always professional, knowledgeable, and friendly. I would recommend this pet insurance company to anyone.
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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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