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: Erbil

Major coverage for an emergency

Our puppy got very sick very suddenly and we were very scared as first-time pet parents. We rushed him to the vet and he has been suffering from a parasite that significantly damaged his gastro system and that also caused pneumonia. Thankfully the animal hospital took care of everything but we were left with a hefty below above $1K. Worried about paying it and didnt expect insurance to cover a large chunk of it but when we learned that ASPCA covered actually more than 80% of it we were relieved. I was questioning whether a pet insurance was a right thing to buy but after this incident I was certain that we did the right thing with choosing ASPCA
4

out of 5

POSTED: | BY: Dan

Great and affordable.

Great afforable pet insurance, with 90% reimbursement. They are very helpful and kind, although the time it takes for your claim to be processed took longer than I would like. (Up to a month).
5

out of 5

POSTED: | BY: Brian Newberry

Get this! You'll be glad you did!

I've never actually "used" ASPCA Pet Health Insurance. However - when I asked them to discontinue service - they were genuinely compassionate to the death of my animal, they immediately canceled my automatic deduction and gave me a refund. Since that time - I have "re-enlisted" my two NEW cats, and ASPCA (more correctly "Farmers Ins") was extremely courteous and personable. In short - I like this company, and I recommend them. :-)
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4

out of 5

POSTED: | BY: Mick O

Strong offering but needs a little more attention to detail

Great insurance that you can configure to your pocket and risk. For the most part the claims side of things is quick and painless. Our vet emails us an invoice, this is uploaded and a few details filled in via the app. The claim is usually paid within 3-weeks. The one area that could be handled better is when things go off piste. Delays in processing aren’t advertised so you end up wasting time following up with the company to be told there is an additional three week processing time!
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5

out of 5

POSTED: | BY: Cheryl

Stress free

Having good insurance alleviates the stress in dealing with the illness of anyone even a pet, which is like family. I did my due diligence in order to get the most complete coverage within my budget, which was significant. Claims were easy to submit and they were processed quickly . Notification of claim approval is quick. ASPCA Insurance has proven to be an excellent choice.
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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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