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: Nadia Scoggins

More people should know about this pet insurance

I'm originally from the UK, where pet insurance happens to be very common. I asked around about pet insurance here a few years ago when I got my then kitten, Mila. I was told there wasn't any by so many people I nearly gave up until I saw a flyer for ASPCA insurance, and the rates looked good. Since then, it's saved my cat's life once (a nasty car accident that left him with a broken pelvis and a collapsed lung), and helped cure him from Lyme disease and a gastric problem. The claims forms are easy and the reply is prompt. I'd definitely recommend it, I think it's well worth it.
4

out of 5

POSTED: | BY: Judy Hudson

So glad I enrolled as to my vet's suggestion

I entered my claims and war reimbersed about 1/3rd of my out of pocket. Nice.
4

out of 5

POSTED: | BY: Rebecca

great investment

Having this insurance gives us peace of mind, we always dreaded the vet visit, knowing it would be hundreds of dollars. Now we don't stress about the cost, we get our little guys healthy and know we'll get our money back.
4

out of 5

POSTED: | BY: Pat Howard

ASPCA Does Exactly What They Say

I have had no problems with ASPCA dog insurance. They do exactly what they say and in turn my dog gets the medical treatments she deserves. Thank You ASPCA
1

out of 5

POSTED: | BY: Emerald

Pay Attention to the Fine Print

I paid for this insurance for 6 months and cancelled today. They interpret their pre-existing conditions clause very strictly. If your pet gets the same illness, ASPCA won't pay anything until after 180 days have passed since the illness was treated. I don't see the point of a pre-existing clause at all. Our government is about to get rid of pre-existing clauses for humans so why should this apply to our pets? Another kicker is the $100 annual deductible. It took them 2 months to process my claim because they were requesting information from the vet. I waited 2 months and they didn't help pay anything due to pre-existing conditions. Overall, I wouldn't recommend this insurance to anyone. It's just a waste of money and a lot of stress.
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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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