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: Hedwig

A heartfelt Thank you for helping to save his life

Kirby was diagnosed with “Valley fever”. Being a new doggie mom I was so scared to loose him. With the help of ASPCA, we were able to get him the help he needed. Thankfully at this time he is on the mend and waiting to see how he can hold on his own without medication. I am grateful to have the help and support, and in two more months we will see how things resolve for our handsome boy. Thank you again for not making things difficult during an otherwise trying times. I full heartedly recommend ASPCA pet health insurance. Without their help we would not have our sweet boy in our lives. We are grateful 🐕
5

out of 5

POSTED: | BY: Deb

Exceptional customer service

My dog had caught an infection of some sort a few months ago and he’s been in and out of the clinic. After numerous tests, a surgery for remove an infectious mass and 30 days of antibiotics, it seems like he’s going to be great. Throughout this stressful time, ASPCA was a tremendous partner. It was so easy to submit my claims and I was refunded so quickly! They never pushed back as long as I provided details along with my invoice. They made my decision to get Bodie the help he needed so much easier and without the financial burden. They’ve called me a couple of times to check in with Bodie and to see if I needed any assistance. They are an outstanding company with truly compassionate individuals.
5

out of 5

POSTED: | BY: Jane

So glad we have this insurance!

Excellent customer service! They always know our dog’s name and ask about him. We have had quite a few trips to the vet with this puppy, and the reimbursement process is a cinch with the app!
5

out of 5

POSTED: | BY: Mike

the claim process was very easy and my claim was processed quickly.

The claim process was very easy and my claim was processed quickly.
5

out of 5

POSTED: | BY: Michelle

Great service

Easy to put in claim, fast processing.
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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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