ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,907

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: Robert Skiba

Very Satisfied

We initiated the insurance a the end of Man 2012. Two weeks later our dog was spayed and the insurance paid the appropriate portion without question. Less than two weeks later, our dog broke her leg requiring the specialty services of an orthopedic surgeon. The bill was surprisingly high yet ASPC paid their portion quickly and without question.Considering that they had only collected TWO months premium from us and paid out 14 times that amount without any comment, by comparison with auto insurance it was refreshing and very pleasant experience. I would recommend the Level 3 policy for new puppies without hesitation.
5

out of 5

POSTED: | BY: kim surawski

essential

I have a new puppy and right away put her on a health insurance plan. Thankful I did because she had an injury and aspca came right threw with protection. Our pets become part of our family and like os and our children get sick, have accidents and need wellness care. We put health insurance on the rest of our family why on earth would we not put it on our loved pets as well!
5

out of 5

POSTED: | BY: Kevin Pelletier

Excellence

I've been very pleased so far. Claim filing is easy, and reimbursement is timely. I'm an insurance broker, so I am very attuned to service provided by a given insurer. A+ rating so far!
5

out of 5

POSTED: | BY: Madeleine Tatkin

worth the money for the peace of mind

I was very please with this insurance, it was very easy to complete the form and submit it and it was handled in a speedy manner
5

out of 5

POSTED: | BY: Jamison

Toe Digit removed-injured claws kept growing back

The vet diagnosed that because of a past injury that our dog would keep growing a "damaged" (fragile) tone nail that would keep breaking and require operations to remove the damaged toe nail about every 2 months (at $300 a visit). We had the last digit of that toe removed and now Jewel is happy and has no issues!
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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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