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: Brenda

What a blessing!

We are first time dog owners, and had heard about how things happen to dogs that you just don't know about. We decided to get insurance and it was the best decision. When Spencer was about 10 months old he started limping. We found out his growth plates closed too early on both legs. He already has arthritis in the left leg, which is the worse one. He needs surgery on both legs, but the left one first. The insurance company covers this. What a blessing! We ended up adopting Spencer's brother and added him immediately to the insurance. ASPCA has been great to work with and it's easy to file the claims on-line with quick reimbursement. Highly recommend.
5

out of 5

POSTED: | BY: Steve

I can sleep at night knowing my boys are covered

I have had this coverage for my two shelties since they were pups. The are 8-9 years and I have maintained the coverage the entire time. I like knowing that if something happens to them it wouldn't be financially catastrophic to me. Filing a claim is easy with their online claim form and now that they have direct deposit the claim payment is quick. I highly recommend.
4

out of 5

POSTED: | BY: Traci Buehler

I have not had my insurance long

I have not had my insurance long. My experience so far has been very good. Claims process quickly and the staff is courteous and efficient.
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5

out of 5

POSTED: | BY: Christina

Much more than I could have expected

I am very pleased with my ASPCA plan thus far. They have been great to work with. I know since my pet is in their care, he is in great hands. They are quick and efficient with claims. They call to check in on my kitty after a claim has been sent. They genuinely care about my pet. The reimbursement plan we have has legitimately reimbursed 90% of all expenses relating to shots, medications, and even prescription food. The only thing they haven't covered, and expectedly so, was dr visit costs. I couldn't expect anything more from them. Very pleased. Its hard to find such coverage and more so someone who genuinely cares about your pets care.
5

out of 5

POSTED: | BY: Charlotte

Peace of mind, fast claim service -- they care

Stella Bella is about 13, devoted to me as I am to her. When she began some health issues and medical bills mounted up, I had the peace of mind in knowing the the ASPCA Pet Insurance I purchased many years ago would be there to help me financially. The ability to put a claim online, snap a photo of your paperwork is wonderful and my checks arrived promptly as promised. This coverage is worth every penny.
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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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