ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,890

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: Toby's Mom

Peace of Mind

I am the proud momma of an all black DSH two year old cat. My husband, five year old twins(at the time) and myself adopted Toby from a local shelter. We showered him with toys, play time and lots of love from Day 1. We quickly realized though, that as much as we spent all our free time on being with him and learning to care for him, Toby liked to eat things he shouldn't. This past September, We woke up one morning and Toby had gotten sick through the night. Long to short, after several doctor visits and test, we learned that Toby had eaten a toy and was in need of surgery. Unfortunately, we had not begun our policy yet. After that experience, we knew that we had a little fireball on our hands and we needed peace of mind. Fortunately, Toby did very well and came through with flying colors. He recouped from his surgery and is doing very well. As diligent as we are, we have had two other scares where we were afraid he ate something. Fortunately, he hadn't but knowing that we had the insurance company to help us and support us was a relief. They took care of his medical bills and even called to make sure we were happy with our coverage and if they could have done more for us. Thank you ASPCA for allowing us to take such good care of our fur-baby!
5

out of 5

POSTED: | BY: The Bobrows

ASPCA to the Rescue

Our 5 year old Labrador, Molly, was throwing up and not getting better. We were at the vet's office 4 times in the span of a month. Finally she got better! Then we submitted our claims and not only were we impressed about the quick turnaround from ASPCA, they called us to ask about Molly! Fantastic service and I highly recommend them to anyone with a pet! Thanks ASPCA!
5

out of 5

POSTED: | BY: Carey B

Great Great Great !

With my poor guy needing surgery once for eating foreign items I decided to bite the bullet and buy Pet Insurance. I liked the options of this insurance over the various other pet insurances. I called and write away my Deuce was covered. A week later Deuce was in need of yet another surgery after being so careful! Dogs will be dogs and that's what an agent told me when I called. My claim process went super quick and I had no issues! I even had a courtesy call seeing how Deuce was doing and to make sure I was happy with the process. I even get calls from time to time just to do a quick check in when they don't have to. Would highly recommend!! They let me choose my package with no pressure to get the better one, they were just happy to have our dog covered instantly!
5

out of 5

POSTED: | BY: Danielle

ASPCA Insurance was the best choice in pet care

We all care for our pets, and want the best health care provided. As an owner of two chihuahuas, I was not interested in getting insurance for my doges. My mom told me about ASPCA. She initiated the application, and I thank her each day for I have not been disappointed. With the rising cost of pet health care, pet insurance is important. ASPCA Pet Insurance managment is helpful and prompt with claims. I love even the fact that they'll call to follow up on how your pet is doing after a surgery or emergency visit. I wouldn't change to another company.
5

out of 5

POSTED: | BY: Diane Hall

Pet insurance worthwhile

I have had my large terrier covered by ASPCA pet insurance for 10 years. There have been times when I haven't used it but the times that I have needed it have been major. They have always been responsive and helpful. The claims are paid in a timely manner and personal interactions by phone have been caring and supportive. The peace of mind of having pet insurance to help with those unpredictable large events has been huge.

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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