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: Jeannette Hull

The Importance of having insurance for your pets)

I have had the joy of owning four Beagles, the latest onebeing Lady, a Tennessee rescue that I adopted through the Anti Cruelty Society two years ago. She is the joy of my life! As soon as I could, I enrolled her in Pet Insurance. I have enrolled all of my pets because you never know when you will need to have it. The insurance has helped to pay for surgery as well as some office visits of my pets and while it doesn't cover everything, it is wonderful to know there is help for our four legged friends when it's really needed. I had overlooked the fact that Pet Insurance covers the annual exam and certain tests. I found out when they called me from Pet Insurance to let me know I was indeed eligible to have part of Lady's bill paid. As I live on Social Security, this was indeed a blessing.
4

out of 5

POSTED: | BY: Anthony

ASPCA

I have generally had nothing but success with my pet insurance. There are pretty quick to turn around claims and generally fair with what items they cover. One thing that would be nice to have from them is a list of "reasonable" costs for things in my area (there is usually a $5 -$10 difference per item) so I could make a more informed decsion on my pet care provider and making sure my costs are covered.
5

out of 5

POSTED: | BY: georgia rolfe

good job

I was pleased with aspca health insurance after my dog broke her leg.
4

out of 5

POSTED: | BY: elyse allbee

Oscar and Felix

Oscar was sick and the insurance was very helpful
5

out of 5

POSTED: | BY: Aaron Simon

Claims for Skin Irritation

I submitted a claim for skin irritation that had persisted with both oft cats. Dealing with ASPCA was fast and easy.
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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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