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.
4

out of 5

POSTED: | BY: Heidi

Highly recommended

I got insurance for my lab, Precious, from the time she was still young just to have a peace of mind in case of accident. For the first few years price was very reasonable but as they reach senior year ( at about 10 years old ) the price double or triple depending on the plan. But I am thankful to maintain Precious's insurance with ASPCA and never had problem and got reimbursed for most of the expenses she recently had. Recently I even got a follow up call from ASPCA for Precious's last surgery to see how she is doing, a great surprise and pleasant conversation! I highly recommend considering insurance for your pet, definitely worth it.
5

out of 5

POSTED: | BY: Theresa

Filing a claim is easy and convenient.

I just purchased pet insurance due to rescuing a Border Collie/Lab as a puppy and not days later she fractured her back leg at 5 months old, due to her jumping for a toy. Took her to the local Animal Hospital whom took multiple sets of X-rays and required her to be in a hard cast and then a soft cast, which ASPCA covered all exams and tests within the standard amount allowed. Personally, I could not have asked for more from an insurance company. I truly feel that I was provided the coverage as stated in my policy. Too bad my own health insurance can't provide myself painless ways to file a claim.
5

out of 5

POSTED: | BY: Maureen

Other pet insurance companies can't compare!

I have two cocker spaniels, one of which is allergic to just about everything and has lupus to boot! The other has a thyroid issue which is controlled with medication. ASPCA has always been very cooperative and compassionate. I have tried other insurances but none have ever taken the time to call and see how our pets are doing! I won't even think about trying anyone else!
5

out of 5

POSTED: | BY: Angela

Easy claim process and great customer service

The online member center and the claim form process was very easy to understand and navigate. We filed an estimate first and then the claim once our puppy had the surgery to fix a broken bone. Throughout the process, ASPCA pet insurance was communicative, via email and with phone calls. I was very impressed by the phone calls, which were from courteous, caring, and professional individuals.
5

out of 5

POSTED: | BY: NVanKirk

Helpful when a crisis arrives

We have had ASPCA insurance on our Gordon Setter since she was a puppy. It is strictly for emergencies and major medical events Over the years we have had several events that generated claims. Service has always been prompt and helpful.
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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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