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.
3

out of 5

POSTED: | BY: Sharon

ASPCA -- Not happy

I've had my cat insured with ASPCA for two years. I just received a re-enrollment form from them, asking that I go through the enrollment process with them once again, which includes paying another enrollment fee. I understand where raising prices may be necessary, but I'm a customer for almost two years and they want me to re-enroll is absurd.
4

out of 5

POSTED: | BY: Cathy L

Good Insurance

I have used this Insurance a couple of times. Everybody is friendly & courties. The Claims were handled in a timely & effeciant maner
5

out of 5

POSTED: | BY: J. C.

Great experience!

After many dogs with all types of health issues, we finally decided to get pet insurance with our latest addition, a male shih tzu named Henry. In January, Henry was disgnosed with biloous vomiting syndrome and now takes and easy of administer liguid medication three times a day. It is so nice to have pet insurance to cover this medication and dealing with ASPCA pet insurance has been clear and easy. I have already reccomended this company to friends and family.
5

out of 5

POSTED: | BY: BUSTER

Buster

Just wish they would pay more of the VET fees. like 125.00 for the vet you pay 65.00. thanks Buster
5

out of 5

POSTED: | BY: Geri and

The BEST Pet Insurance with the BEST associates!

We have had ASPCA Pet Insurance now for over 3 years and have been so satisfied with the service we have been given! Our first Dachshund Marco was adopted from Florida Dachshund Rescue at 7 years old. Unfortunately at 9 he was diagnosed with liver cancer and ASPCA was there with us during this difficult time and handled our claims in a very timely manner and even when he passed away all those expenses were covered and we even got a personalized card from them expressing their sympathy. That meant so much to us! We now have a 4-year old Dachshund named Happy from FLDR and have new joy in our lives with him and with the higher coverage we even get back some of the money we spend on his maintenance meds for flea and heart-worm protection and other meds he is taking. The response back to us for our claims is very quick and if we have any questions at all we can call and speak with a representative who has always been kind and understanding and knowledgeable about our plan. We are so grateful to have ASPCA Pet Insurance and recommend it highly to anyone that has a pet! Thank You!

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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