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.
4

out of 5

POSTED: | BY: Andrew

First Time Crisis, First Time Pet Insurance User

I got pet insurance when my kid was just 2 months old and was thinking about stopping it honestly. He was 3 now and nothing had happened to him. Super healthy and everything in life was great. Then I moved to an area I had no idea about and a week later he couldn't pee. He had bladder stones and they had obstructed his urethra. He had to have emergency surgery and I went to one hospital and then was recommended to go to another hospital for overnight care. I was just running around crying and driving, then crying more. Then on top of it all, the bill came. Im not a manager, Im just a lowly worker bee and just don't have that kind of money. Submitting my claim I thought was going to be super hard and take forever to process. You hear insurance and you think think $$$ and taking forever to get help. The submission form online guides you and it took like a week and a half to get money back. AND they covered 2/3rds of the surgery. Like, WHAT?! I was surprised. They even called to check in to see how my pup was doing. Luckily my job let me pick up more hours to help me pay off the rest of my credit card in bigger chunks and my baby healed right up. This insurance has been a helping hand and I don't think I will be cancelling any time soon.
5

out of 5

POSTED: | BY: steven

Keep up the good work

Keep up the good work
5

out of 5

POSTED: | BY: Lily

Good selection of plans at a reasonable price.

I was able to select a plan that fit my needs and budget. Claims are processed in a fairly reasonable time with consistent updates as to progress. I very satisfied with the service and the program.
5

out of 5

POSTED: | BY: Harvey

Always very considerate and helpfull answering questions or helping with claims.

Always helpfull and polite. Claim response time has been very good. Attentive to my questions and inquiries
2

out of 5

POSTED: | BY: Kim

Great until I gave a good review

They were great and fast reimbursement until I gave them a great review. Then it took forever to get response . Disappointed.
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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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