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: Alexander R

6 year old Doberman Pinscher

I have been with ASPCA for less than a year. I originally enrolled in case of any serious medical conditions my 6 year old Doberman would have, when he gets older. The accident protection seemed like an extra bonus. During a recent vet trip we were advised that out dobie has a heart condition. This was a devastating blow to our family. He is now on medication and has required several routine cardiac visits (Holter monitors, echocardiogram) to get his medication dosages correct. While these visits will trickle down to a couple of times a year, they are not cheap. So far we have been very happy with Aspca's coverage.
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5

out of 5

POSTED: | BY: Judy S. in Eureka, California

I can't recommend this insurance …

I can't recommend this insurance strongly enough. Online claims submission is wonderful, and the money is direct deposited to my bank account, typically within ten days. The company calls to let me know when a claim has been paid, and ask if there are any questions. I have just the accident, injury and illness policy, but preventive procedures can also be covered (dentals, shots, etc). I am extremely satisfied with this company.
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4

out of 5

POSTED: | BY: Maria Hoffmann

Have both dogs with them for the last …

Have both dogs with them for the last three years now. Very satisfied
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5

out of 5

POSTED: | BY: Deniz Macleod

I am very happy with the service

I am happy with the service. Plush is doing well.
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5

out of 5

POSTED: | BY: Sue

Wouldn't have a pet without it

My elderly poodle has needed only a few veterinary interventions, until he developed diabetes. ASPCA pays promptly, and I don't know how we could have afforded to keep our little family member without them!
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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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