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.
3

out of 5

POSTED: | BY: Sharon Perry

Denied for a slip n fall due to age related issues

I've had insurance for 8 years and have only filed 2 claims. The one when my boy was 2 was paid promptly but we all know as we just like our pets get older we're more prone to accidents. My Griffin is now 81/2 and back in September he fell in the yard and was limping. They denied his claim as being " degenerative " I believe that's the word they used so basically this insurance is great up until they get a lil age, and arthritis that would make their bones weaker. I myself being in my 50's are more likely to slip and fall than back when I was 20..Insurance shows no mercy to our elderly loved ones...
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5

out of 5

POSTED: | BY: SUSAN

Good Job

I was very pleased with my refund from my pets claims.
5

out of 5

POSTED: | BY: David H

Great pet health insurance!

After researching health insurance for pets, I found ASPCA pet health insurance. It was a smooth transaction, and they are doing everything they said they would. Etc…reimburse 70% after my deductible was met.
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5

out of 5

POSTED: | BY: Rochelle Richard

Was easy to sign up and less expensive…

Was easy to sign up and less expensive than other pet insurers. Have not used it yet, so can't say how fast they reimburse.
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5

out of 5

POSTED: | BY: Sheila Bradford

My experience was amazing!!!

My experience was amazing!!!
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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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