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: Gloria

Thank god for ASPCA Insurance

My Snoopy was really sick and in a lot of pain after taking him to the best doctor and many tests they found what was wrong it was very costly going almost every day for a weeknow Snoopy if better and himself glad to have him back The best thing I ever did was get ASPCA Insurance. I had another insurance for a few years but they never paid anything I don't know what I would without the insurance and best of all they paid me in a week Thank You ASPCA
5

out of 5

POSTED: | BY: Rudoph Larson

So far we have not had any problems …Very satisfied with their service.

So far we have not had any problems with any of our claims. They are a very easy company to deal with and we are very satisfied with the service they provide.
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5

out of 5

POSTED: | BY: Maria

Right there when you need them!

After I adopted Charlotte at the ASPCA shelter in NYC, I followed the operators advice to make a pet insurance. In choosing it, the thing that assured me the most is that it covers all kind of accidents and illness, and they cover 90% of you costs. When I needed it, and I used it a lot especially in the last 2 months, I only had to fill in a really intuitive form for the claim, and wait for less than a week as the claim is processed.
5

out of 5

POSTED: | BY: Dena

Amazing service

We have had two cats with serious medical problems, and very high vet bills. This insurance has been amazing - it's easy to submit claims, easy to see what is and isn't covered, the money is deposited quickly, and the follow-up calls are personal and much-appreciated. One of our cats died last year from a brain tumor, and everyone I talked to was compassionate and caring and helped us through the time. This service is amazing.
5

out of 5

POSTED: | BY: AshleyO

Fantastic coverage and efficient services

ASPCA Pet Insurance was highly recommended to me by my vet after I got my French Bulldog puppy. The coverage and benefits have been great and were fairly priced. Claims are quickly assessed and compensated for. Most importantly, the individuals working for ASPCA Pet Insurance have been FANTASTIC! At one point my puppy became incredibly ill, which resulted in a flood of claims. The staff at ASPCA called on several occasions to ask how Scout was doing and also offer recommendations where they could. I recommend them to all who are looking to insure their pets.
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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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