ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,789

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: Tessa

They came through for us

We've had ASPCA insurance for our two greyhounds for a few years now, and had submitted claims a few times before, but unfortunately those claims weren't classified as accidents or injuries (we just have the basic level of protection) and we didn't qualify for any reimbursement. In June though, one of our greyhounds had to have emergency surgery for an intestinal blockage, and then follow up treatment when he was bleeding internally. In the end he came through okay, but the bill was certainly pretty high. The vet's office was pretty skeptical about us getting anything back, but I submitted our claim anyway (it's a really easy process, and worth the time), and I'm certainly glad we did! The max refund per incident was only about half of the total amount we had to pay to the vet, but we were extremely glad to get that back! These days everyone is very skeptical about ever seeing any refunds from any kind of insurance company, but I can definitely say now that when accidents happen to your pets, it is more than worth it to have ASPCA Insurance coverage! The claim process is easy and quick, and they let you know about the decision of your claim pretty quickly, and best of all send out that check right away.
5

out of 5

POSTED: | BY: Jennifer Owens

Thank you

our Harley was diagnosed with cancer in Jan 2013 and was not given much time. It is 7.5 months later and ASPCA has been with us the entire time. they have paid our claims in a timely manner to help with the financial burden of taking care of our baby. They have also called us several times just to check on him. John at ASPCA has been the BEST.
4

out of 5

POSTED: | BY: Amy R

ASPCA experience

Overall we are very happy with ASPCA pet insurance, although the premium does tend to go up year on year (what doesn't?) we have still found it to be beneficial and worthwhile, especially in cases of emergency. It gives us peace of mind to know that if something were to happen to our beloved French Bulldog that we can take her straight to the vets without worrying about cost. There is an annual deductible but after that costs are covered. The claim process is easy and efficient and we are always reimbursed in a timely fashion.
4

out of 5

POSTED: | BY: Liz

GOod to have ASPCA Insurance

Very helpful I would recommend it to everyone !
5

out of 5

POSTED: | BY: Tiffany Luna

They care

Helped me out a little on my Danes accident, not too much. Even though they did take a long time to review and pay me back, they showed a significant amount on how much they cared.

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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