ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,792

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: Linda Limkemann

A must have for pet owners

Our dog has had two bouts with two different types of cancer. This insurance paid both times a very generous amount..even for specialty care. Filling out claim forms is extremely easy..along with a very quick response...I shudder to think what would've happened to our dog without this insurance
4

out of 5

POSTED: | BY: Theresa O'Donnell

Security

Having ASPCA pet insurance offers me a sense of security in knowing that I can provide the best care for my pet.
3

out of 5

POSTED: | BY: Kiele

???

First time submitting a claim and it's taking a hellava long time. Plus customer service people seem very irritated and impatient when I call (come on, it's not like I'm bugging you every week!) Well, we'll see how much is paid on my claim for my final review. Used to have VPI and they were must faster and nicer even though they didn't pay much. Might have to go back to them.
5

out of 5

POSTED: | BY: Carl Knight,

Best pet insurance

I have been extremely happy with their service. Processing turn around is fast and reimbursement is quick. Customer service is awesome. I am glad to have this insurance for my three dogs.
4

out of 5

POSTED: | BY: John Beattie

First time to use this insurance.

We have a puppy, at the time 8 months old, and she tries to get into everything and "taste" everything, to put it mildly. One day, we noticed she was sluggish, and had diarrhea that was reddish in color and took her to the vet. After some medication and special food that we could only get as a prescription from the vet, she recovered in about a week. The bill came to about $460 and after the $100 deductible and the 90% coverage, we received a check for about $265. We were surprised that the food was not covered because it was not available to us except as a prescription item. I would have thought that it would be covered, but they said it was not. Very disappointed in that. But other than that, they seemed to honor everything that was explained to us in the policy, as best as we could recall.We had reviewed several policies with other companies literature on their pet coverage, but we thought this one included the best coverage, so we purchased it, and so far, we still feel this way. Thank you. John & Sue Beattie from Bellingham, MA
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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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