ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,788

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.
4

out of 5

POSTED: | BY: Julie Reses

My "emergency room child" is covered!

I am the very happy owner of 2 English Springer Spaniels; Maggie & Murphy. Maggie was with us for nearly 5 years when we decided to bring Murphy into our family. Have you ever heard of an emergency room child? That would be Murph! From day one he was nipped at, developed rashes, experienced severe growing pains-you name it, Murphy experienced it. I decided right away that ASPCA health insurance was a must. Since we have been a member, there have been many more emergency visits (laceration to his lip; slip and falls on hardwood floor, etc.) Each time ASPCA processed my claims in short order. I only wish my own healthcare insurance provider was as competent!
5

out of 5

POSTED: | BY: Cristina

Great Pet Insurance Company

Coming from another pet insurance that took forever to cut a check back - Pets Health was a worldwind of a difference. Qualified people to help you on the phone and a great response time to a claim. Pets Health also does a great job of communicating with their clients once a claim is submitted.
4

out of 5

POSTED: | BY: Judy

Glad I did it

Choose to get pet insurance after my first dog needed surgery and I had to pay the full cost. ASPCA offers a plan that is affordable and gives peace of mind that I can take care of problems knowing that I will get a share of the cost reimbursed.
4

out of 5

POSTED: | BY: Michael Ubbelohde

Satisfied customer

Mu dog was deeply lacerated on her neck. The claim was for about $225 and ASPCA Pet Insurance paid for all but my 20% responsibilit as per my policy. I am very pleased with the coverage receivedl
4

out of 5

POSTED: | BY: Priya

A must have if you care for your pet

My dog is family and I brought him from India. He needed a great overhaul since he was with caretakers for a period of 8 months. The first thing I did was get him checked with a vet and then get some insurance. I wont say that I very happy with the cost limit included for the services but then I do get at least 60% of the overall amount I spend back and when the little guy is over 8 years he needs more constant care and maintenance. The processing time quite fast though and the customer care time to answer questions is also quick.
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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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