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: Richard

Cannot say enough good things!

My Dog Luna has had some unfortunate issues within the past couple of months that required multiple overnight stays in the ER. With over 2K in vet bills I am so happy to have pet insurance. I am not sure what we would have done without it. When I first took Luna to the vet I was given a bunch of Pet Insurance pamphlets. I did some research and based on advice from trusted friends and the design of the ASPCA app I made my choice. The app is beautifully designed, easy to use and I was able to upload photos of receipts and get reimbursed quickly. I am not tech savvy and I have no problem with the app. Additionally when I have called customer service my call was answered quickly and the representative was very friendly.
5

out of 5

POSTED: | BY: Carol Shannon

The coverage is excellent

The coverage is excellent. The price is reasonable. Claims are processed in record time. On occasion when I have had to contact Customer Service, each staffer is very knowledgeable and helpful. Based on coverage and ease of dealing with ASPCA, I have now enrolled by second boy.
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5

out of 5

POSTED: | BY: Marla

Very responsive.

Excellent responsiveness.
4

out of 5

POSTED: | BY: Lua Pulaski

Great service

Never had any problems with my reimbursement. Had to call them on several occasions due to my errors and they were very helpful. Reasons that you didn’t get 5 stars is because you do not cover pre existing conditions. Not that my cat needs it, but some might.
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5

out of 5

POSTED: | BY: DeAnn Jajdelski

Thank you

Thank you! Surprising when some thing works like it should and better!
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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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