ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,250

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: Courtney

Everyone should have pet insurance!

I bought this pet insurance when we adopted our shelter kitty, thinking it would be years until I had to use it. Just a few months later, he started showing symptoms of an age-related chronic disease. ASPCA insurance has been great about the many claims I had to file as we tried to figure out what was happening, and the many appointments and tests he's had to have to maintain his quality of life. Most importantly, I've had the peace of mind that when my doctors strongly recommended something that might have been out of my normal budget, I knew ASPCA insurance would step in and keep it affordable.
5

out of 5

POSTED: | BY: Tamara

ASPCA Pet Insurance is AWESOME!!!

We have insured several of our pets with ASPCA insurance and they are the best! Fast processing of claims and wonderful customer service!
5

out of 5

POSTED: | BY: Roy

My 3 cats

I have had ASPCA insurance for several years now and have always had excellent service and would definitely recommend their services
3

out of 5

POSTED: | BY: Kevin Whitney

New client but so far it is not too bad

Too difficult to give a 5 star since I have not used the service yet. But I like the options in order to lower the price. However, I was disappointed to find that one of my dogs was over twice the monthly amount than another dog. So I do wish the cost was lower. Overall, this service seems like a good idea to help with any expensive vet bills. Update: I am about 2 months into it now. I used to have Trupanion which was more expensive. So I think ASPCA is a better option.
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4

out of 5

POSTED: | BY: Jacqueline Stephens

Liberty and Justice

I just added our new dog Liberty with ease.
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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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