ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,840

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: L. Witas

Easy Claim Filing

We are so glad that we took out ASPCA Health insurance on our 8 month old Papillion mix rescue. The got hold of a bone and became very ill overnight. We took her to the local Animal 911 where she stayed in the hospital overnight for xrays, fluids, pain meds and observation. I submitted the claim to the ASPCA and received reimbursement for a majority of the total of the bill in under a month. We went with the ASPCA Health Insurance program because they are a name we trust. We have donated to the ASPCA for years and they were our first choice for our Holly.
5

out of 5

POSTED: | BY: Veroune "Ronnie"

Claim was user friendly, prompt action!

I was surprised at how quickly my claim was handled and how quickly the check came! The customer follow up was prompt and friendly and not rushed. I am so impressed I'm putting insurance on my other dog.
5

out of 5

POSTED: | BY: Suzanne

Great Insurance

I am very happy with the coverage I have for my 13 year old pug. When I first got the insurance she was younger and much healthier now that she is older she has developed diabetes and associated disorders. I have upgraded her insurance twice and each time I am met with prompt courteous service and reps that really seem to care for my pet. Payment of claims or the turnaround time is very fast. I wish my insurance were this good. Thank you for caring and providing such great insurance for my Izzy. I also want to comment that there were times charges were not covered and I appealed, that also was done fairly and quickly and they actually call to let you know the outcome It was refreshing.
5

out of 5

POSTED: | BY: Lois Baruch

Caring

The claims are settled quickly and it's great to know that I have some peace of mind when I have to take care of a sick pet.
5

out of 5

POSTED: | BY: Carol Shalaew

GREAT SERVICE WITHOUT HASSLES

I had my doubts when I first enrolled Talullah (my cat) two years ago but my doubts were washed away after my first claim. Talullah recently was diagnosed with a cancerous tumor in her mouth and had to have all but 2 teeth extracted. I have submitted 4 claims so far for Talullah and have received my reimbursements within two weeks of my claims. I've spoken with a representative a couple of times with questions and each time, the rep was courteous, knowledgeable, and voiced compassion and concern for Talullah. Talullah is on the road to recovery and so far, there has been no reoccurence of the tumor. Talullah would not be alive today if it were not for ASPCA Pet Insurance. I could never had afforded the surgery and aftercare necessary to keep her alive and well. The small monthly fee is well worth the peace of mind ASPCA Pet Health Insurance offers. Thank you ASPCA Pet Health Insurance and your caring staff!

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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