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: K.

Fast and Easy!

Couldn't have been easier! My dog got incredibly sick all of the sudden and spent to days at the vet while they tried to figure out what was wrong and get her stabilized. ASPCA pet insurance was asap. I submitted the claim via their app and they processed the claim within 3 days, and had the check to me early the following week. Given the large price tag on this particular incident I was extra grateful to ASPCA pet insurance for making the process so fast and easy! I've had the insurance for 4 years no and have always found them to be fair in covering costs outlined in the policy, and responsive, Would definitely recommend to others!
5

out of 5

POSTED: | BY: Krista Millen

Extremely professional and helpful with…

Extremely professional and helpful with figuring out what plan would be best suited for my pet. I knew I was getting an accident prone breed, & can tell you that having such excellent coverage has been a relief. I've always received reimbursement in a timely manner, & being able to log in at any time to check the progress of a claim is incredibly convenient. Keep up the good work guys! Me & Goose appreciate it!
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4

out of 5

POSTED: | BY: Michele

Piece of Mind

Working out Kinks over years, we feel that animals deserve health insurance. With most animals living great life, there is those times when Disease, Accidents happen...with fixed income Insurance comes in to help give the best care to our pets. We recommend as it does help.
4

out of 5

POSTED: | BY: Terri

Claims done in a timely manner

Great insurance to have. In the first few months of the insurance, it paid for itself. There was a mix-up of the first two claims - the first one wasn't received when we thought it was. That caused some confusion to get things straightened out but once we did, everything was completed quickly. My only suggestion to future insurance holders is that don't be a go-between Have the vet work directly with the insurance company..
5

out of 5

POSTED: | BY: Cynthia

Speedy response

I appreciate how quickly the turnaround time is from one they receive my claim to pay out. I also appreciate there is contact with me as it’s being processed!
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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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