ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,860

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: Megan G.

Huge Financial Help

We have had ASPCA pet insurance for about a year now and have been pleased so far. After watching many family pets incur expensive medical costs, when we adopted our cat Oscar, we figured insurance would be a useful thing to have. Earlier this year, Oscar required a trip to the emergency vet with a UTI and after we submitted the claim, we received about 80% of the costs back from ASPCA. Not only did we receive financial support, but ASPCA also called to check in on Oscar and make sure our needs were met for the claim. That was a nice personal touch and of course financially, the claim reimbursement was a huge help. ASPCA really showed us that they were committed to making sure Oscar's care was covered. Also, the initial reimbursement check got lost in the mail and ASPCA automatically sent another one after giving it 30 days to show up, without requiring me to call back multiple times! I really appreciated that they were paying close attention to our file and making sure things were taken care of.We have just adopted another kitty, Emma, and immediately put her on the insurance plan with Oscar in case she needs coverage. So far, so good!
5

out of 5

POSTED: | BY: Rene Deal

Well Worth the Money

I was happy with the way the claim was handled.
5

out of 5

POSTED: | BY: Ronald Maley

Very good experience

Have filed in the past and have talked to some very nice and helpful people. I will continue to carry this insurance. It is reasonably priced and the service is fast. Thank you
5

out of 5

POSTED: | BY: James Rogers

Glad I have this insurance!

Easy forms to fill out and I like the ability to manage my account online.
4

out of 5

POSTED: | BY: William Kroll

expensive possibly but pretty good

Our pet experience is to young yet as she is only 18 months old. We have the insurance to insure our peace of mind that we are taking good care of her.
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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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