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: Mikela

Highly recommended!

I recently adopted a black lab/shepherd mix, Boomer, and decided to get ASPCA Pet Health Insurance. They were so helpful and genuinely nice people on the phone when I was deciding what plan to choose. About a month after adopting Boomer, he woke up with awful shaking and could not walk. Long story short, he spent a long and expensive day at the vet. I wasn't expecting much, but ASPCA covered a huge chunk of the expense, and Boomer is doing just fine! I highly recommend ASPCA to anyone looking for pet insurance - they have great plans for every budget and incredible customer service. They also have a user-friendly website and online portal to submit claims. Very straightforward and uncomplicated - the way insurance should be!
5

out of 5

POSTED: | BY: Mary Abell

Best Ever!!

Best Ever!! You care about me and my Dog!!
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5

out of 5

POSTED: | BY: Janett Maravi

Good service

The service always has been so good
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5

out of 5

POSTED: | BY: Wink's Mom

Appreciated the concern

After receiving the reimbursement for my cat's medical bills, I received a phone call inquiring how my cat's health was progressing. At the same time several questions that I had concerning my cat's policy were answered. I am very pleased with the service I have received so far.
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5

out of 5

POSTED: | BY: Sharon

ASPCA Pet Health Insurance

Claims are very easy to fill out and submit. The are processed quickly and the money is deposited directly into my account.
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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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