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: Caroline

Worth Having! Got my $$$ worth!

We adopted a rescue 5 yr old weimaraner in November. Almost 3 months after we had him, he got some bumps under his skin. Our vet suggested a biopsy and they turned out to be cancerous cells! The poor thing had to have surgery. It was about $1400 which insurance paid $800 (after $100 deductable). I was relieved I had insurance. It has also been a life savor for our cat (who recently passed). X-rays typically run $300 so to have insurance pay 80% is really worth it! I always tell people my animals have better insurance than me! $100 deductable with 80% reimbursement is a great insurance plan! I wish blue cross blue shield provided the same coverage!
5

out of 5

POSTED: | BY: Mary English

A GREAT help with some serious bills!!

Sorry it took so long to respond...But Bruno actuallyruptured both cruciate ligaments in both hind legs. About two weeks apart!! we were very happy with payment we received for the first accident but are still waiting for the second payment. I am waiting for that now.
5

out of 5

POSTED: | BY: Amy Metzker

ASPCA always helpful

Nicky became listless over a few days, then started having loose stools. We took him to our vet on the 3rd day after his 1st loose stool. The vet tried an antobiotic & fecal tests. Nicky eventually had other drugs, lab, & a sonogram. He is finally much better. We have used our ASPCA before, & they have always been caring & helpful. I think Nicky has better insurance then we do.
4

out of 5

POSTED: | BY: Amber

Covers Most

While the insurance doesn't cover everything, it is definitely worth having it. It helps give you peace of mind not having to worry about having to pay the whole bill. But most importantly, Amber is back to running around like a kitten and she is 16 years old!
5

out of 5

POSTED: | BY: Dmitriy A.

Good experience so far

I have had a very good experience with ASPCA Pet Insurance so far. I have made two claims, each of which was processed quickly. The statements clearly identified which items were covered and which were not covered and why, and the reimbursement amounts that I received were in line with my expectations.
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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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