ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,796

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.
3

out of 5

POSTED: | BY: Meghan Babcock

Average

It’s decent. I adopted a dog from a rescue shelter who has allergies. Apparently allergies won’t be covered since he had it prior to the adoption. I find that part to be sad. While I have a similar mission of saving dogs instead of buying a puppy like most people, apparently only the ones who buy puppies without preexisting allergies will be covered. That wouldn’t surprise me with a typical insurance, but I guess ASPCA is no different than any other insurance since my sister with a dog with allergies is covered but bought as a puppy.
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5

out of 5

POSTED: | BY: Elaine Mandato

Claims processed timely

Claims processed timely. I have tried a few pet insurance and I find ASPCA to be the best
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5

out of 5

POSTED: | BY: Erin Ryan

Excellent customer service.

Excellent customer service.. expedient payment processing and an exemplary process for processing claims!!! Could not be more happy with this company!!
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4

out of 5

POSTED: | BY: Barbara Gallo

I haven’t actually submitted a claim…

I haven’t actually submitted a claim but the process of signing up was so easy. The fee for the coverage was better than most.
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5

out of 5

POSTED: | BY: Sandy

Dispute solved!!

I am updating my previous negative review because we have discussed the conflict and resolved our issue. Thanks, Trustpilot!
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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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