ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,717

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: Michelle

My first claim and service was great

When my dog hurt himself at the dog park I didn't have to worry about paying the bill or figuring out complicated insurance claims - just about his health. I contacted customer service with questions about coverage and they were very helpful. The claim process from filling out the form to receiving the check was fast and completely uncomplicated.
5

out of 5

POSTED: | BY: John

A plan that did exactly what it said

I would recommend ASPCA pet insurance to anyone. It covers exactly what it states (80% after meeting the an annual deductible of $100), and reimbursement is prompt. As a pet owner, you have a responsibility to provide for your companion animal. Many people forgo medical treatment or even regular checkups because of fear of the high costs. With pet insurance, you are covered for most of the cost and it allows you to prolong the life and overall health of your friend. In my case, my dog had cancer (hemangiosarcoma). This was one of the most terrible times in my life; but would have been much, much worse if I wasn't able to give him a chance with surgery because of monetary reasons. Having insurance allowed me to give him the shot he deserved and not be left with tons of medical bills. In the end, the cancer was too much for him to overcome, but at least we tried and for that reason I am not left with any regrets that I would have had if I simply put him down just because the prognosis was extremely poor.
5

out of 5

POSTED: | BY: Helen Williams

Tequila dog

At Christmas time our puppy sampled a bit of margarita and became quite ill. We took him to emmergency, where he spent the night, in a guarded condition. The bill was substantial and the insurance company paid 80% without any questions. We are so happy to have bought this policy.
5

out of 5

POSTED: | BY: Erin Terra

Great, quick processing and good updates

My claim was processed quickly and I was kept updated about the progress of the claim. The explanations of payment were easy to understand.
4

out of 5

POSTED: | BY: Kathleen Treanor

Coverage was helpful

Insurance reimbursement helped to defray the cost of my cat's care. The vet bill was quite high and without the coverage it would have been a greater burden to bear.

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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