ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,876

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: Helen DiTanna

Peace of Mind

Thanks to ASPCA's affordable rates I am able to insure 3 of my cats. I have had this pet insurance for several years now and they are not only easy to work with and talk to but has helped tremendously with costly vet bills. One should never have to choose to euthanize their pet over medical bills. ASPCA brings me peace of mind when one of my cats gets sick or has an accident. My cat Rudy had some urinary issues so tests were run including X-rays and bloodwork which were costly but necessary and because I knew he was insured my decision to make sure he got the best care and right diagnosis was much easier.
5

out of 5

POSTED: | BY: Rose Benson

Great Help!

I have ASPCA insurance on my two cats and one dog. It was a blessing when my oldest cat was ill with renal disease. It helped us to care for her as well as possible during her final months. After she passed ASPCA called with condolences. They have been prompt and fair in paying claims. I recommend this insurance to anyone with a pet.
5

out of 5

POSTED: | BY: Carole Fishkind

ASPCA Continuing Care Is Great

One of my dogs has been bothered with a series of ear infections and I have had to file several claims. After the deductible was paid to ASPCA they began to pay on all of the following claims which was seriously helpful.I have always thought of the ASPCA as an organization that truly cares about animals which is why I came to them for pet insurance.
5

out of 5

POSTED: | BY: Brian Hough

Good Customer Service

I am very glad I have ASPCA insurance for my dogs. I have a puppy and a mature dog and they have been there for both. Although the process takes a minute for re-reimbursement, the process works, and the people are not only helpful but seem genuinely caring about your pets health which is nice. I have had 5 dogs total on ASPCA and even during a tough loss I feel like ASPCA was there to help. Thanks!
5

out of 5

POSTED: | BY: AC

So Easy!

Getting my insurance reimbursement was extremely fast and easy. From the time my vet submitted the forms until the time I received payment in my bank account, it took less than 2 weeks. Very impressed and definitely glad I signed up for insurance with ASPCA.
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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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