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.
4

out of 5

POSTED: | BY: Karen L

We had a rocky start, but I was so pleased with service for, bought coverage for my two new kittens,

We had a rocky start to our relationship as they did not want to cover certain expenses for one of my elderly cats, both of which gave subsequently passed. We were able to work through that issue and all other aspects of service gave been good. They have changed their coverage to cover a percentage of the invoice rather than covering "ordinary and reasonable" expenses. Much clearer and more comprehensive. Of course you pay for the additional coverage but their new coverages of wellness care, non traditional treatments, auto deposit, and very prompt service have made them competitive and a decent buy.
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5

out of 5

POSTED: | BY: Natasha

Excellent claim service

My dog Karma was adopted from the humane society about two years ago. At just 2 and a half we had a medical emergency that turned out to be pancreatitis. I already had pet health insurance and am so grateful for that. The claim process was easy and I love the fact that I got a call after about a month from ASPCA to see how she was doing. That is definitely high touch customer service with care. I have already recommended this insurance to my family members.
5

out of 5

POSTED: | BY: Fernanda

Great pet insurance

Pasoca is a 9 month old frenchie and full of energy. I decided to get him insurance because you never know. Best decision I've made. 2 weeks after I enrolled him with ASPCA, he hurt his eyes by scratching it some how. I've only notice 2 days later only because it was really swollen and puffy. Took him in and it had became an corneal ulcer from him robing his paw on it so much. After that we had 2 emergency visits, surgery and many fallow ups. I submitted all my claims and whiting a week or week and a half latter my money was deposit back in my account. Haven't encounter any problems yet and I hope it will stay that way.
4

out of 5

POSTED: | BY: Joe

Good Service

They are quick with claims and the customer support is excellent.
5

out of 5

POSTED: | BY: Allie Papada

Worth every penny

The pet insurance has been worth every penny for me. My dog got kennel cough and it was a Friday. The cough was so bad that I was afraid to go to work because I honestly thought he would choke to death. I did not even hesitate to take him to an emergency vet despite the high costs because I knew that insurance would cover most of the expense. It's given me peace of mind when having a sick pet.
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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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