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.
5

out of 5

POSTED: | BY: Karen Lorenz

I have had pet insurance with ASPCA for …almost 7 years

I have had pet insurance with ASPCA for almost 7 years and I compare against other underwriters from time to time. This insurance works great for me as i am just trying to mitigate financial loss due to illness not looking for a maintenance plan. The deductible is low, the allowable amount is higher than other plans and i get to choose my Dr. I will continue to use them in the future and have just signed up my new dog. By having this insurance i am able to make low monthly payments and never have to question myself whether i can afford to provide life saving care.
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5

out of 5

POSTED: | BY: Carmen

Will always have it

Aspca insurance has never once let me down. I've spent well over $15,0000 in vet bills for my rottie and I would have more debt than my husband's student loans if it weren't for ASPCA pet health insurance. Recently we had to stop halfway from Virginia to Texas at an emergency vet where my dog had to be hospitalized for 8 hours. It was a relief to know that I wouldn't be 100% responsible for the full payment.
5

out of 5

POSTED: | BY: Julia

Very easy to work with

I've made 2 claims, and they have been very easy to do, and ASPCA Pet Health Insurance has been very efficient in paying me back.
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5

out of 5

POSTED: | BY: DT

Easy to use - worth a premium

Great customer service - good website - simple process and very straightforward.
5

out of 5

POSTED: | BY:

Easy claiming and very good coverage

It's so easy to place a claim through their online site; fill out a few lines, scan receipts and send. They always process my claim promptly. The payment is posted into my account in a few days. It only takes less than a week for the whole process. I'm very thankful I can get the peace of mind by such a small amount of monthly payment. My younger daughter first purchased this pet insurance for her two doggies which was recommended by her vet. She recommended it to me for my cat. Now my older daughter has this insurance for her dog. We are all very happy with this pet insurance.
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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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