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: Gordon Goldberg

Great service!

This was the first year in the many that he's been covered by ASPCA Pet Health Insurance that my cat had any medical needs aside from his regular wellness exam (which his insurance has regularly covered most of) -- and boy was I glad that I've had him insured! Several vet appointments, multiple blood tests, meds, x-rays... the out-of-pocket costs were pretty staggering. Four separate claims -- but then I got my insurance reimbursements, and most of it was covered, and I got reimbursed 80% of what I had paid. The claims were processed quickly, the reimbursements were direct-deposited into my account, and I received follow-up calls from the ASPCA customer service representatives to find out how my cat was doing and if they could be of any further assistance. Fortunately he has fully recovered, is eating well once again, and is one happy kitty!
5

out of 5

POSTED: | BY: Caitlin Rohan

Amazing Service & They TRULY Care About Your Pe

I was scared when my cat did something out of the ordinary and swallowed plastic and we had to take him to the vet. But it wasn't just the anesthesia, X-rays, and other procedures that scared me--it was the price tag as well. ASPCA covered a lot of my claim AND they were truly concerned about my cat's health, making sure they asked about his health every time they called to go over the claim. It was really sweet and they made a really scary experience so much better/easier to deal with. THANK YOU!
1

out of 5

POSTED: | BY: Kevin

WARNING!!!

Before you plan on dumping your money on level 3 plan, you have to pay extra just for coverage of any reimbursement. level 1 and 2 do not offer of what it is called "routine wellness". For Level 3 and 4, "routine wellness" for 12 dollars more, offers reimbursement for shots, examinations and other coverage's. I paid 46/month for level 3 already and they want 12/month more just for coverage? That is already too much to ask for. You can find another Insurance policy for the same price and less strict policy. Do not waste your money on ASPCA insurance.
5

out of 5

POSTED: | BY: Mary Hood

Thanks

I am so very satisfied with my ASPCA pet insurance. My Rotti had a lump and had to go in for surgery. The lump ended up being cancer, but the vet said we just need to monitor it. Through the entire process the representatives at the ASPCA took the stress and worry off my mind and processed my claim quickly. I was so happy I didn't have to worry about my claim processed and I could focus soley on my baby. They called as follow up and also sent nice cards which I thought was such a special touch. I would recommend the ASPCA insurance to all my friends.
4

out of 5

POSTED: | BY: Joanna Stancil

A must have assest to protect fur babies

I am very glad I have ASPCA Pet Insurance. When Dakota became ill the insurance helped me focus on what was truly important, her medical care and our time together, not the cost of the care. While insurance doesn't pay all the bills it makes the financial commitment less of a burden. Dakota has passed away and now I and my elder cat Shawnee are facing the challenges older cats experience. Again I can focus on providing her quality care and our time together. I depend on ASPCA per 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.

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