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: Meirav

Glad I have it

They were very helpful and covered 90% of the surgery I needed without the moaning and groaning that you would expect an insurance company to put you through. Although the claim submission and approval process took a bit of time, and I needed to pay upfront, once it was approved the check went out a week or so later. The app is nice and lets you know a claim’s status. Tech support responds by email. You can actually speak to a person if you call to follow up about a claim. And someone even called to ask how his surgery went. I wish human insurance was this good. Please let me know if you consider branching out.
5

out of 5

POSTED: | BY: Crystal Jasmine

Trustworthy coverage for my fur-kid

I appreciate the coverage options with ASPCA. It has been smooth when making coverage changes and processing claims. Having smooth transactions it extremely helpful when making sure my fur-baby gets what she needs.
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5

out of 5

POSTED: | BY: Susan

Good service

Good coverage and fast service
5

out of 5

POSTED: | BY: Marina

A life saver!

Amazing customer service, they call after every claim to make sure my cat is alright and to make sure I understand my claim. My cat has turned out to be a frequent visitor to vets and ERs, and so while I was hesitant at first to invest in insurance, I am so glad I did!
5

out of 5

POSTED: | BY: Megan

Efficient and timely. No issues.

Nothing but smooth sailing for our first claim. Very satisfied.
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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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