ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,254

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: McLean

Very easy and painless claim processing!

I have had pet insurance in the past with other agencies and always had issues. I only decided to try ASPCA because I support what the agency does for animals and my company offers a discount (I work for a workers comp insurance company). I had to submit a claim for my dog Penny who had a bad muscle pull and was getting myself mentally prepared for a time consuming process resulting in nothing. But WOW! It was super easy filing the claim online. I was so pleasantly surprised. I later got a call asking how Penny was doing and how the claim process went. Another surprise! I greatly appreciate ASPCA and highly recommend them.
5

out of 5

POSTED: | BY: Pamela

ASPCA pet insurance is the best!

ASPCA is phenomenal pet insurance-best experience and ease of use. This insurance allows you to focus on the important care of your animal with less worry on the bills!
5

out of 5

POSTED: | BY: Nikisha

Phenomenal and compassionate

One of our cats (we have four)Batman, got really sick. It turned out that his kidneys were failing him, and he was just a little over two years old. We took him to our local veterinarian, and he was admitted. I called ASPCA and they were phenomenal with walking me through the process on being reimbursed and they were concerned about him as well. They have processed all of his claims extremely fast, and they continue to call and check up on him and the rest of his brothers and sisters. We are very thankful to have all four cats and five dogs insured with ASPCA.
5

out of 5

POSTED: | BY: LYNN

The most awesome pet insurance company ever!

I've tried pet insurance companies in the past, but NONE compares to ASPCA! They genuinely care about your pet, are prompt on claim paying, call to check on your pet, and are always available to assist you. I've recommended them to many people and will continue to use them, thank you ASPCA!
5

out of 5

POSTED: | BY: Jed

Prompt Payment

Smooth
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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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