ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,785

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: Jean Murphy

Good even in area with high vet prices

Very pleased. Although the payments are based on the average price of vet care, and we are in an area with very high prices, we have been pleased with the amount we have received from our claims. Excellent communication has kept us informed from the time they receive our claim till they pay. Our dogs have been insured for 3 years and we plan to continue our insurance. Every phone call has been answered by staff who has our best interests in mind.
4

out of 5

POSTED: | BY: Craig Sullivan

Financial Relief

My yellow Lab, Max broke a molar. My vet would not do the surgery to remove it and referred me to a specialist. I didn't hesitate, knowing that I had ASPCA insurance and I had used it in the past. The specialist cost over $1,800.00 and while certain things are not covered by the insurance I had about a $500.00 out of pocket expense. This has given me peace of mind that I can take care of my dog in any situation. I would highly recommend it to a friend.
5

out of 5

POSTED: | BY: Julie K.

Better Safe Than Sorry

I have used my pet's health insurance just a couple of times for minor things (thank goodness), and I have found that ASPCA pet insurance claims easy to make. I like the idea that IF anything were to happen to my Labs, that I would be covered for the more expensive things.
4

out of 5

POSTED: | BY: Carol

Quick 'n Easy

I have used ASPCA Pet insurance for my kitten for both emergency care as well as routine preventive medical care. I have found the claim process to be well organized, efficient and easy to use. I will definitely renew it again.
5

out of 5

POSTED: | BY: Lindsay Kline

Thankful

I purchased this insurance for my dog, Rocky, about a year ago. It has really helped in vet bills but we also had an unexpected accident last year and had to rush Rocky to the emergency vet. I don't know how I would have been able to afford the emergency care without ASPCA Pet Insurance.

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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