ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,820

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: Dashawn Peterson

They have stood by us 100%

I was so uneasy about getting pet insurance because of hearing so many bad stories online but I have been 100% satisfied with ASPCA so far. They have covered everything we have submitted and have done so faster than I expected. It is such a relief because my dog needs surgery on his leg and if it wasn't for having this insurance he wouldn't be able to get if for a long time. there is noway I could afford it without the reimbursement amount. Thank you ASPCA!
4

out of 5

POSTED: | BY: Rebecca Owens

It's mostly easy to file claims

It's mostly easy to file claims. However, the pre-loaded options can limit submission. Sometimes my animals' issues don't fit so cookie-cutter into the ones allowed and I have to make a best guess determination.
4

out of 5

POSTED: | BY: Eddy Dacy

Very easy to get around the website

Very easy to get around the website A application process was pretty easy very satisfied so far would do it again and refer them to other people who are needing insurance for their pets
4

out of 5

POSTED: | BY: Theresa Merritt

I have had ASPCA Pet Health Insurance…

I have had ASPCA Pet Health Insurance for many years and only once did I have an issue with them. It is a great insurance company for your pets and would never think of going to another company.
5

out of 5

POSTED: | BY: Richard D'Angelo

When sending in a claim

When sending in a claim, ASPCA will respond with either the approval or why the claim was rejected.

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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