ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,792

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: Libby Guida

Very happy with insurance

Our dog, Bailey, was vomiting and hardly eating anything. The vet performed many tests, did xrays and untrasounds, then finally exploratory surgery. It was determined that Bailey has Inflammatory Bowel Disease; she's fine now as long as we feed her the most expensive dog food in the store! Anyway, this was a very expensive experience and our claim was for over $3000. The representatives on the phone were knowledgeable and helpful. Our claim was received and processed promptly without any complications. Overall, it was a very easy, professional process and we are very happy with this insurance.
5

out of 5

POSTED: | BY: Heather Smith

Everyone needs pet insurance

I've had ASPA pet insurance for 3 years and swear by it. My boxer is very prone to getting himself hurt and sick. I got my dog in college and would have been completely broke without it. When my dog got heartworm the heartworm preventive provider said they wouldn't help us pay for the expensive treatment. Thankfully our Level 3 APSCA coverage helped us pay for most of it with no problem or questions asked.
5

out of 5

POSTED: | BY: Delores Ford

Customer Rating

"Smoki" (Toy Poodle) was born May 21, 2011, I adopted him JUNE 2011 @ six weeks old. Smoki has been a member width ASPCA for almost one year,& he is a very healthy poodle, I have only had to submit claims for wellness, neuter, & vaccines. NO ILLNES; NO INJURIES I have not had any problems with getting reimbursed on any of the charges that are covered. All calls made have been very helpful and the customer teams have all been very polite.
3

out of 5

POSTED: | BY: Linda Koller

So far no claims have been paid.

So far no claims have been paid. Haven't met the deductable and some were not covered.
5

out of 5

POSTED: | BY: Mary Callahan

Glad I bought ASPCA

I have found that insurance gives you a peace of mind. In most cases you don't get reimbursed for more than you pay for premiums. However, if my dog were to get really sick, I have a peace of mind that some of my costs would get covered.
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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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