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: Tracee

ASPCA is Our Trusted Partner in Pup Parenting

We rescued our first pittie in 2011; our second came along a year later. With both, we immediately arranged insurance with ASPCA because the rates are reasonable and the reputation of the company is sterling. Those folks have stood with us in treating a broken paw and a soft tissue sarcoma diagnosed a week apart) and chronic allergies to grass and trees. They brought us peace of mind knowing we could give our babies the best care available and not have to worry about breaking the bank. We submit claims electronically (quick and easy) and always get an expeditious response from ASPCA. They follow up with us by phone to see how the furkids are doing. We're beyond thrilled by the compassionate professionalism of the ASPCA.
5

out of 5

POSTED: | BY: Stan

I have been a customer of ASPCA …

I have been a customer of ASPCA insurance for a while now & have found them to be adept, efficient & very helpful. My only negative is that they changed their policies so that when I added a new dog, I could not get the same policy I have had for yrs for the new one. I should have been grandfathered in I feel.
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5

out of 5

POSTED: | BY: Gail Thresher

Excellent coverage

Excellent coverage, fast claim processing
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5

out of 5

POSTED: | BY: Karen Becker-Marcelo

Professional and caring..

Professional and caring..
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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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