ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,889

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: Patti Speed

Peace of Mind

This is the best investment I have made the last 8 years! My cat Macy developed asthma 2 years ago-he has maxed out the plan but it has paid for itself ! I have continuing care and that has been sooo helpful since he had other issues too! I have my other 3 cats on the plan also but Macy has needed it the most. It has been peace of mind financially knowing that I can give him the best care possible and not worry about going broke! The customer service at ASPCA insurance is top notch-I have NEVER encountered anyone rude; they are awesome, helpful and so kind! For a sacrifice of eating out once a week for a month you too can have peace of mind and that is for 4 cats!!!
5

out of 5

POSTED: | BY: Chris

Excellent, caring service

We are very impressed with the speed with which they processed our claim. We had the check before the credit card bill dame due. We appreciate the follow-up call. Would strongly recommend ASPCA.
5

out of 5

POSTED: | BY: Martha

First time having pet insurance, glad I have it!

The saying, I rather have it and not need it, than need it and not have it certainly applies here!We have a Weimaraner who is almost 2 Years old and he has been a handful to say the least, but he has brought many smiles and I am glad we have some help recouping money spent at the vet. The premiums have been covered and more, the people I have spoken with on the phone from ASPCA Pet have been very courteous and helpful!
4

out of 5

POSTED: | BY: Manpeet Dhaliwal

Glad I had this!

I've had the accidental plan for my dog since 2010 and thank goodness I did because just recently my maltese needed surgery for a torn CCL that was going to cost me over $2k!!! Although the entire amount was not covered, ASPCA helped cover the majority of the charges :) and my dog is doing very well now. It was a quick process that took about a week to process and for me to receive the check in the mail. Just be sure to submit all of your pets medical records from every vet to help speed up the process. Will definitely continue to have this insurance for my dog.
4

out of 5

POSTED: | BY: Lynn wright

Really helps to offset the costs.

We have had pet insurance for the past 10 years and we use it every year. Some years it pays for its self and some it doesn't but it has been very beneficial when my dog has needed more care the older he gets.
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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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