ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,696

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: Tina Lyons

Invest in your Pets

I never want to have to choose between treatment and euthanasia due to cost. I recommend insurance to anyone that loves their pets. My dog has had problems and I have not had to wonder how I was going to manage. The insurance reimburses the majority of costs and does so in a timely manner. I have recovered more than the cost of the insurance. I will never let my pets go uninsured.
5

out of 5

POSTED: | BY: Juan Escobedo

great pet health insurance coverage!

My cat got stung by a bee to his upper lip and had severe facial swelling. Pet was taken to local veterinary hospital after hours. Pet was treated accordingly and picked up early the following morning. Facial swelling was reduced significantly but not resolved completely. Pet was taken to his primary DVM and no further treatment was needed. Claim for accidental injury filled out and submitted. Partial reimbursement received within 2 weeks and I was somewhat content with amount of reimbursement but did not feel I received 80% of total costs.
4

out of 5

POSTED: | BY: Justin

Caine

I love having ASPCA Pet Insurance. I have had coverage for almost 8 years now. The little I pay in premiums gives me peace of mind that my loving Rottweiler will be well taken care of should any kind of medical emergency arise. The few small claims we have had have been reimbursed in a timely manner. Keep up the good work!
5

out of 5

POSTED: | BY: Edward

Macie

My dog Macie got sick in October. I took her to the vet, which can generate a scary bill. I start with a few services to see if that would make her feel better, which it did. I submitted my claim form and a check arrived a few weeks later.
1

out of 5

POSTED: | BY: Jenny

Not a happy customer - ASPCA ridiculous

THIS IS A SCAM!I have three cats and pay for level 4 insurance for them. Just recently submitted a claims of ($400.00) for my 1yo cat for neutering. After all the "disallowed" item ie blood test, and annual deductible I got $66.00 back. I too ask them to give me a list of "customary cost for my area in SF" and was told that they couldn't give me this info. Will definitely shop for another pet insurer.
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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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