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: Walter Harvey

Total satisfaction with ASPCA {et Insurance

I am in the third year of my policy with ASPCA Pet Insurance and am 110% satisfied with that company's policy, integrity and honesty. They have processed every one of my claims promptly and completely in accord with the policy terms, conditions and limitations. I have even submitted incomplete claim forms with only a copy of my dog's vet's invoice and ASPCA Pet Insurance has accepted,honored and processed those submissions. Prior to my dealings with ASPCA Pet Insurance I covered my dog's health insurance with a policy from a major competitor of that company. Almost every claim I submitted to that other company was met with evasion, avoidance and attempt to disallow it, require additional information and even unreasonable denial. I have had no such problems with ASPCA Pet Insurance and wholeheartedly recommend that insurer to any and all pet health insurers, I am not a person who writes reviews or otherwise comments on those companies with which I deal. I am writing this review because ASPCA Pet Insurance has earned my absolute respect. Thank you for doing that.
5

out of 5

POSTED: | BY: Aaron

This Insurance is great

I had to take my cat Noodles to the vet the other day and thank goodness I had this insurance otherwise financially I do not know what i would have done.I was even able to you my Petdiscounts from Dr. SmartPhone MD to get his medicine. I suggest anyone with pets should check that out as well you save on healthcare for yourself and your pets. www.drsmartphonemd.com/pet_discount
5

out of 5

POSTED: | BY: Carrie

Excellent care & service

We've been a customer since 2007. We've always had quick turnarounds with our claims. The reimbursement amount is more than fair! ASPCA plans have excellent coverage for our 3 feline family. Their customer service reps are very polite. I recommend ASPCA to all our pet friends. In my opinion, there is no better insurance to have than ASPCA!
5

out of 5

POSTED: | BY: M. Quiroba

Impressive

From the relative ease of submitting a claim to the prompt claim review and payment, we couldn't be more impressed.
5

out of 5

POSTED: | BY: Sabrina McKain

"Cold calls" just to check in on my dying boy.

The love of my life, my male black lab, Raven (13.5 yrs, blind due to retinal degeneration, "old dog vestibular" imbalance, Stage II Mast Cell tumor removal,and Canine Cognitive Dysfunction/"Doggie Alzheimer's"). All of this except blindness within the past 6 months. With all the stress of moving from KY to NC and changing vets to finally now having one that does hospice and house calls, ASPCA has not only worked with me on claim submission and called when they haven't seen a claim for a while, but they have called twice just to ask how Raven is, how I am, etc. They are genuine - as are the dogs I hear in the background that the employees bring to work with them; love that. It's almost impossible to insure a dog over 10 years. ASPCA insured Raven at the highest level of coverage available at a very reasonable cost. My submissions last week to them (inc. imaging at UT) was over $3,000. The woman on the phone didn't comment on my waiting to submit so many at once except to say that if there was any way ASPCA could help as I deal with the knowledge that my baby is dying, don't hesitate to say so. As a nurse, it was rare that I saw people treated this well - and definitely not from our health insurance or the hospital business office. Raven's 7-yr-old sister Emily (yellow lab with ITP) is also insured with ASPCA. What I have written still doesn't describe the depths of my gratitude for them. I've had other insurances and they have been nightmares. ASPCA is a dream com

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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