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.
1

out of 5

POSTED: | BY: Jim

ASPCA

On October 28, 2017 my dog tore his ACL on his right knee and required surgery. After the sticker shock from that experience, I decide to sign up for pet insurance through ASPCA. When I signed up for pet insurance on November 17, 2017 with ASPCA, the grace period on the application for future claims was 24 hours. Unfortunately, my dog fell and dislocated his knee cap on November 20, 2017. After his surgery I submitted a claim to ASPCA thinking he was covered. ASPCA rejected the claim saying the grace period was 14 days. Do not trust ASPCA with your pets health.
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5

out of 5

POSTED: | BY: Carolyn

Love my ASPCA Pet Health Insurance

This is hands down the best decision I made outside of getting my dog. Great plans to choose from that fit your budget and easy to file a claim. Quick processing to boot!
5

out of 5

POSTED: | BY: David Hatcher III

Easy and Quick approving claims

Thank you so much for quick turnaround on approving my claims
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5

out of 5

POSTED: | BY: Tim

It's worth it

I have never had pet health insurance before, but I have a kid and two purebred kittens, so I thought it would be smart. Filing claims is easy online and the payments were quick.
5

out of 5

POSTED: | BY: Tracy

I love this insurance company!

They are quick and communicative. I highly recommend this agency
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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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