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: Melissa

ASPCA really is worth it

I started getting pet insurance as soon as I got my first dog, a Chihuahua/King Charles/Pekinese mix. It was with another company (VPI) and we weren't happy. Thankfully my vet turned me on to ASPCA. I have never had an issue and not only have all of my claims been satisfactory, but I love that they call me to check up on my babies. I now have 2 dogs, #2 is a chihuahua/jack russell mix, that are insured with ASPCA. I recently went to the vet to get them flea & tick meds and a woman at the vet (another pet mom) told me I should switch to another company. She said no insurance pays for flea & tick meds. ASPCA does. Another moment that I realized I was with the right company.
5

out of 5

POSTED: | BY: Virgina Sigal

ASPCA Pet Health Insurance has been terrific!

ASPCA Pet Health Insurance has been a great partner in helping me manage the health of my dog. The claim submission process is easy and quick. I have been very pleased with their support and glad that I chose them to insure my dog.
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4

out of 5

POSTED: | BY: Josie Lomack

Paperwork is cumbersome

Paperwork is cumbersome. Need a way to electronically submit claims.
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5

out of 5

POSTED: | BY: Susie

I am very pleased with their service.

This is our first experience with pet insurance. My claim was processed and paid very quickly! Very happy.
5

out of 5

POSTED: | BY: Jessica

Glad I have APSCA Pet Insurance!

I have had a wonderful experience and recently saved over $500 when my dog swallowed a napkin and couldn't pass it on her own. Have recommended 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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