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: Mary Anderson

Happy's happy

My big white 23 pound kitty, named Happy, was having litter box issues. We got that all taken care of by visiting the vet. The claim was easy to file and was paid quickly. Glad I had pet insurance.
5

out of 5

POSTED: | BY: Marta Sample

I like ASPCA pet insurance

I would recommend ASPCA pet inscuance to anyone who has a cat or dog.
4

out of 5

POSTED: | BY: Angel

Almost Completely Happy

I love ASPCA but it would be nice if they extended their coverage for more health conditions and treatment. Some of my chihuahua's medications were considered "vitamins" since one of the ingredients was a vitamin. I have to pay out of pocket even though it's to treat a condition. Also, it takes a very long time for me to receive my check. Everything else is amazing!
5

out of 5

POSTED: | BY: Traci

Glad I purchased

It's nice to know that if my dog gets sick, I will have some help the bills.
5

out of 5

POSTED: | BY: Elizabeth Blanks

Fabulous

Jackson began coughing violently and gagging then swallowing rapidly. We took him to the emergency vet in Richmond and he sedated him to look down his throat to see if there was a blockage. There was no blockage but his right tonsil was inflamed. They xrayed him to see if he had swallowed something ,but that was all clear. The thought was that he had an allergic reaction to an unknown substance. Could have been a spot cleaner used to clean a carpet spot that afternoon. We were very lucky and he has been fine since. I submitted the claim to ASPCA insurance by mail and I think it was only a couple of weeks that I received a check that covered most of the Vet bill. We were so thrilled and pleased with the way we were treated. I just received a call from a woman with ASPCA insurance checking to see if we needed anything or if she could answer any questions re: the insurance. She was just so nice and it was like talking to a family member. Cant say enough nice things about the pet insurance we have for Jackson. Thank you to everyone.

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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