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: jean

They call...They write...

My first experience with ASPCA insurance was last year. I put two Himalayans on the policy. Almost immediately after I had, one of them suffered a horrible death (cancer that seemed to come out of nowhere). They sent me a hand-written sympathy card...AND proceeded to comp his monthly policy charges. No questions asked. My second experience with them came when my other pet started having health issues a few months ago. The claims I submitted were handled quickly and with no resistance. They even called me to check on how my little guy was doing and were very interested in also knowing how THEY were doing for us. Imagine if people insurance worked that way?
5

out of 5

POSTED: | BY: Prafful

The UI interface is really convenient

They have more options (deductibles and limits), when I bought it at least. The time of claims reimbursement might be longer (3-4 weeks), not sure since this one is my first pet Insurance. I just checked the reviews online and limit options when buying. The GUI is pretty simple and easy for submitting claims. Overall I like it.
5

out of 5

POSTED: | BY: Angelina Tallaj

Life saver!

Great insurance and fast service! I highly recommend this insurance. It has allowed me to take extreme good care of my cats without worrying about the cost.
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4

out of 5

POSTED: | BY: Nancy Jimenez

Definitely recommend!!

Great customer service.
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5

out of 5

POSTED: | BY: S Hudson

So far our experience with ASPCA pet…

So far our experience with ASPCA pet insurance has been good. Our claims for our dogs knee injury and consequent surgery were processed fairly quickly once out vet provided the needed info. As long as their rates stay reasonable we will br happy customers.
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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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