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: Mike

There in good times and in BAD!!

We signed up three pets (2 cats and 1 dog) a few years ago.Thankfully the cats have enjoyed very good health. However, our cocker spaniel female, Lucy, has had a number of big claims. Each time we submitted online claim, attaching the vet's bill, the receipt of the claim was promptly acknowledge and processing begun. If anything out of the ordinary occurred, we were notified by email. Every one of Lucy's claims were concluded quickly and fairly. We received detailed EOBs every time, and they answered every question we could have asked. ASPCA Pet Insurance has paid thousands of dollars for Lucy' care without a hint of dropping coverage. We strongly recommend it.
5

out of 5

POSTED: | BY: Lynne Smith

…Very Happy with service

I have always gotten great customer service and timely payments for vet bills. I am happy with my insurance, I feel that it really helps me feel comfortable that I can afford to go to the vet and take better care of my dog.
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5

out of 5

POSTED: | BY: SUSAN

BEST PET INSURANCE WE EVER HAD

GREAT COVERAGE AT A GREAT PRICE.
5

out of 5

POSTED: | BY: Pojaman Zunggeemoge

Quick and easy process.

Quick and easy process.
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5

out of 5

POSTED: | BY: Ann Healy

Hey All-it's ASPCA-so,of course they're …

Hey All-it's ASPCA-so,of course they're going to take care of your animal.If I ever had a question,it is always answered in a timely fashion. After paying for 2 ACL operations for my dog,ASPCA health insurance came through -just be patient😀
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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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