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: Anita A.

Excellent Customer Service

Filing a claim is so easy and claim processing is prompt and efficient. I've recommended ASPCA to co-workers as well. It was so nice to receive follow up calls regarding my 2 feline children Abigail and Mia. Customer service conveys true concern and compassion.
5

out of 5

POSTED: | BY: Jim Knight

There When We Needed You

We have carried ASPCA Pet Insurance on our dogs for the better part of a decade. While the assistance with vaccinations, teeth cleaning and exams are welcome and appreciated, our primary focus was peace of mind for those events we can't anticipate and hate to think about. We just had one of those - an anal gland tumor that proved cancerous. We are just about to start treatments to hopefully cure the cancer. ASPCA expeditiously handled the claim for the operation that removed the tumor, and I have no doubt they will continue to handle our future treatment claims in the same manner. We have rarely had to use their services, but when we have had to, they have been there when we needed them.
4

out of 5

POSTED: | BY: Ken

Prompt Professional service

Claims handled in an expeditious manner.
5

out of 5

POSTED: | BY: debby white

wish my own health insurance was this good, quick

After being with the same vet clinic for 6+ years I got a bad diagnosis took my dog for a 2nd opinion only to learn that she had a compensated cardiac disease with a murmur. The insurance claim was approved and I was reimbursed for the services all within 2 weeks or less start to finish. They even called me a week later to ask about her and wished her well. So impressed with their customer service..
5

out of 5

POSTED: | BY: Marilyn Hamilton

Good Service

I am a pretty impatient person. I have no problrms with the prompt responses from this company. I have made teo claims so far and have not had to wait for a response that they reeived the claim. I have also been impressed with the prompt payment of the claim. Keep up the good work.

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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