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.
5

out of 5

POSTED: | BY: Beate Ackroyd

Loyal to ASPCA

I first insured a dog with ASPCA Pet Health Insurance 8 or 9 years ago. It was always easy to access a representative when I had questions or wanted to make a change to the policy. Every representative I talked to was knowledgeable and personable. Filing a claim was also easy to do, and I could count on the refund for the portion of the medical expenses covered arriving in a timely manner. When my dog passed away, and I canceled the policy, I was moved by the sincere sympathy expressed by the representatives I talked to. I decided to continue to cover my dogs with ASPCA. I cherish that the company is constantly improving and making filing claims even more streamlined. Recently, I was at a vet with a dog, who just became a part of our family. They presented me with discounts for other pet insurance policies. Curious, I called to see what they had to offer. After the two very confusing explanations of benefits and rather pushy sales reps, I realized that I have chosen correctly and have the best coverage available for my dogs. I only wish they insured horses!
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5

out of 5

POSTED: | BY: Carol

This insurance has allowed me to keep my cats in great health.

I have senior cats and this insurance has helped me pay for their medical exspensives to insure a long healthy life.
5

out of 5

POSTED: | BY: Nancy

Bopy's Knee Surgery

I am so glad that I had the third tier of your insurance for Bopy. His bills have amounted to approximately $3,000-$3,500, and I still have two outstanding bills to claim. Prior to my applying for pet insurance, I had heard horror stories of the unexpected expenses pet owners have been charged and in exorbitant amounts that they really could not afford. Your prompt replies to Bopy's claim relieved pressure on my outstanding credit card bills. Thank you very much!
5

out of 5

POSTED: | BY: Deana

Everything is going well

everything is going well keep up the good work
5

out of 5

POSTED: | BY: Kathy Price

Easy & Fast Claim Processing / Great Site Interface

I've never had another pet insurance carrier to compare against but I can say that filing & processing of claims is very easy and I have never run into any problems. The claims I've filed have all been processed very speadily and the explanation of coverage is very clear. Have recommended ASPCA Pet Health Insurance to many friends.
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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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