ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,792

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: Judi Baller-Fabian

Thank You ASPCA Pet Iinsurance

When my little Norwegian Forest cat, Peter, became ill during Hurricane Irene, my husband and I were frantic, but luckily we found a veterinarian Clinic in the next town that would see him. He had a bladder stone and without immediate help, he would have died. After surgery and two weeks in the hospital, he came home safe and sound and much to our delight, ASPCA Pet Insurance reviewed our claim and sent us a check that helped us so much because we are retired. They let us know when they received the claim and when they had approved it. They sure came through when they were needed.
5

out of 5

POSTED: | BY: Juanita Owens

Happy with the pet insurance

I wanted pet insurance for my adopted terrier mix puppy, I talked to a couple of companies but I liked the coverage from ASPCA. Since I have had the ball of energy he has gotten into all kinds of things. Thank goodness for the insurance.
4

out of 5

POSTED: | BY: Julie

Undecided

Claim amounts are fair, but turn around time to be reimbursed are long.
4

out of 5

POSTED: | BY: Scott Shevrin

Reasonable and Customary isn't even close

We wish the reasonable and customary amounts were actual for our area, the benefits paid were much much less than we expected, and we didn't see how the amounts claimed to be reasonable are at all aligned with our area. But, we are thankful for the coverage. Also, the time to claim payment is quite long, but they are thorough.
4

out of 5

POSTED: | BY: William Kph

Thank you for take care my Lucky.

Lucky has Problem with his ear & skin. he is very secentive body systems.
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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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