ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,864

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: Janice Tankersley

ASPCA pet insurance provides peace of mind for us.

Toby, our collie mix, is a rescue who came to us at @ 5 years of age. We hav eno idea what his life was like before us but he has had stomach issues and skin problems since we got him. He has visited the vet on several occasions over the past 4 years for these problems and our insurance has been great -- prompt and always very nice and helpful representatives. We are happy to have this coverage.
5

out of 5

POSTED: | BY: susan eastman

this is great pet insurance

I have been so happy with ASPCA insurance. My dog had an ACL operation and had a tumor removed within months of each other. ASPCA covered almost 90% of all costs. Claims are taken care of quickly and the staff is so nice and helpful. I could not be happier. I would recommend them to anyone who asks.
5

out of 5

POSTED: | BY: Vicki Stevenson

Effective and convenient!

After a happy healthy first 2 years, my dog Daisy had two unrelated health issues in the space of a few Weeks. ASPCA processed both claims quickly and without any hassle. Very pleased with the system.
3

out of 5

POSTED: | BY: heather

premium keeps going up

We have been satisfied generally however my dog has been insured with them since birth and the premium keeps going up each year. Also my vet charges are always way more than what they think is customary and reasonable.
5

out of 5

POSTED: | BY: J. Carter

Excellent Pet Insurance

I am very happy that I have pet insurance through ASPCA. I have a 2 yr old, male, mix breed that has very sensitive skin and a very fragile body. He has been through a lot, from a broken leg to inhaling toxins which caused tremors. Through all of the various problems, I am extremely happy that I had ASPCA. The representative are very friendly and understanding and the overall service that ASPCA provides is outstanding.

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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